Insurance required, unable to quote due modifications!
Discussion
Hi All
Just trying to be honest with insurance policies in regards to bike modifications but honesty is not the best policy obviously.
Ive been insured with Bennetts on and off for a few years now, switching between providers based on policy cover & price.
This year, they won’t quote for a bike with more than 3 modifications!!!!
I asked what they class as a modification and obviously puts my heavily modded bike (cosmetic not engine performance enhancing) uninsurable!
Anyone on here know of a company that offers a decent fully comp policy and accepts modifications.
In truth im not bothered about them replacing like for like incase the worse happens, i just want to be able to ride it.
Cheers
Just trying to be honest with insurance policies in regards to bike modifications but honesty is not the best policy obviously.
Ive been insured with Bennetts on and off for a few years now, switching between providers based on policy cover & price.
This year, they won’t quote for a bike with more than 3 modifications!!!!
I asked what they class as a modification and obviously puts my heavily modded bike (cosmetic not engine performance enhancing) uninsurable!
Anyone on here know of a company that offers a decent fully comp policy and accepts modifications.
In truth im not bothered about them replacing like for like incase the worse happens, i just want to be able to ride it.
Cheers
MCE are pretty decent with modifications apart from forced induction... although they do not cover the value of them in the event of an accident/loss
GoSkippy are my current insurers and they were ok with an end can/screen/tail tidy/bar ends etc..
although, from reviews of both companies, I'm not sure how 'decent' they are in the event of an issue/claim
GoSkippy are my current insurers and they were ok with an end can/screen/tail tidy/bar ends etc..
although, from reviews of both companies, I'm not sure how 'decent' they are in the event of an issue/claim
Thanks for the reply
I had a policy with MCE some 20 years ago and when i was hit by a TVR they were actually quite good on the claim but that was a while ago.
On comparison website MCE & Bikesure are the only ones quoting. I’m morre than happy to insure the bike under the understanding should an accident occur then the bike, should it be repairable will be repaired with OE kit.
The 3 items rule is crazy in my opinion, the screen is the first thing i change being 6’1, crash bobbins & a road legal end can would be more than 3 items if you have a full R&G kit fitted
I had a policy with MCE some 20 years ago and when i was hit by a TVR they were actually quite good on the claim but that was a while ago.
On comparison website MCE & Bikesure are the only ones quoting. I’m morre than happy to insure the bike under the understanding should an accident occur then the bike, should it be repairable will be repaired with OE kit.
The 3 items rule is crazy in my opinion, the screen is the first thing i change being 6’1, crash bobbins & a road legal end can would be more than 3 items if you have a full R&G kit fitted
2 of my bikes are heavily modified and I have a multi-bike policy covering all 3 with Carole Nash. IIRC when I first took it out due to the amount of modifications it was a 'custom bike' policy and I have agreed value for all bikes, for which I had to provide an extensive list of mods along with pictures.
They also include breakdown cover.
They also include breakdown cover.
3200gt said:
Give Peter James a call. 0121 506 6040. They'll sort you out with a suitable policy. I have 5 bikes insured with them, all FC, unlimited, agreed value, all the whistles and bells for about £150.00 combined.
Just called them, they are a ‘classic specialist’ and dont deal with modern bikes. My 2009 is a bit too new for them.Thanks anyway
cmaguire said:
I think you are over-declaring. Declaring crash protection ?
I would only consider two things.
Does the mod make it more nickable?
Does the mod make it faster?
Yes then declare it.
No then don't.
I'm with you on this one; all you are doing when you declare a taller screen for example is causing the call centre person to have a cow. I'm 100% certain that Gavia will agree with this, and if it's good enough for him etc...I would only consider two things.
Does the mod make it more nickable?
Does the mod make it faster?
Yes then declare it.
No then don't.
I've got paddock stand hooks. Am I declaring them? Am I hell, they are of no possible bearing in any way on the risk. I have a luggage rack, I don't declare that because I remove it and just put it on when I am going off somewhere; do you tell your car insurer you're using a roof rack?
And that poster a two up ^^ declaring fork springs and oil? You what? Why? Who on earth will ever know? Absolutely nobody. Ever. Why even put yourself through the hassle.
Non-standard exhaust, turbo, different wheels, paint job etc yes. Tail tidy, no.
I totally understand what you mean and appreciate your point of view.
In this day & age im trying to limit their ability to reguse a claim based on non disclosure of modifications.
Heres a non-exhaustive list of whats fitted as im sure i missed out some smaller details i havent disclosed the stuff you have actually mentioned, i.e screen, paintsheild, solo seat just the blantly evident changes. This is a 2009 ZX10R so the differences are night & day
Ohlins R&T Forks
Ohlins Rear Shock
Ohlins Damper upgrade
Galfer Discs F&R
BST Carbon Wheels
Brembo Brakes & M/Cyl
Akropovich Carbon road legal Can
Gilles Rearsets
Braided Lines F&R
Carbon Hugger F&R
R&G Parts
Solo Seat
Paintshield
Carbon side panels, Carbon Infils, Carbon Bellypan,
Screen
Baglux Tank Cover
R&G Tail Tidy
R&G Exhaust hanger
In this day & age im trying to limit their ability to reguse a claim based on non disclosure of modifications.
Heres a non-exhaustive list of whats fitted as im sure i missed out some smaller details i havent disclosed the stuff you have actually mentioned, i.e screen, paintsheild, solo seat just the blantly evident changes. This is a 2009 ZX10R so the differences are night & day
Ohlins R&T Forks
Ohlins Rear Shock
Ohlins Damper upgrade
Galfer Discs F&R
BST Carbon Wheels
Brembo Brakes & M/Cyl
Akropovich Carbon road legal Can
Gilles Rearsets
Braided Lines F&R
Carbon Hugger F&R
R&G Parts
Solo Seat
Paintshield
Carbon side panels, Carbon Infils, Carbon Bellypan,
Screen
Baglux Tank Cover
R&G Tail Tidy
R&G Exhaust hanger
Dog Star said:
Baglux tank cover?!
I must admit to having a single seat cowl (seventeen quid from China) and no pillion footrests. I'd like to see their take on that one since I'm not insured to carry a pillion.
Ha ha, i know, ive had one on every bike ive owned as used to commute & tour a lot, fetish maybe, but i like them. Also use the baglux map attachment to put my phone in or map I must admit to having a single seat cowl (seventeen quid from China) and no pillion footrests. I'd like to see their take on that one since I'm not insured to carry a pillion.
Incidentally- my renewal is up soon and due to a bike theft less than five years ago and a car crash in 2016 I do have to put some effort in insuring a new shape R1.
Many’s the time I’ve tried putting Mrs DS onto my bike Insurance and it’s been of no benefit, but not today. I’ve gone from around 850 with just me to 500 just by adding Mrs DS (who also has a bike theft declared). Still bloody expensive, but that will teach me to not crash cars, and it’s still an awful lot better than being in London.
Many’s the time I’ve tried putting Mrs DS onto my bike Insurance and it’s been of no benefit, but not today. I’ve gone from around 850 with just me to 500 just by adding Mrs DS (who also has a bike theft declared). Still bloody expensive, but that will teach me to not crash cars, and it’s still an awful lot better than being in London.
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