"Hope you guys are insured...................."

[zoomer]

Address would help

www.pistonheads.com/gassing/topic.asp?h=0&f=74&t=33145

[zoomer]

Interesting thread from Biker Banter.

In the interests of profesional research, any Tivers or Rarri driver got any views on this?


Cheers
Z

[nubbin]

I entirely agree with you, zoomer - get a bigger bike/car, rather than de-cat. At least sports exhausts are o.k., although I wonder if they need to be declared as "modifications"?

[zoomer]

Nubbin

Definitely, you need to tell them if you deviate AT ALL from the standard spec.

Even changing the wing mirrors will invalidate your policy if they are deemed to make the car more attractive (knew a mate who hd a 318iS and put M3 mirrors on it. Was deemed to be an indeclared bodywork mod....)


At the end of the day, we can't afford to give the insurance companies any excuse to refuse a claim.

I am worried that a PH'er is going to end up getting shafted one day, and I don't want that.

Z

[swilly]

The modification has to affect the risk against which the insurance is measured.

For instance if your car is nicked, and it is revealed you have engine mods, as the mods are not visible and therefore do not increase the risk of theft it shouldn't have any effect on the insurance payout.

My first chim rolled down a hill after the h/brake failed. I had 17" wheels undeclared at the time. I told the insurance company and it wsan't an issue as the incident was a no-fault accident and the vehicle was in good order, having been serviced 3 days previously. Payed out within 6 weeks.

I really sh*t myself in the process though.