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Declaring Restriction Kit

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The Original Muzza
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PostPosted: 17:19 - 16 Jan 2009    Post subject: Declaring Restriction Kit Reply with quote

I am picking up my Triumph TT600 tomorrow and need to know if I should phone up insurance people to declare the restriction as a mod. It is not an aftermarket restriction kit, so was supplied to dealers direct from Triumph. Insurance companies t's & c's on their websites usually say some malarky about not being modified from manufacturers specifications. Any advice?

EDIT: Worth noting I got my A2 license after my 21st birthday, so are they even likely to check into that in the event of a crash? I know insurance companies will find any excuse, but they may be naive enough to assume I have an Unrestricted license since I got it after turning 21?
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Current Bikes: Husqvarna Svartpilen 401 (2020)
Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
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Last edited by The Original Muzza on 17:39 - 16 Jan 2009; edited 1 time in total
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frez
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PostPosted: 17:22 - 16 Jan 2009    Post subject: Reply with quote

I think you should declare it. I dont think it will make any difference to your premium, although they may make an admin charge.
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The Original Muzza
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PostPosted: 17:35 - 16 Jan 2009    Post subject: Reply with quote

I'm not really concerned regarding premium price, as I doubt also it would bring up the price. This is going to sound stupid but I just plain ass hate using the phone, I have always signed up for things by internet. I even changed my last policy on my 125 by mail after I got the policy so I wouldn't need to use the phone!
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Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
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Wafer_Thin_Ham
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PostPosted: 21:17 - 16 Jan 2009    Post subject: Reply with quote

Muzza wrote:
I'm not really concerned regarding premium price, as I doubt also it would bring up the price.


Has for me before.

Don't say anything unless they ask. You are legally required to have the bike restricted. The insurance company's that want proof will always ask you for it. If they don't ask don't tell. Thumbs Up
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iooi
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PostPosted: 22:26 - 16 Jan 2009    Post subject: Reply with quote

Seeing as they should know from your age and length of licence held that a restriction will be needed to be legal.
It should not be classed as a mod.
Mods are usually things that will increase the value/power of the bike.
Thus make their payout risk higher.
Now you could argue that as a newer rider you do fall into a higher risk band, but they should have already worked all that in by your age/ licence held details anyway.
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ms51ves3
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PostPosted: 23:03 - 16 Jan 2009    Post subject: Re: Declaring Restriction Kit Reply with quote

iooi wrote:
Seeing as they should know from your age and length of licence held that a restriction will be needed to be legal.


Muzza wrote:
Worth noting I got my A2 license after my 21st birthday
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The Original Muzza
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PostPosted: 04:30 - 17 Jan 2009    Post subject: Reply with quote

Thanks for posts. Brokers website stated performance ENHANCING mods Thumbs Up sounds good to me. if not, i'll change it by post again.
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Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
From then on, I and the bicycle feelings deeper.
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chris-red
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PostPosted: 06:00 - 17 Jan 2009    Post subject: Re: Declaring Restriction Kit Reply with quote

ms51ves3 wrote:
iooi wrote:
Seeing as they should know from your age and length of licence held that a restriction will be needed to be legal.


Muzza wrote:
Worth noting I got my A2 license after my 21st birthday


When I got pulled and they checked me out the cop radioed in my details the the person on the other end told him it was an A2 licence and to check for restriction.

Don't declare it as a mod, if you are going tpft or FC it will raise your premium as it adds value to your bike.
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Graprilia
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PostPosted: 12:24 - 17 Jan 2009    Post subject: Reply with quote

i did declare mine
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tommybhoy
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PostPosted: 18:27 - 17 Jan 2009    Post subject: Reply with quote

they will ask for a copy of your licence (front and back) and they will see your info,
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Wafer_Thin_Ham
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PostPosted: 20:07 - 17 Jan 2009    Post subject: Reply with quote

tommybhoy wrote:
they will ask for a copy of your licence (front and back) and they will see your info,


Not all companies do. Devitts and Benetts both didn't with me.
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Noxious89123
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PostPosted: 20:13 - 17 Jan 2009    Post subject: Reply with quote

Didn't declare mine. Although if you do an online quote and compar the difference between restricted and not, restricted omes out more expensive.

I don't think it's because they consider it a performance enhancing mod, more so that a restriction kit is somewhere between £150 and £250, so adds value to the bike, despite it being a horrible horrible mod Laughing
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The Original Muzza
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PostPosted: 21:00 - 17 Jan 2009    Post subject: Reply with quote

Noxious89123 wrote:
Didn't declare mine. Although if you do an online quote and compar the difference between restricted and not, restricted omes out more expensive.

I don't think it's because they consider it a performance enhancing mod, more so that a restriction kit is somewhere between £150 and £250, so adds value to the bike, despite it being a horrible horrible mod Laughing


Using GoCompare, not all companies gave a price for restricted mod without phoning! I have it sorted now though. Got Fully Comp for 730 incl. legal cover. TT600 restrictor only £30 though
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Current Bikes: Husqvarna Svartpilen 401 (2020)
Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
From then on, I and the bicycle feelings deeper.
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Noxious89123
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PostPosted: 00:20 - 18 Jan 2009    Post subject: Reply with quote

Another reason for not eclaring the mod, is that i removed them Thumbs Up Laughing
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'53 Ford Ka 1.3 ~ '03 Vauxhall Astra SRi 1.8 ~ '52 Vauxhall Astra SRi 2.2 ~ '53 Vauxhall Astra GSi
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The Original Muzza
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PostPosted: 01:11 - 18 Jan 2009    Post subject: Reply with quote

Noxious89123 wrote:
Another reason for not eclaring the mod, is that i removed them Thumbs Up Laughing


...but...but that's... ILLEGAL
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Current Bikes: Husqvarna Svartpilen 401 (2020)
Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
From then on, I and the bicycle feelings deeper.
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