declaration of bike mods

[c_dug]

do you or dont you?

My bikes got non standard wheels and non standard back pipes would you declare them or not, considering with my age (18) and only one years no claims it will probably double the insurance

c_dug
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[tutton]

Nope,
just when i crash i repair it myself.
fuck going through insurance id get rite done over.
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Past: '05 Peugeot XPS '99 Aprillia RS125 '94 FZR600R
Current: '02 ZX636 A1P '51 CCM R30

[t121anf]

until you cause an accident and the bike is impounded, inspected without you getting chance to change it back to standard.

then the 3rd party puts a claim in your insurance is void due to mods not being declared.....

tricky territory

[tutton]

There is that issue,
if i have a crash that bad, that i cant carry on/move the bike away
then ill probably have more to worry about than just my bike being illegal lol.
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Past: '05 Peugeot XPS '99 Aprillia RS125 '94 FZR600R
Current: '02 ZX636 A1P '51 CCM R30

[c_dug]

The thing is my bikes not less than 33bhp either so the insurance is void anyway but im more worried because its easier to notice the bike mods.

c_dug
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[Zanith]

[Ravo]

It depends on the insurer, and it depends on the mods.

Say you're running a 1 liter bike with everything under the sun to make it go faster, and it'll amount to a 100% increase in your rates. Report it? No.

Now let's say you own a Harley Sportster 883. You've got better brakes, better suspension, handlebars that feel made for you, a torque curve tweaked to perfection, and crash guards. Report it? Hell yes. Some local insurers are known to lower rates for bikes that are custom suited to riders who can flick them around like mopeds.

[Rawker]

[B_A_B]

People who ride/drive on void insurance really piss me off.....that`s all i`m saying.
If you can`t afford to pay the piper for all the performance tweaks.......don`t do them.

and if you ride unrestricted bikes on restricted licences....you`re a twat!

[Finglonga]

I have always declared everything so that if the bike is ever nicked I get everything back or if there is an accident I am covered.

Non standard wheels may be considered a contributing factor of any accident so would be in your best interests telling the insurers. End pipes won't make any difference unless they make a 5bhp power difference so its always worth telling them about them as there isn't any end cans on their own that do.

Better than not being covered for damage to your own bike.
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Andy Sez....
F.Y.Y.F.F.

[Zanith]

[B_A_B]

[ms51ves3]

[.Chris.]

Where do people keep getting this crap that riding a >33bhp bike when on a restricted licence is equivalent to riding without insurance?

The insurer cannot legally squirm their way out of cover for third parties (which is all that is required by law). However they could then sue you to recover their costs, and refuse to pay for any damage to your bike if the policy is fully comp. T.C. on this forum confirmed this IIRC.

If you think about it, if every time you weren't absolutely legal meant that your insurance was invalid then surely it would be invalidated by speeding, for example?
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Chris
1985 Kawasaki Z550F

[c_dug]

[B_A_B]

[.Chris.]

Is the rest of my post somehow invisible?
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Chris
1985 Kawasaki Z550F

[B_A_B]

meaning??
what point have i missed mate?

[.Chris.]

[B_A_B]

[ms51ves3]

[dodger]

[B_A_B]

Well far be it from me to challenge the forum expert.....but what he,and you,are saying is that insurance companies will still pay out to the 3rd party in the event of an accident even if the person at fault (on their policy) has the wrong licence and has voided their insurance by adding unreported modifications..

I know you`re wrong already(unless within the 3rd partys policy there`s a clause for "uninsured motorists")...but i`ll call my insurers tomorrow and get it from the horses mouth ok.

"""""Hello carole nash.....will you cover the vehicle damage and injury compensation to a 3rd party if i crash into them on my bike with un-reported mods and with the wrong licence??"""""
I can hear them laughing already.....lol

insurers can refuse to pay out in an accident over something as trivial as having tyre tread depth under the legal limit.....so what you`re saying is ridiculous tbh.
watch this space eh

[Ste]

[The Tot]

Well i crashed my bike into a car, police came etc, technically my fault cos i crashed into the car - insurers dealt with it without any bother. I've never been bothered declaring my mods since i plead ignorance. Maybe it's me or my poor understanding of the english language, but i'm not able to read that my bike has an end can that is NOT LEGAL FOR ROAD USE - when i crashed. Police said nothing, insurers said nothing, case was dealt without any bother after I eventually and reluctantly admitted liability. I guess my insurers still paid out to the 3rd party there. What made it even more dodgier was the fact that it was my last day of my insurance policy! (I renewed the week before to roll over). Even still, the government take enough money from road users already that i honestly can't be bothered declaring my mods so that the relevant parties can take money out of my pockets. Like ms51ves3, I'm only insured so that i'm on the database! I went a whole 5 months without telling them i moved house, so technically my policy would have been void (but who cares, i wasn't in the country for 3 of those months). In my opinion insurance is gash and i feel that it's not there to protect YOU YOURSELF.
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The Tot 2019 Z1000SX - 2007 R1
Never argue with autism