Insurance and mods...

[carlosthejack...]

If I go into a comparison site like moneysupermarket and put my details in for next months renewal, I get, as you'd expect, a load of quotes, starting with quite a few for less than a ton. When I change the bike details to say I've added a new end can, I've added an aftermarket can, like I plan to next month, there's only a single insurer that will quote me, and it's for £9199.08

Now correct me if I'm wrong, but surely a couple of bhp and dB difference that a £200 end can will make can't justify a ten grand increase in premium? Maybe I'll just not bother telling anyone about it, put the can on anyway, pay £90 tpft and hang the consequences.

Advice please chaps.
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[P.]

Nothing will happen... I never claimed for any mods on any bikes at all..

[GrantT]

its because you break the comparison site 'rules'

Most insurance company quoting engines specify 'no mods' as a rule for simple online quoting. I bet if you rang the companies you'll find that some if not most will actually cover you, they usually just have to refer it to the underwriter.

[Rogerborg]

The aren't really motorcycle insurance comparison sites, they're car insurance comparison sites that happen to have a list of motorcycles as well.

Insurers seem to be horrified by any modifications. We've even seen some of them moaning about non-OEM tyres (on cars), or winter tyres even when they're the ones specified by the manufacturer!

One of the reasons why I like using eBike is that they have a proper big list of modifications available, and only apply a small loading for them, so you can actually be honest.

I don't mind paying another £2 or thereabouts for listing "Aftermarket screen/fairing/panniers <£500" and "Aftermarket exhaust, no power increase" so that there's no chance of any "Yehbut, you never said..." comeback later.
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[Sako]