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BrandsR6

Joined:

Oct 05

Posts: 323

BrandsR6 says:

Do you declare modifications to your insurer?

4 questions regarding modifications (ie. exhaust, braided hoses, screens, crash bungs etc).....


1. If you have mods, what are they?
2. Have you declared them?
3. If yes, how much difference did it make to your premium?
4. Who are you insured with?

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  • Posted 2 years ago (13 February 2013 07:08)

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preunit

Joined:

Dec 10

Posts: 11556

preunit says:

.

5. Name

6. Telephone #

7. Address

Too much information sir :blink:

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babyblade41

Joined:

Aug 05

Posts: 7483

babyblade41 says:

never used to

but nearly got caught with my car as I didn't tell them it had tinted windows, started getting a bit tetchy with a no fault claim.

My bike an F3 is bog standard at the minute and apart from fitting a tail tidy it will probably stay that way, well unless yoshi are going to make a set of pipes for her (they may have already, I'll have a look)

But when I renew I will inform them of everything, even taking the rear footpegs off.  I won't let them say I didn't tell them again

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smidget

Joined:

Nov 07

Posts: 2307

smidget says:

Always have

and always will.

They don't need any excuse to not pay up if and when the time comes so it is not worth the risk in the long run.

If you do not inform them and the worst does happen then they void your insurance you become liable for any costs and compensation and then you become uninsurable in the future so legal motoring of any sort becomes a very costly thing of not stating changes.

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BrandsR6

Joined:

Oct 05

Posts: 323

BrandsR6 says:

Too much information?

Feel free to answer as much or as little as you like.

Only curious to find out mow much difference modifications make to insurance and which insurers aren't too bothered and which ones massively hike your premium up.

[This Reply has been modified by the Author]

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babyblade41

Joined:

Aug 05

Posts: 7483

babyblade41 says:

my feelings

are that if you offer everything up straight away they are fairly reasonable and it does depend on what mods. Putting a number on could massively hike it up for obvious reasons, putting a tail tidy on wont.

 

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snev

Joined:

Jan 11

Posts: 7181

snev says:

Huh....

What's Insurance?

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ANichol

Joined:

Aug 02

Posts: 971

ANichol says:

Cancelled policy...

...only if they can prove the undeclared mod to be a causal factor in the accident - so tuning or race cans will cause you an issue; crash bungs or better breaks won't.

Can't have it both ways though....if your top box is wrecked, expect the answer "what top box?" if you never declared it.

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flydnb

Joined:

Oct 12

Posts: 129

flydnb says:

depends

it really depends on what you call a mod, if your buying a secondhand bike how do you know entirely, also is a patent part a mod as its not original, are heated grips a mod or a tank bag , i think most bikes over 5 years old have a mod or more, but i wonder who tells there insurance companies.

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Diablere

Joined:

Dec 12

Posts: 1423

Diablere says:

i didn't make the modifications

the dealer did, so i didn't declare them:ph43r:

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BrandsR6

Joined:

Oct 05

Posts: 323

BrandsR6 says:

Sounds like one big grey area to me

For example, if you replaced the brake hoses (as per the maintenance schedule) but with braided hoses, I guess these are a modification.  But what about if you fit rubber brake hoses which are not genuine OEM items? 

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