exhaust and insurance

[grandmasterbo...]

basically im just wondering iv just had to replace my exhaust as the old one was rusted to death honda wanted nearly £400 for a genuine honda one and then they found me one of these

https://www.motad.co.uk/vproduct.php?prod=CBR125R+Complete+System+with+a+Road+Legal+Can

if i have this on the bike will i have to tell insurance its on there?
also im quite aware that ill get no kind of power gain from this
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suzuki CS50 roadie (exploded) Gilerea Runner VX 125 (sold)
CBR125 rw6 (crapped itself and died) YBR 125 2004 (its okay)

[DaveB]

Yes you will have to tell them. Shouldn't affect your primium though (pending on ins co) mine didn't.
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Mod 2 passed 26/10/2011
Current ride: 2014 Triumph Street Triple R. Previous, 2007 Triumph Daytona 675, 2007 Triumph Street Triple, 2011 Derbi GPR125r.

[DrDonnyBrago]

[Im-a-Ridah]

Even if you don't declare it, it's very unlikely there would be any comeback from it in the event of an accident.

[Rogerborg]

I haven't declared my Motad for the following reasons:

It doesn't increase power i.e. risk.
It costs less to replace than an OEM one, so actually their risk is less than what they're covering.
What am I, a motor mechanic? How would I know that Motad wasn't fitted as stock?
CBA talking to insuramongs.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[olionel]

I declare everything but usually the mods are non performance enhancing so it doesn't affect the premium, also stops them using an exhaust or non original handlebars as an excuse (if they ever will) if I ever have to claim. But if you are adding bits on don't forget to add it to the total value of your bike when they ask how much its worth..

also for the Venom cans have a look on ebay sometimes they ebay them (Motad) so might be able to get a brand new system cheaper than their own website.
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1989 CG125 - Childhood Sweetheart (she got kidnapped by baddies)
1998 ZXR400 - Teenage Love (lasted three years, then she turned lesbian and left me)
2001 XRV750 - Wife Material (still getting to know her but head over heels in love)

[ms51ves3]

Depends what insurance you have. TPO? I definitely would not declare it. Too much hassle.

TPFT or FC, I'd consider it, but probably still wouldn't.

[Walloper]

I have asked Bennetts about exhausts before.
They would not load the policy but I think it is always better to ask if in doubt.
The call costs nowt but any comeback may be severe. Though unlikely.
And.... if some edjit you speak to says, 'your policy will be loaded.'
Do not accept that but call back and ask for a supervisor. (Be polite though.)
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[HD]

But don't say you have it when you phone initially. Say you are thinking about it.
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Rusty '02 Vito Camper + CBR600F3

[Walloper]

[goto10]

Never mess with insurance details - I declared mine with eBike and it was a no-cost change.
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'12 NC700S & '12 CB600F Hornet [Stolen by some dickless twat] Suzuki GT500 shed