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Ask an Expert My Bike is modified ??????? Insurance

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ivanhoe

Joined:

Mar 04

Posts: 53

ivanhoe says:

My Bike is modified ???????

Browsing Bennets web site I discovered that IF I was insured with bennets then my bike would not be covered unless I informed them of my modifications.  My bike has been modified as follows.

1) Bar Ends ( seriously)
2) Top Box.
3)Braided Hoses
4) Crash Bungs

I should also tell them that I have .
a) Heated Grips.
b) Tank Pad
c) Scot Oiler

Boy oh boy am I a bad sort of guy.:lol:

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  • Posted 2 years ago (05 September 2012 20:23)

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jaffa90

Joined:

Mar 09

Posts: 8610

jaffa90 says:

modified

Yes all them mods enhance the performance and also create an accident waiting to happen.:shock:

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James600zx

Joined:

Sep 07

Posts: 2666

James600zx says:

Modifications.

It's a website and computers are stupid. All it knows is you've made "modifications". Phone insurers for a real quote.

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tim8061

Joined:

Apr 10

Posts: 111

tim8061 says:

Parasitesl

Insurance companies are just parasites - don't tell them about minor mods, insure it 3rd party and if you crash it, fix it yourself. If someone else claims off you then it's their problem. They've tried before to say insurance was invalid because non-standard tyres were fitted and the ombudsman told them bollocks, cough up. Sod them, get the certificate so you can tax it and legally you're sorted.

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AdieR

Joined:

Apr 08

Posts: 3071

AdieR says:

Maybe

but look at it from the insurers point too: you're expecting them to pay up if something goes wrong - therefore they need to know what they're supposed to pay out on.

If you've got a topbox (value say £200) which isn't a factory fitment, why would they pay out that money when you haven't told them you've had it installed (or indeed, only told them at claim time)?

Whilst there are insurers who will attempt out of paying due to different spark plugs or something equally stupid (which is bollocks), they do need to know about the valuable bits.

As James states - phone them instead.

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beaconsman

Joined:

Sep 09

Posts: 1780

beaconsman says:

bennets

really good quote for renewal £250 fully comp on bandit 600 with mods air filter, different can) and zzr1100.  Sticking with em as cba to faff about. 

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