Non fault accident, modified exhaust - insurance question

[MuFo]

Hi guys,
I was recently involved in an accident. Was hit by a car from behind when exiting roundabout, as the driver didn't see me. Me, my girlfriend and bike hit the traffic island.
I am waiting for my bike to be checked by insurer now and I just realized I didn't tell insurance company about akrapovic slip-on mounted by previous owner.
I am now worried my insurance will have problem with that, even if accident wasn't my fault and modified exhaust had nothing to do with it.
Do you think it may result in voiding my insurance? Is there anything I can do?

[Pete.]

It's non-fault so stop worrying. The insurance's engineer doing the inspection probably won't even mention it in his report since he'll be an independent under contract. If your insurer queries it act dumb and say you didn't know it wasn't original and that's how the bike was when you got it. Even if the accident was your fault the insurer would still be obliged to honour the claim. The very worst that can happen (though it's incredibly unlikely) is that your insurer will cancel your policy for an undeclared modification, but that still won't affect the claim you're making against the third party.

In short: don't mention it and don't worry about it.
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a.k.a 'Geri'

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

[Nobby the Bastard]

In addition, insurance companies can only refuse to pay out if the modification contributed to the accident fully comp and cannot refuse third party claims.

They can cancel your insurance from a current date.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[Ste]

You're claiming from the insurance of the car that hit you, that's got nothing to do with your insurance.

[stinkwheel]

It's nothing to do with YOUR insurance, your claim is against the other persons insurance. Customising work is irrelevant unless it contributed to the accident (so say you had an aftermarket brake light that did not conform to standards, that could be a problem.).

Wont stop them trying it on but it's not their business what type of vehicle their client crashed into so come down hard on them if they have a go "So how did that cause them to run into the back of me then?" type response". They tried it with a mate of mine, engineers insurance company tried to claim they shouldn't have to pay for his custom paint to be redone after he crashed into unmarked roadworks in the dark.

It MIGHT render your own insurance void if they get wind of it, they would be within their rights to cancel your policy with 7 days notice but it shouldn't affect your claim against the third party. In fact, if they damaged your aftermarket exhaust in the crash, they'd have to replace that too.

Chances are the assessor wont notice anyway. Last one I had contact with had no fucking idea what he was looking at. He tried to knock back part of my claim because apparently there was rust on my stainless exhaust system.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[MuFo]

Thanks a lot, It's the first time im in an accident and it's overwhelming. I see now how important it is to keep the insurer updated with modifications, will do that with my next bikes.
Big thanks!

[MCN]

[Freddyfruitba...]

[MCN]

Possibly only applies to 'significant' performance additions or poorly installed or high value additions.
It depends on how the insurer judges their risk.
Maybe a glittery bike attracts attention from the wrong sort of folks. So the risk of theft in increased.

They will never for betterment or they will negotiate on it.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.