Mod and insurance

[Flip]

Do you guys tell them about your after market bits 'n' bobs or not? How muh difference do things like cans etc make to your premiums?

[iooi]

Don't have any non std bits on mine, but if you want them to pay out for the expensive non std can you have fitted then declare it.

As to cost, the more expensive the mods the more they are likely to up the price would be a fair guess.
Just remember lieing about the price to save a few £ on premium could bite you on the bum, should you claim and they find out that it was a lot more than you said.
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Just because my bike was A DIVVY, does not mean i am......

[Wafer_Thin_Ham]

The can and double bubble on mine are not declared. On some policies it makes no difference. On other policies they won't insure you if it's modified. It's best you ask the "I was thinking of doing this to the bike, what would that do to my insurance" question.

I've never had the mods declared on my bike. In order from them to refuse to cover you they have to prove the modification contributed to the accident more than a standard part would of.
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[squishio]

i just renewed mine and thought i would check how much extra it would be with my mods.

i said i wanted to put a can on it and they said they needed a written statement from a mechanic that fitted it to check what power was produced by the new can.

I mentioned some other bits but they didn't seem interested.

I think my policy may be invalid as I havn't declared a single thing on it.

it has gone from this....

https://w3.bikepics.com/pics/2007%5C12%5C09%5Cbikepics-1110918-full.jpg

to this....

https://richphoto.focusvpn.com/hyosung/ally%20pally%20side.JPG
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Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[daemonoid]

squishio, You should've just bought a 250r in the first place
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current: ducati monster 750
past: hyosung gt250r, bajaj pulsar 180, hyosung gt 125 comet
@thomasgarrard | www.straitjkt.com | www.racingseven.com

[squishio]

yeah I know

but as it was my first big bike I knew (my dad knew) that I would drop it.

which I did in the first couple of months.

it would have been cheaper and easier to get a GTR but it wouldn't have been half as much fun getting down and dirty with my bike

Rich.
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Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[c-m]

for some things it just seems daft, they should be declared.

Daft things:
Tank pad, more comfortable seat, non-slip pillion seat, larger mirrors, rim-tape etc..

All of those are mods.
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Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/

[matt_uk]

Was looking on this for a car the other day, With exhaust and alloys some company wanted an extra £100 a month, they can fuck off.
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- - - BIKE - - - Passed CBT : 21/07/06 - - - Currently : Riding a 2001 Aprilia rs125 (SOLD)
- - - CAR - - - Passed Theory 20/07/06 - - - Lessons, Test on 15th Jan 08... Passed 2 minors

[Wafer_Thin_Ham]

[uniuk2000]

Hey squishio, fancy meeting you here. It's the first time I've seen the 'before & after' shots. You've done a nice job there..

[Wozza]

I would rather not claim than lose my NCB (when it can be helped), so having uninsured mods (that don't invalidate the whole policy) doesn't worry me too much - however, having said that I don't have any expensive mods on my bike!

[adamcpi50sx08]

[arry]

[Wafer_Thin_Ham]

Too big to quote really, but the insurer has to pay out for the third party if they choose to void your insurance, they can then pursue you for the amount. In all the time I've been here I've yet to here of someone having their insurance void due to mods such as a can, or braided lines.
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[arry]

[Wafer_Thin_Ham]

[arry]

[Wafer_Thin_Ham]

[N.C]

[salty21]

my money is on non disclosure of convictions, it's crossed my mind a few times anyway.
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04 NSR 125(sold) ---- 03 CBR 600rr(sold) ----90 pan euro ST1100 '' ----02 CG 125
94 CB400 Super Four ---- 2000 VTR SP1 (sold) ---- 08 ninja p8f(sold, meh) ----05 CBR600rr

[c-m]

[Hetzer]

I declared all mine. The bike was £9k and the bits put it up to £12k. I insured it at £9999, as any more than that would have affected the premium (which was otherwise unaffected) with Carol Nash.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[Flip]

Bike isn't heavily modded. Cans, engine bars, screen, oil cooler cover and LED rear light. Think that's everything. I'm also with C Nash so hopefully it won't cost extra.