Declaring Mods

[rac3r]

Do you declare your mods when taking out insurance?
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Ol]

No

but then i've only got an exhaust !
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Previous: Cub50, NRG50, TS50, YB100, CB125, NSR125, ZZR600, CBF1000, SV650s, ZX6R B1H, XT250, Mito Powered Crosser, WRF450, , FZ600, VN800, GSXR600 - Currently CB1000R

[D O G]

Nopes, I suppose I would if I had a crazy mod like a turbo, but nothing else.

[chris-red]

Yes, it doesn't really raise your premium.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[DrDonnyBrago]

There should be an option of 'I don't have any'.

As it happens I mention I have an aftermarket exhaust but say there is no power increase - generally goes down as a cosmetic mod then which my previous insurers haven't cared about.

I assumed that there was a negligible increase in power output from an end can alone.

[MonkeyKnuckle]

On my old bike I told them about the exhaust and they didn't change the premium at all. Just make sure you tell them it's road legal and doesn't affect the performance.

I'm not going to phone them up when I put new grips on or whatever they'd probably get annoyed if I started doing that.
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MKGaming.com
2000 Honda CBR600F - Sold! 2003 Honda CBR600RR - Current!

[The Shaggy D.A.]

I'd put a handlebar fairing on the cb500 which got damaged when a blind bitch reversed over it. The insurance company said it wasn't covered as I didn't declare it, but would honour it under the "up to £100 of accessories" clause.

I argued it shouldn't make a difference as I wasn't making a claim on my insurance, but on hers, and that what was damaged on my bike shouldn't make a difference as to what was or wasn't covered by my policy, I was only interested in the value of the damage. They agreed in the end, even though they then tried to ignore my no claims bonus and put my premium up the next year, which I also successfully argued against.

Bottom line, I'd declare mods and alterations, just to make handling the minimum wage fuckwits who man the phones easier.
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Chances are quite high you are not in my Monkeysphere, and I don't care about you. Don't take it personally.
Currently : Royal Enfield 350 Meteor
Previously : CB100N > CB250RS > XJ900F > GT550 > GPZ750R/1000RX > AJS M16 > R100RT > Bullet 500 > CB500 > LS650P > Bullet Electra X & YBR125 > Bullet 350 "Superstar" & YBR125 Custom > Royal Enfield Classic 500 Despatch Limited Edition (28 of 200) & CB Two-Fifty Nighthawk > ER5

[Mord]

I used to modify my cars and declare everything. Yes it cost more but better safe than sorry.

Recently I tend to have non-modified vehicles or with factory fitted goodies. I.e. if you get a brand new bike with Arrow exhaust fitted as optional extras you don't declare it as modification AFAIK. But if you fit it yourself then yes.

[0l0dom0l0]

[MonkeyKnuckle]

Just don't declare any then wait a few months then phone them up and add any mods you want to. You'll probably get some uninterested insurance guy who will just go, "Yeah mate, no problemo"


Especially if you do it on a Friday afternoon.
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MKGaming.com
2000 Honda CBR600F - Sold! 2003 Honda CBR600RR - Current!

[rac3r]

I didn't last year but I think this time I'll declare the cans even though I never actually bought them
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Misc]

Declared more or less everything, bars, exhaust, mirrors, lights etc as it didn't affect the premium.

The car on the other hand meant that one thing declared would either mean they wouldn't quote me or it would go up by several hundred.. Ridiculous.

[Dibble]

I've fitted SV650 calipers to my 30 year old Moto Guzzi making me less likely to crash, do you think they will reduce my premium

[Pete.]

I do declare mods. Not declaring them is like betting on a game of chance where the rules change per-game and you don't have even the slightest clue what any of the odds are.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Digitalize]

[radical]

Yes, I always declare any mods or extras but then a sidecar is hard to miss.

[Ingah]

[truslack]