Another insurance company admin fee rant

[Khanivore]

Stupid insurance company told me that if I buy a 'slip on exhaust can' it won't increase my premium but they WILL charge me £42.50 admin fee anyway. WTF? Thieving bastards Not sure I can be bothered tbh.

Yes I'm sure it is all well covered in terms and yes I should have read them and thought about this before... Still pee's me off though.
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Monster 1200R

[P.addy]

Never quoted for an exhaust... never will. Whats the point

[Khanivore]

[tbourner]

Are you declaring it as a performance enhancement?

If it is, and you're not, then it's the same as not declaring it.

If it's not, and you don't declare they'll just replace it with a stock item, not like for like.
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Trev, now a biker?
Looking for first big bike.

[Khanivore]

[tbourner]

As far as I'm aware that's how it works. Unless I assume they try to claim that it DOES enhance performance, and is therefore a reason for the crash.
I know when I declared an exhaust on the Supra I said it was purely a stainless replacement for the steel original, and nothing happened after my accident, so they weren't bothered about it.
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Trev, now a biker?
Looking for first big bike.

[Chalky.]

Just make sure you crash properly and the can will be unrecognisable.

[P.addy]

They really will not give a shit. I've crashed on my GS without claiming for the exhaust and riding unrestricted.

Have aftermarket exhausts on all bikes and never declared... they'll send an assessor out who will more than likely look at the front as it will be caved in and say, yeah estimated damage exceeds market value, cat c.

[MarJay]

We told you to keep the standard exhaust!
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[Walloper]

Did they send a new document?

This is a mid term adjustment.
They are quite at liberty to bum this from their client.

Advice.
Insure elsewhere next renewal.

I have enquired about this from my brokers before but they never applied any terms or adjustments. Not considered performance adjustment by the insurers.

(I think it was Zurich)

When you ask a question you should ask, If I bla bla bla how much will it cost?
Then decide if you wish to modify.

It is fair to ask for £ if you add risk to the goods insured.

Add-ons can be as bait to scrotes.

But it should be reasonable. £40 is extortion. Tell them this and write to the FSO or whatever.
If you complain to us we will not do anything if you complain to the correct people things can and do change. Maybe you wont get your beer money back but it may help in the future.
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[-bandit]

I got bummed with a £50 admin fee for changing address, plus an extra £90 for living in a different area (which is actually safer)

[Tungtvann]

Fuck insurance companies and their 'admin' fees. My bike was up for renewal the other day, the renewal quote with the current insurer wasn't quite the cheapest, but I was happy so far with their service so was prepared to pay that little extra to stay with them. I'm on leave at the moment, but after new year I return to work (and where I keep the bike) but at a different address, I asked I'd I could get the address change with the renewal. Nope, that'd still cost £30 on top of the renewal, despite the fact that I could have cancelled the insurance and taken out a new policy with the same company without that admin fee.

As a result, I told them to go fuck themselves and that they'd lost my custom.

[Copycat73]

[Khanivore]

[P.addy]

Jesus, so many fannies Put whatever you want on your bike, if you smash it swap the can over to stock one or just let them assess it. Everyone I know has an aftermarket can/system...

[Copycat73]

[rhys1005]

[Copycat73]

[-Monty-]

I think there have been recent changes in the law regarding declaring modifications (read in an issue of "RIDE"). From what I gathered from the article, if you do not declare a modification and need to make a claim, your insurance cannot invalidate your insurance if they would have still given you a policy had you declared the modification.

Of course, if this were the case, I imagine the insurer would try to say that they would not have insured such a modification. Perhaps you should enquire about the modification over the phone/online quote and keep a reference of it to prove they would have insured you.

As I said though, it's just something I read in a magazine article so I don't know how reliable that information is. I'm sure you could find more information about this online.
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Present: [Kawasaki ZX7r][Suzuki DRZ 400s]
Past: [Honda PCX 125] [Yamaha RXS 100] [Honda CB 500] [Triumph Speed Four] [Honda ST1100 Pan European - Po-Po Edition]

[P.addy]

[Copycat73]

[P.addy]

About 3... Injury to me, probably 11.

[Copycat73]

[P.addy]

To me, yes.
To them, Woman apparently broke her hip. Her husband pulled out, enter the Supra to the passenger door of their tin box.

[angryjonny]

When I moved house the insurers "admin fee" turned out to be exactly the same, to the penny, as the amount my policy went down due to my bike now being garaged. What are the chances of that?