Restriction Certificate shenanigans

deadwolf · Could Be A Chat Bot Joined: 24 Jan 2013 Karma :

Have bought a CB 500 (1998) and when attempting to insure it, was turned down due to needing a certificate of restriction. I'm currently on the 47bhp A2 license.

Now I'm really annoyed. I've been reading about how the 33bhp restriction stuff was mostly about ripping off bikers with expensive restricton kits and certificates that were not actually required by law.

Can someone please explain whether this is the same case with the A2's bhp limit?

The insurer I tried was H&R. Are there companies out there that don't require a certificate? I will also go and double check if the bike is restricted and if not, will likely end up blowing more bloody £££ on some washers and bits. Evil or Very Mad

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MarJay · But it's British! Joined: 15 Sep 2003 Karma :

The same is true. The difference is simply the limit.

Just make up an official looking certificate saying the bike is restricted to 47bhp. It's about as official as it can get anyway!
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iMark · World Chat Champion Joined: 13 Nov 2011 Karma :

I'm with H&R and they wanted either a Dyno print out or a signed letter head from a garage stating the restrictors have been installed and are working correctly....

I got the latter for £20, paid for them to put the restrictors in (£40 off ebay or there abouts), emailed H&R photocopies... job jobbed
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MattJ · World Chat Champion Joined: 12 Nov 2010 Karma :

There's a guy on ebay called kickstart_engineering who makes these washer and certificates for a lot less that the "official" ones. He helped me out when it came to restricting my bike.

https://www.ebay.co.uk/itm/Honda-CB-500-Restrictor-Kit-35kW-46-6-bhp-Certificate-/321176244586?pt=UK_Motorcycle_Parts_13&hash=item4ac798916a

P. · Red Rocket Joined: 14 Feb 2008 Karma :

H&R, my favourite people.

There is no legal requirement for a certificate. You can clearly just tell them "There is no law requiring one" I bet the underwriter is KGM.

Send em the attached.

With regards to insurers, Swinton, ebike and Wicked quotes are 3 that spring to mind.

J.M. · World Chat Champion Joined: 27 Mar 2011 Karma :

WickedQuotes have never asked me for a restriction certificate. They give the best quotes when you want to insure a commuter machine, so you should get a decent one.

Although their is nothing legally stating that you must have a restriction certificate, the insurance companies pretty much make up their own requirements. At the end of the day, if you don't agree with their requirements, they aren't legally obliged to provide you with insurance.
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iMark · World Chat Champion Joined: 13 Nov 2011 Karma :

deadwolf · Could Be A Chat Bot Joined: 24 Jan 2013 Karma :

Yep, 'tis KGM indeed.

They grilled me about lack of certification over the phone and I told them that I wasn't sure if it had restriction or not and that I would check. Dunno if the 'not required by law' angle will work now. I think I might just ask them to cancel the whole wazoo and go with WickedQuotes or another less frumpy company.
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CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Their terms and conditions are there to be bent, they bent for me, I'm not special. Just shout louder than them.

Matt94 · Trackday Trickster Joined: 21 Aug 2012 Karma :

Having insured two bikes under wicked quotes they never asked me for a certificate of restriction, the first time round I even rang them and was told personally that I don't need to provide any proof that my bike is restricted.
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Matt94 · Trackday Trickster Joined: 21 Aug 2012 Karma :

Having insured two bikes under wicked quotes they never asked me for a certificate of restriction, the first time round I even rang them and was told personally that I don't need to provide any proof that my bike is restricted.
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Doovy · World Chat Champion Joined: 21 Jul 2008 Karma :

Matt94 · Trackday Trickster Joined: 21 Aug 2012 Karma :

I literally have no idea why that happened Doh!

Can't even see where to delete it either lol
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Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Scootaloo · Could Be A Chat Bot Joined: 09 Dec 2011 Karma :

They probably are just waiting for you to crash so then you can get fu*ked.
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