Bennetts no longer insuring bikes with more than 3 mods.

[lllN30lll]

https://www.motorcyclenews.com/MCN/News/newsresults/General-news/2011/November/nov1711-top-bike-insurer-says-no-more-than-three-mods/

it look like bennetts have just hit the final nail in the coffin by refusing to insure any motorcycle with more than 3 modifications.

These include a sticker, tankpad or even a filter change.

I've just checked my bike and I'm ever so slightly over the limit

To me this looks like the very end for bennetts, they were never the cheapest anyway so it looks like they'll struggle to sign up any new customers or even gen renewals.

A list of some modifications is below.

Air filter changes
Bar ends
Badge changes
Belly pans
De restricted
Blueprint
Braided hoses
Brake system modified
Carbon fibre parts
Carb change
Different screen
Chrome accessory
Crash bars
Chromed engine
Crash bobbins
Decals or stickers
Dyno jet kit
End cans
Engine crash casings or engine casings
Engine tuning
Brake enhancement
Exhaust
Exhaust ( road legal upto £300)
4 into 1 exhausts
Fairing removal
Extended forks
Bags/ panniers/ luggage
Fairing removal
Fork braces
Fork springs
Filter changes
Specially built frame
Grips
Grippers
Heated grips
Handlebars
Headlights/bulbs
Indicators
Induction kit
Huggers
Mirrors
Special paintwork and murals
Nitrous
R&g protection
Non standard seat
Racing colours/ paintwork
Power commander
Radiator bars/ protection
Power commander
Sat Nav
Reborn
Scot oilers
Sat cowl
Seat replacement
Wheels
Single seat
Sissy bars
Steering changes e.g steering dampers
Street fighters
Tank pads
Suspension changes
Sissy bars
Shock absorbers
Tyres changed

[lllN30lll]

I was watching their facebook page https://www.facebook.com/bennettsbike and the moderators on there are having a hard job keeping up with removing the sheer amount of posts being made where people are telling them to go with Swinton bikes etc.

[Jim Mc]

They consider non-factory standard tyres to be modifications?
When you list filters, does this include non-oem oil filters?

That's ridiculous.

[lllN30lll]

[lllN30lll]

[Wafer_Thin_Ham]

So if you use non OEM brake pads, tyres and C&S that's your three mods.

I hope they go under.
____________________
My Flickr

[MinhDinh]

Do you guys inform them of mods at all?

I suppose it's a way to catch people out if they make a claim.
____________________
Hit the G spot.

[Wafer_Thin_Ham]

[Jim Mc]

Put it this way I have crash bungs and tyres which are non-standard since when is a tyre considered a modification? If anything it should reduce my chances of making a claim. Sounds like a weasel of a company to me and I thought they had a good reputation.

[lllN30lll]

[lllN30lll]

[Jim Mc]

Perhaps my T&Cs are different, I will check.

[lllN30lll]

[Wafer_Thin_Ham]

[lllN30lll]

[Blau Zedong]

[G]

[lllN30lll]

[blade023]

erm, is Barnets trying hard (and failing) to troll?? This seems like a joke to me, I've only been biking for just under 2 years and I've already racked up several of these 'mods'. I've put a screen on my bike (1), put some nice bar ends on (2), the bike had a random sticker on the tank when I got it (3), I'm planning on putting a braided hose on the front brake for firmer braking I hope (3.1), I've got a top box on there (4.1), some heated grips coming for Christmas (4.2), there's a tank protector thing on it (5.2), mobile phone holder which I use for my phone when it's sat-nav'ing for me (6.2), and I've had the rear tyre changed *(7.2)

All in all, that's 7 current 'mods' and 2 proposed 'mods'. Just.. wtf?? Tyres changed?? Do they mean if you're not running the origional stock tyres (now as bald as my brother) or not using oem? It may sound like a stupid question, but considering the blatant stupidity of their declaration it may be more valid.

Next time I'm looking around at quotes I won't consider Bennmuppets that's for sure.
____________________
Current: VFR800 2008 13.7k and rising rapidly!
Sorn: 2003 FZS1000 30k(ish) looking to sell.

[Villers]

For some reason I couldnt help but post on their facebook page. Fucking idiots. Stickers? Screens? Crash Bobbins?

From that reasoning you could fit an alarm but if you put the manufacturers alarm sticker on the bike you have made a modification to the bike.

I wonder what tyre manufacturers would think of this level of discrimination? What about fuel? Can a manufacturer specify you must use BP and if you are found by the insurance company with a tank full of tescos would you be in bother?

Douchebags
____________________
RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS

[lllN30lll]

[Villers]

Ha ha Im waiting for the simpson phot of the old guy with the beard and 'thats a paddlin' replaced by 'scottoiler, thats a mod'
____________________
RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS

[0l0dom0l0]

Do I need to ring them for permission every time I want to use my motorcycle?
____________________
CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

[blade023]

[N cee thirty]