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Steve Farrell  says:

Top bike insurer says: ‘No more than three mods, whatever they are’

One of Britain’s biggest motorcycle insurers is refusing to cover machines with more than three modifications, irrespective of what they are. Bikes with four minor alterations such as a sticker are automatically rejected by Bennetts Insurance while those with three major modifications including nitrous oxide may not be. Potential customers are asked to identify modifications to their bike by choosing from...

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  • Posted 3 years ago (17 November 2011 12:02)

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Apr 06

Posts: 191

ERP30 says:


Is it that bad ... firstly i was going to comment and say why the hell would you call your insurance company and ask can i fit a k&n filter .. but im guessing you have to ... thats a load of crap.. i just pay my premium and thats that but i know if i claim then none of my extras would be covered but at least im still insured even with extras on..

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Feb 10

Posts: 199

wesley01 says:


Congrads Bennetts, looks like you are really striving to hold onto you current clients! While I full respect a heavily modified machine brings with it upgraded performance etc how can slight mods like stickers and a K & N filter have such a negative impact! Are they trying to kill the biking industry or just go on their systems data which sounds like its sucked out of thin air. I would rather pay triple than be with any company that nails bikers for dumb shit!

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bob the builder


Feb 03

Posts: 197

Bennetts are going to commit suicide with this type of pressure on their existing and would be customers.

I would urge bikers to shop elsewhere. Do they not want bike insurance policies?? maybe they want an easy option to make more cash from elsewhere.  GREED GREED GREED

What a load of bollocks. I have some of these items on my bike, Sat Nav, tank pad, knee pads, heated grips, top box, fenda extenda?????? the list goes on.

No wonder people use motor vehicles uninsured with all the prices going sky high.

Insurance companies are robbing us all with the price hikes, due to the above sentence, All us law abiding citizens are paying the price for law breakers.

I hope Bennetts reconsider this complete madness, or they will lose all their customers.

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bob the builder


Feb 03

Posts: 197

Oh! I forgot, my Marco Simoncelli and Guy Martin stickers, how dangerous are they on my bike, do they make it go faster???????????????????

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Apr 11

Posts: 17

snapple says:

No Mods Honest...

"historically the number of bikers, when quoting through one of our direct channels, who list more than one modification is very low" - I wonder why that is then!?

I wonder how much extra it will cost me per year to add a f*cking mr Happy sticker on my fairing?

Seriously  glad I went with MCE..  Bennetts sound terrible.. mud sticks so they're only shooting themselves in the foot.

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Jun 10

Posts: 10

koko46 says:


Oh no i have four modifications!!! Crash protectors, two stickers and a custom keychain?!! What now?!!? That is it i am going to jail!!!

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Mar 03

Posts: 58

Grimbeard says:

Pretty stupid decision Bennetts, and one I will bear in mind come renewal time.

Also, what about mod's which increase safety, or which reduce performance? I have braided brake lines (increased safety due to improved braking feel and power), heated grips (increased safety due to not losing feel for the controls in cold weather), panniers (reduced performance due to added weight), a chain carrier (reduced performance due to added weight - and increased security as I always have my chain with me) - will I get a discount for all of these? Assuming Bennetts would even continue to insure me with all those mod's!

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Feb 11

Posts: 87

draper12807 says:

Soon they will be sending independent surveyors around to check bikes

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Sep 09

Posts: 406


Most bikers make modifications that are not worth mentioning to the insurers because they do not change the bikes performance or power.  Modifications like: changing the screen, fitting a rear hugger, fitting rear sets, fitting a rack etc. I never use Bennets, but there are plenty of specialist firms out there for modified bikes who dont mess you around about what modifications you have done or want to do.

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Jan 05

Posts: 30

perfectweb says:

Beware not declaring the mods to your insurer (however "insignificant"), I am sure that I read in MCN about insurers not paying out because of undeclared mods, even if they were not the cause of the payout.

This is just stupidity, If I fit after market heated grips they are a mod, if I order my new bike (i wish!) with them fitted from the official accessory catalogue is that a mod? BMW's with their extensive extras will be having fun!

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