Insure a restricted bike as unrestricted?

[moppy]

Heyup everyone, been searching for insurance on a ZZR6 and I've found an amazing offer from Swinton which is about £100 atleast cheaper than anything else online. But if I include the restrictor in the quote, I can't get a quote online, I have to call them up at which point I assume whatever stroke of luck that allowed for this low quote online will be fixed...

So what could be the problems with insuring a bike as unmodified and secretly having a restrictor in it? I'm only going for TPFT cover, so surely if the bike is burnt down/stolen, they're not gonna be looking for restrictors...

[Quornholio]

If it is an error, they'll only chase you and correct it anyway.

[moppy]

[Reid]

Sometimes Swinton just come through cheap, they were around £80 cheaper than the next best option for me (until I added a race can but that's not exactly the same mod as restrictors) - if you ring them up they'll probably give you the exact same price. If an insurer does misquote you, however, they will chase it up and try to bill you the difference - it sounds pretty unlikely in this case though.

edit: On the riding with undeclared mods question - it'd be classed as riding without insurance and can come with fine upto £5000 and 6-8 points on your licence. Yes it makes the bike "safer" but it is still an undeclared modification and as such it can/will void your contract.

[pits]

[Im-a-Ridah]

I'd guess they want you to ring them so they can request a copy of the restriction certificate. The certificate is of course worthless legally!

[P.addy]

I just insured the bike as it is.

My flatmate has a GSXR750 and just insured it, after taking out the policy they said "we see you are limited to 25kw, please provide proof of restriction" sent a copy of certificate and that was it, no mention of adding it on as a "mod"

[Charlie]

I once got quoted more because the restriction was considered a modification

Also had one insurer tell me I didn't have to declare it because I couldn't ride the bike without it. Give them a ring and see what they say
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Past: Honda x8rs, Honda City fly, Honda Hornet 250, Honda VFR750, Yamaha xt600e.
Current: Honda CBR929RR & Yamaha XT660Z Tenere

[UnspeedySam]

I've never mentioned it. My insurer knows what licence I have and as they have no problem with me riding a 100bhp bike I took that as meaning they realised it is restricted.

I think a lot of it comes down to how clueless the guy at the end of the phone is when you call them up...
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Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

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[UnspeedySam]

[moppy]

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[MightyZoltar]

My insurance company only cared about performance/value enhancing mods on a bike. Mine is the same to insure with or without restrictors, as the power output is the same or less than the standard bike.

Give them a call, and they should be able to provide insurance for the online unmodded price.

My insurance company also didn't have any interest in seeing proof of restriction.

[Marmalade]

swinton are scum. Have you not googled or searched BCF for swinton?
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[Bezzer]

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[moppy]

[moppy]

[Rogerborg]

Well, moot now but I wouldn't have declared it.

Swinton only allow you to specify "Full UK motorbike - category A", they don't ask, and don't provide any way for you to say, that you're still within the 25kW restriction period.

In the event of a claim, your license is valid if the bike is generating no more than 25kW, and the onus is on the prosecution or insurer to prove or show that.

As to it being an undeclared modification, jog on. It won't make the bike more theftworthy ("Oi, Baz, nick that one instead, it's only 25kW innit") and it's simply not reasonable for them to argue that a reduction in performance could increase their risk. That'd be like arguing that a bike with a dirty air filter or badly gapped plugs is modified and higher risk.

Yes, insurers will take every opportunity to screw us, but we don't have to just lie there and bite the pillow.
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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

[moppy]

[james1988]

[Nexus Icon]

[Quornholio]

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