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After market exhaust and insurance

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Swipe
Renault 5 Driver



Joined: 18 Mar 2007
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PostPosted: 19:28 - 18 Jun 2007    Post subject: After market exhaust and insurance Reply with quote
If you fit an after market exhaust do you have to inform your insurance?
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Davo
Davo To The Rescue!



Joined: 05 Apr 2004
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PostPosted: 20:24 - 18 Jun 2007    Post subject: Reply with quote
Technically yes as it's a modification to the bike.

When I went to insure my R6 I even had to declare that it was fitted with crash bungs*, aftermarket system, shock etc...

Added £6/year to the policy.

* Although for some reason Bennetts refused to quote due to crash bungs as they don't cover modifications. Laughing
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NSR Mick
World Chat Champion



Joined: 26 Jun 2005
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PostPosted: 20:27 - 18 Jun 2007    Post subject: Reply with quote
Davo wrote:
* Although for some reason Bennetts refused to quote due to crash bungs as they don't cover modifications. Laughing


That's because they can cause more damage than they prevent. Laughing
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Walloper
Super Spammer



Joined: 24 Feb 2005
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PostPosted: 20:44 - 18 Jun 2007    Post subject: Reply with quote
gsxrmick wrote:
Davo wrote:
* Although for some reason Bennetts refused to quote due to crash bungs as they don't cover modifications. Laughing


That's because they can cause more damage than they prevent. Laughing


Not troo... Laughing Razz
Fell off twice with cbs not a scratch Cool
Fell off once withou cbs Write Off. Crying or Very sad

Just the mods thing. You are dealing with idiots when you speak to insurers bots. They Quote Policy but do not thouroughly understand The Company's Policy Manual.
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Finglonga
World Chat Champion



Joined: 27 Jul 2004
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PostPosted: 22:19 - 18 Jun 2007    Post subject: Re: After market exhaust and insurance Reply with quote
Swipe wrote:
If you fit an after market exhaust do you have to inform your insurance?


Yes as if you come off or its nicked off the bike the can will not be replaced as it wasn't insured. Also if its increased the power by over 5% they need to be told as it will affect your premium. Thing is, an end can will struggle to increase power by 5% anyway.
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Kal
World Chat Champion



Joined: 02 Jan 2007
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PostPosted: 18:25 - 19 Jun 2007    Post subject: Reply with quote
I can't remember which insurer it was but they refused to touch my CB250n with an aftermarket Motad exhaust because it gave the bike 2 or maybe 3 extra bhp.

If I'd have crashed on it with the Motad undeclared my insurance would have been null and void.
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CortezTheKill...
Could Be A Chat Bot



Joined: 19 Sep 2006
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PostPosted: 19:05 - 19 Jun 2007    Post subject: Reply with quote
Wouldn't you be able to just get the bike delivered to your own house and put the original exhaust back on before the assessor comes round to have a look?
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Kal
World Chat Champion



Joined: 02 Jan 2007
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PostPosted: 10:49 - 20 Jun 2007    Post subject: Reply with quote
Not if it is recovered by a third party on behalf of the Police or something. Then you've got the whole issue of finding an OEM exhaust that hasn't rotted through.
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Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S
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MattEMulsion
World Chat Champion



Joined: 29 Aug 2004
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PostPosted: 15:59 - 20 Jun 2007    Post subject: Reply with quote
I've had my Akrapovic can on my bike for well over three years (it was fitted not that long after the bike was brand new) and I've never bothered declaring it to any insurers.
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The last post was made 19 years, 88 days ago. Instead of replying here, would creating a new thread be more useful?
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