Declare all mods?

[grant965]

hi, been ringing round to get a quote for my thundercat and some palces, such as aviva, won't insure it because it has more than 3 mods.
So this got me thinking, I could dynojet, full race exhaust and do something else (alright I don't know how to tune a bike XD)
And its the same cost as changing mirrors, indicators and a seat cowl.
How can this be right? Do you guys ignore smaller mods such as mirrors indicators? I thought you were suppose to tell of all mods to be safe you weren't going to get screwed if you crashed?

My t'cat has the following mods, which would you disclose?
Slip on exhaust
One piece fairings on the front
LED shotgun style tail light
Braided lines
Mirrors
Indicators
Screen
Custom paint
Restrictors
Brembo rear master cylinder
My mate thinks it has a quick throttle? (no there isn't a throttle restriction, its carbed)
Also got a seat cowl and custom undertray with tail tidy to go on

thanks, Grant
____________________
Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[arry]

Disclose all of it.

Unfortunately back in the days of good old underwriting it would be easy, because the UW would just discard half of that list no bother and the price would be the price. Nowadays, in the age of fecking price comparison websites and online quotes, COMPUTER SAYS NOOOOOOO

[deleted111]

Restrictors aren't classed as a modification, IIRC.

Cheers,
Steve.

[Walloper]

These are not Performance Enhancing mods so I would just declare the can.
(Though they do not load for cans.)

One concern for insurers is that you will expect to be paid out for all that tat. Where they cannot get reliable RPI they will default to FAIL.

Take all the shite off.

Re-quote.

Get cover.

Put all the shite on.

(I was only kidding about taking it all off of course. But they will not know)
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[Skudd]

My mods are

Screen
Hugger
Fog lights
Sat nav
Light protector
Crash bars
Bar risers
Luggage
Autocom
Heated grips
Tax disc holder
Tyres
Tank pad
Battery
Alarm system

I declare three and if it is stolen I wont claim for the rest
____________________
Famous last words of Humpty Dumpty. " Stop pushing me "
Petty Anarchists look at "1984".............. The Visionary looks at "Animal Farm".

[grant965]

[P.]

[Walloper]

[0l0dom0l0]

I've never declared any mods on my insurance.

Last time I tried to tell them I had crash bungs fitted I couldn't get a quote so haven't bothered since.

I won't claim for them anyway, and basically if your bike gets nicked they just don't cover them which is fair enough.
____________________
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.

[grant965]

If i didnt declare any modifications and I crashed, could they refuse to pay out whether or not one of the mods was related to causing the crash or not? I.e. say if the cable for the LED tail light worked itself loose and resulted in me getting shunted, would I be screwed?
____________________
Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[P.]

[Walloper]

[TheSmiler]

[P.]

[Pol Anorl]

[iMark]

[TheSmiler]

[Atomic Punk]

One piece fairings, what's that then.

A bike usually has one fairing, how many have you got?
____________________
I may have lost my way but I'm way ahead of schedule.

[grant965]

[mysterious_rider]

Modifications??? I don't know what you're talking about, you bought it like that.

[Atomic Punk]

[Atomic Punk]

[lllN30lll]

I've got over 50 mods on mine, It was absolute agony trying to get somebody to give me a quote yesterday, rather than delcare each piece of carbon I just said it had %100 carbon bodywork.

[Walloper]

[daemonoid]