Top boxes

[lifeisforlivi...]

Why do top boxes increase insurance so much? Is is because they attract thief's?

[SQL]

You declared it? Sucker

[CaNsA]

Me, discussing every insurance policy I have ever taken out.

https://i.imgur.com/e69wDWw.jpg

[lifeisforlivi...]

[Copycat73]

[phatstorage]

It invariably hikes the insurance, it's unlikely they will ever know unless you're involved in a bike ending accident whereby the bike may end up in the hands of the insurer. At that point, it's probably the least of your worries.

[SQL]

When the bike was stolen they clearly took the time to put a topbox on for stolen goods init bruv

[CaNsA]

The top box and it's contents will not be covered by the policy, but the bike will.

The underwriter has to prove you intentionally set out to deceive them by not telling them.

[lifeisforlivi...]

[CaNsA]

The simple thing to do is not be at fault.

If a 3rd party hits you , you're claiming on their insurance.

[weasley]

I declared mine. No apparent increase to premium. But then again I also declared my age and no claims too.
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Yamaha XJ600 | Yamaha YZF600R Thundercat | KTM 990 SMT | BMW F900XR TE

[mentalboy]

[Mudshark]

er. naw, it's a tourer it's supposed to have luggage
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R1250RS
XT660X

[MCN]

I have never told 'them' I have a top box.
It's a factory fit so not an accessory. Is it?

Still not tellin' them though.

Money grabbing cnuts.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[kramdra]

Would you also declare that you ride with a rucsack? which could be said far higher risk due to injury. Does the lower risk without a topbox imply they think rucsacks are less risk, or they just dont pay out?

Perhaps better if they ask do you carry any luggage? stuff your sandwiches inside your jacket, counts as added protection? You should not need to disclose every little thing and have a risk associated against it, like pillion cover.

Anything you tell them is a price increase. Consider if the thing is reasonably expected, for example a two seater bike carrying two people vs bolting on a +200hp turbo.

[NJD]

My experience with mods:

(1) Phoned up, declared mod, payed monies, paperwork sorted.

and then

(2) Phoned up, change a couple of details, payed monies, paperwork did not include mods.

So erm, what's the point again?

[MCN]

[ninjabob]

Obviously this is an insurer of taste.

Top Boxes are the work of Satan.

[Val]

[zico]

I need my top box for the commute but I hate the bloody thing.

[NJD]

[zico]

[NJD]

[mentalboy]

[Amber Phoenix]