Insurance and restrictors

[Cyclingbiker]

Hi all,

I am abut to become the proud new owner of a '99 CB500s, courtesy of a member on here. My licence was attained under the old rules and as such I am restricted to 33bhp for two years (expires Nov 2014) and need the new bike to be restricted to that.

Now I am very aware of the Fi International scam whereby you are blagged to buy one of their kits because of the oh so important certificate, which is totally 100% legally correct of course Instead I followed up the advice from:

https://blackmotorcycle.webs.com/

and so I bought a pair of OEM restricted inlet manifolds direct from my local Honda dealer along with a pair of 125 jets. These set me back a total of £33, much less than the £200 or so a dealer would charge for restriction.

https://images.cmsnl.com/img/products/insulatorcarb-rh_big16211MY5710-01_8bdf.jpg

The problem is that the company offering the cheapest TPFT quotes (Hastings) will absolutely not insure me without a certificate of fitment from an official garage, whatever that means. Even a dyno printout won't suffice apparently. They have quotes £200 and the next one up (Bikesure) is £239 and after that they are all above £300

Will Bikesure also ask for a worthless certificate or will they just take my word for it. Or shall I not even mention it at all?

What is the best course of action here? I did this to save my self money that needn't be spent on little bits of paper that have no legal standing and prove nothing either way.
____________________
Honda CB500s (1999) - Honda CG 125 BR-J (1991)

Mod 1 - Passed - 12/11/12 --- Mod 2 - Passed - 26/11/12

[Pete.]

Just forge a Joe Bloggs garage certificate. So long as you are compliant with the licensing regs you've done no wrong. As a matter of fact you can be a sole trader with you as the sole customer and only ever do one job, call yourself any damn thing you like and make your own headed notepaper to present to the ins company. There you go you've fulfilled their criteria.
____________________
a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[MG]

Bikesure don't ask for a certificate. I did exactly what you've done with my CB500, and they didn't even mention the fact I had a restricted licence.
____________________
'03 Honda Cityfly 125 > '02 Honda CB500S > '98 Honda CBR600F

[SteveZZR]

Just don't mention the license.

I was told on a recorded call it doesn't come into insurance unless I'm involved in a crash, the bike can be unrestricted as long as i don't ride on the road but the onus is on me to be on terms of my.license when on the road and my insurance would be invalidated if i failed.to.do so.


But as suggested make a certificate up, put a letter head address etc, call it Bobs Motors or something daft, write.down your name as the mechanic, write the bikes plate on there and include "33bhp" somewhere and you're golden

[Wonko The Sane]

bikesure couldn't give a monkeys.

Tell hastings that there is no legal standard of certificate and that legally you can self fit them and ask if signed headed paper from a garage to confirm that they have been fitted is acceptable, take the bike for a service and ask them to just confirm the restrictors are there.

Then tell hastings to stop being mongs and selling people's bikes when they've had an accident and haven't even made a claim!
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[johnnyarctic]

i never declared mine, i'm riding within the confines of my license so where's the problem.

try wickedquotes they are good for 500 commuters

[DrSnoosnoo]

Just ignore.

providing you are riding within the confines of your licence and the insurers know you have your <=25kW licence (or whatever that number is) you're legal
____________________
I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Rogerborg]

Hasting apparently do spot-checks of licenses. I wasn't asked.

Right, here's what they have chosen to offer for the answer to their question "What type of license do you have"?

Full UK
UK Provisional
International
Full EU / EEA
Moped
Other

By their definition, you have "Full UK". What else could it be? Yes, I know eBike won a case at the FOS on this, but eBike recognise restricted license types, Hastings do not.

It's a contract of adhesion that they've drawn up, and ambiguity should be in your favour.

"Full UK", forget about mentioning restriction. If it comes up, you can tell them to test the bike at their cost and your convenience, or print up a PaddyCert^tm.

Aviva’s spokesman said: “The fact is you could get one of the certificates and then DIY the bike back to unrestricted anyway.”

Met traffic police officer Paul Mostyn also said a certificate would not be regarded as proof a bike was restricted. “If we believed it was not restricted we would still demand for it to be examined,” he said. “We wouldn’t take that certificate as gospel. The proof is to have a collision investigator examine the vehicle.”
____________________
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

[-Matt-]

[anthony_r6]

[Cyclingbiker]

Cheers guys

I called up Bikesure today and confirmed that they do not require a certificate so for minimal fuss I went with them. The base price was more expensive an I added cheap UK, home-start and Euro breakdown cover and helmet an leather cover for another £75 so I end up with TPFT policy for £311 with 1 years NCD
____________________
Honda CB500s (1999) - Honda CG 125 BR-J (1991)

Mod 1 - Passed - 12/11/12 --- Mod 2 - Passed - 26/11/12