Insuring a restricted bike.

Steven8294 · Borekit Bruiser Joined: 16 Jun 2012 Karma :

Evening All,

So it's that time of the year, insurance renewal... so here's my story;

Got 2009 ER6F in Nov. 2011 - had 1 years NCB at that point from my YBR, so got insurance, around £1000 I paid (18 year old at the time.)

This year, I am trying to get insured, same bike, 19 year old, garaged, META MT357 alarm, and my 33bhp restrictor Thumbs Down

....
For some reason, most companies won't even touch me, which I presume is down to the restrictor, so I do a quick test, take restrictor off, bang £550. That would be ideal...

Has anyone had a good experience insuring a restricted bike? If so, which company did you go with? All these compare websites are starting to niff me off a bit... Mr. Green

Thanks guys,

Steve Karma

SQL · World Chat Champion Joined: 09 Aug 2012 Karma :

don't declare the restrictor?

reed · Nearly there... Joined: 28 Oct 2012 Karma :

Don't declare the restriction, you will have no issue whatsoever with anyone. People worry way to much about it.

I went my restricted 2 years with no declaration of restriction, no proof of restriction, and no restriction.
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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.

bikertomm · World Chat Champion Joined: 03 Jul 2010 Karma :

Steve mate, just insure the bike.

It should obvious if your young / age limit as to what bike you can ride legally, it's what I did. Fuck listing the restriction as a modification, then by default your quotes will be higher if at all.

For what it's worth I'm with bikesure and the bloke on the phone twigged how old I was, when I passed and asked if it's restricted to which I replied 'yes'. They asked for no paperwork.

TL;DR Just insure it for the best price / deal Thumbs Up

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07' Honda Hornet now full powaah! My guide on performing an oil change!

-Matt- · World Chat Champion Joined: 28 Apr 2013 Karma :

Went two years restricted with bikesure, never asked, never told and never had a problem.

The main thing to cover yourself is to obviously leave the restrictors in, besides that i don't think you should have many problems in any situation unless you explicity lie about it when asked.

Steven8294 · Borekit Bruiser Joined: 16 Jun 2012 Karma :

Guys,

Thanks for the replies so far, I can see you are all agreeing on the same advice.

My question, 2 months down the line, someone somehow, gets through my Almax, takes the bike, insurance company do some digging, see I have restricted license, bang, no payout?
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| Passed; 14th November 2012 | 1st Bike: Yamaha YBR125 2009 Model |
| 2nd Bike: 09 Kawasaki ER-6F (Stolen) | Current Bike: 08 Kawasaki ER-6N

-Matt- · World Chat Champion Joined: 28 Apr 2013 Karma :

Id say itd be a hard case for them to win personally but maybe not. If youre specifically asked and lied or in the smallprint it mentioned declaring restrictions perhaps but doubtful. I think thatd be more applicable in situations like a crash where you havent declared them, then they dig and find you should have it restricted but have removed then. Keep them in and i wouldnt be too concerned personally, know plenty or people myself included that have done it.

reed · Nearly there... Joined: 28 Oct 2012 Karma :

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

reed · Nearly there... Joined: 28 Oct 2012 Karma :

TwoWheelsDail... · Scooby Slapper Joined: 23 Oct 2012 Karma :

Im with swinton, they didnt ask so i didnt tell them.
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Suzuki GSR 750 - 33BHP (Restriction Ends 17/12/2014)
KTM Duke 125 - SOLD
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Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Read your contract of insurance carefully, then ask arry for clarification on anything that you're unclear about?

Insurance has traditionally been a contract of "utmost good faith" in which you're supposed to disclose anything that may be material. But on the other hand, the way it's becoming now seems to me more like a contract of adhesion. They ask the questions to which they want answers, you either go ahead on that basis, or don't.

tl;dr version, I generally agree with the advice to not offer one jot more information than is being asked, because it's clear that something is badly broken in their risk calculations. They're doing neither you nor themselves any favours by risking a restrictor the same way as a nitrous booster.
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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