Cans+Insurance. Tell or Not?

[Ammoman]

Hi,

Thinking of changing the standard Cans on my 58reg Hayabusa.

Question is do I have to inform my Insurance company & if so will it cost me.. Thanks..
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2013 ZZR1400 & Honda CG125 1986..

[reed]

I don't bother declaring mods, but then I have no intention of claiming if my bike ever gets stolen etc. but that's just me
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Generic XOR 50, Gilera SMT 50, GSXR 400 GK73A, Ducati Monster 600, Honda Hornet 600.
Sold. Stolen. Written off. Sold. Current.

[Supermoto_Fan]

personal opinion, no.

If it means anything, didnt declare my Arrow system and when my bike was stolen and later returned fixed up, arrow system and Evotech tail tidy was back on/still on.

No questions asked.
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Yamaha MT-09 - Triple powerrrr

[moonman]

Choice is yours really, chances are they won't pick up on it but IF you have an accident resulting in a claim and it is investigated the insurance company would use it as a way to invalidate your insurance.

[c_dug]

Didnt cost me a penny extra on my cbr

Best thing to do is to call your insurance and ask them how much extra it will cost you.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[P.addy]

[Polarbear]

On my busa, when I put Scorpions on and stuck it through a comparison site it went from £390 to £4000

I didn't tell them.
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Victory Cross Country American tractor.

[Paulington]

Hey Ammoman.

When I had the SV650S, it cost me £400 to insure, TPFT. When I added an aftermarket Pipe Werx slip on it increased the insurance from £400 to £1800. !

Think that's bad? Adding braided brake lines would have put it up over two thousand pounds. .

In short, no, I don't declare it. When I was hit off the SV650S by some woman (it was her fault, so my insurance didn't pay out anything) my insurance company collected my bike with the non-declared aftermarket can on plus a few other subtle modifications (Carbon hugger, double-bubble screen, levers and a few others) and just got the bike valued and never said a word about it, likely because the accident was non-fault. !

On the GSX-R I have a full Akrapovic system, so it replaces the downpipes, gets rid of the catalytic converter and comes out single-sided (standard is double sided) with a titanium/carbon fibre end can, meaning it doesn't even look close to standard, let alone sound it. ! I have it on there at all times but I also have the full standard system in the garage which can be put on in half an hour or so, so if I did have an accident and the bike could be ridden home then it could be swapped over if required, but I doubt I'd do it.

In short, it's up to you, but chances are it will skyrocket your premium and to me it just wasn't worth it. My Father has declared the modifications on the GSX-R on his insurance for it and it barely changed his premium at all, the perks of being 48 with something like 28 years no-claims bonus I guess? !

Hope that helps. .
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[c_dug]

Really? Last year the can cost me nothing and im 22 with 6 points.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[Paulington]

[P.addy]

I declare fuck all. Only got queried once when it was a mod to my car... a few mods

[neeklondon]

Give em a call and ask how much it would cost if you had one fitted.

Mine (MCE) didn't charge anything extra, but they suggested it depends on whether the exhaust enhances performance or not (mine didn't meet the threshold so no extra £££).

[stuartt]

i put beowulf gp pipes on my busa & a power commander .

i never told the insurance as i'm sure it will put it up & at the end of the day if anything goes wrong i can't use it anyway as i've got 4 lots of insurance & the last thing i need is for everything to go up .

i wouldn't even claim for a non fault as there's no such thing as a non fault in the insurance company's eyes .

[Paulington]

[stonesie]

I rang mine and asked, they said that as long as it didn't add any power it wouldn't affect the premium, so it's declared... The re-map, not so much...

[stuartt]

i had 2 non fault accidents in 2 yrs in a car , both time's it was a car changing lane & going in to the side of me .

at the time i had 3 or 4 yrs no claims ( not affected )

i went to buy a 2nd car & thought i'll get multi car insurance , almost all the insurance company's wouldn't give me a quote due to me having 2 non faults in 2 yrs .

1 non fault is ok but any more & it will go against you .

[P.addy]

[YBR Ric]

Added another 16bhp at the rear wheel, declared all mods and paid an additional £6 for my troubles - your premiums may vary.

All mods, extras and upgrades shown very clearly on my replacement insurance certificate - no worries.

[Cheeseybeaner]

Why should it matter? It shouldn't be a requirement that a vehicle be fitted with the OEM exhaust system, its not possible in many cases let alone economically feasible when the originals rot away.
Its not as if you'd be scolded for fitting a replacement exhaust on your car, its to be expected...
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My bikes: 2003 KAWASAKI ZRX1200R, 1996 YAMAHA DIVERSION XJ900S

[arry]

[bognorgaz]

Told my insurers about the exhaust, custom painted wheels, braided lines, and lack of security. Total premium for the R1 came in at £168.00

[P.addy]

Never ever declared a single thing on my bikes. It is just stupid. Doubt 90% of those chavs claim for exhausts, radios, alloys...

I didnt quote for my spoiler, exhaust, engine mods, alloys and paint job.

Insurers pulled me up when they went to write off my car. £380 to cover it for the remainder of the policy Stealing my stuff

[j.silvs]

[pits]

If I were to modify my bike I would only use genuine parts to modify it with, like a set of Remus Titanium cans which are stamped as Ducati Performance cans.

Or a fork upgrade using Ducati 999 parts, because a 999 is closely related to a 749, and the only difference between a 749 and a 750 is 1, negligble really.

Generally though I don't turn my bikes or cars into tarts handbags with lots frilly expensive shit adding zero value to the bike and usually zero gain, OEM or nothing for me.
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Stinkwheel: You have no right to free speech
00:32:08 Blau Zedong: yes, i am a massive CB400 fan and collector
00:33:00 Blau Zedong: the CB400 is my favourite road bike

[Alpha-9]

Depends if you want to insure the 'mods' or not.

If it doesn't increase your premium you'd be stupid not to
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Fzr-600 1999