Bike insurance advice: Not declaring modifications

 20 August 2010 19:30

Scott was involved in an accident on his bike recently where a car turned right across his path. He was injured (though recovering well) and his motorcycle looks like it’s going to be written off.

He’s got fully comp insurance, but had aftermarket cans fitted to the bike and did not declare this to the insurer. He’s worried this will affect his insurance cover when their engineer checks out his bike.

From an insurance point of view, if the after-market exhaust is performance enhancing to a significant degree, this could in theory affect his insurance cover.

Non-disclosure could result in the policy being voided by his insurer, but this depends on his insurer, as some seem to have stricter rules than others.

Some insurers however will simply request the additional premium from you for any such enhancements and thereafter meet the other party’s claim as well as your own.

His best bet is to let the engineer assess the bike and then speak with his insurers if they raise the issue with him.

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