Declaring modifications to insurance

[grant965]

Hi all, as above what modifications would you declare. Looking at a tl1000 with a few mods, TRE, wiring mod for charging issue, end cans, screen, braided lines, tail tidy.
What would you declare? Always been taught to declare everything so they cant wriggle out but really how strict are they.
Thanks, Grant
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Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[c-m]

None of that. You bought it like that to the best of your knowledge it's standard.

[Boris the spider]

Never declared any mods.
Even had a claim for Akky can after bike got knocked over.
Assessor said it wasn't a problem as it was cheaper to replace than a Kawasaki can.
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Yes I'm a pig....And yes... The working public do pay my wages. Tho I contribute to your benefits you lazy c##t. You do not pay my wages. So go fcuk yourself.

[grant965]

So basically just quote it online and buy online? Does it actually work saying that I am not aware? I.e. play stupid?
Thanks, Grant
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Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[Pete.]

Yeah it works right up until you need to claim. If your bike gets stolen and trashed but then recovered by the cops they will inspect it and if the assessor reports something non-standard they have you by the nads for failing to declare.

I would check out the insurer's small print, some of them allow a certain number of mods. Some don't even put a premium on them.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Nobby the Bastard]

Basically, if it can be classed as a consumable it's not a mod.

Arguably, some parts that are tested in MOTs can be treated the same way. So, bearings, exhausts, brake pipes etc are not mods.

If they try to argue that they are, ask them if quickfit put on OE
exhausts onto cars and if that is classed as a MOD if they don't...
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[Pete.]

Since when are exhausts a consumable?
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[-Matt-]

I haven't previously, this year I did as its the first time i've gone fully comp and I wanted to reduce risk of them wriggling if I wanted a FC claim particularly.

With MCE I listed 5 [non performance] mods and the price wasn't altered at all. Sure that will vary greatly across companies though.

[c_dug]

Generally I tell them I'm considering fitting the parts and ask them the cost of adding them, rather than saying they are outright fitted. That way you can use your own judgement about declaring or not depending on the added cost.

For the record I am yet to be charged extra for adding an exhaust, I'm always careful to tell them it is non performance enhancing and purely aesthetic.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[Nobby the Bastard]

[CaNsA]

[Pete.]

Brake discs are indeed a consumable, being a wear part. Exhausts are not.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Nobby the Bastard]

Catalytic converters have a finite life and can be considered to be a comsumable. It's part of the exhaust.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[Nobby the Bastard]

An Exhaust is considered to be a consumable on a car, and is expected to have a life of no more than 5 years (unlesss it's stainless, in which case it's 10 years).

That's why the places that supply tyres also supply exhausts.

Why should bike be treated different? Most OE bikes have exhuasts that go rusty within a year of purchase.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[Bikeless]

I've never declared mods and claimed on 2 write offs with no problems,bikes had aftermarket exhausts,jet kits,filters,screens.

[0l0dom0l0]

Don't get to hung up with declaring modifications. They can't wiggle out of any 3rd party claims if you declare them or not.

All not declaring them means is that if you have an accident or your bike gets stolen they will only pay out the value of the bike, not the modifications on top.

I've never bothered and had a claim do through without any issues.
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CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

[Pete.]

[mentalboy]

Autumn last year whilst renewing the Zed's insurance I asked the broker what kind of extra monies I'd be looking at to put this on as a second bike....

https://i1174.photobucket.com/albums/r601/mentalboy1/PA030012_zps6c848e91.jpg

... as I made it clear to him that I wasn't adding it just yet but was thinking about it I thought I'd mention the fact that one or two alterations had been made

So one ZZR1100 and one CBR900RR fully comp...




... with all mods declared...


... price for Zed only...


...£133...



...both together...


...just a shade under £240...


... Didn't seem to make much difference, even with the subframe alterations. Result!!!
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Make mine a Corona.

[Rogerborg]

With eBike I listed the mods because I could do it myself, know it had been done, and could see that the price went up by pennies.

Like chuff am I going to call up a phone monkey after getting a comparison quote and have him fumble over "So, you are having a bop tox? And is you say a... toucan... terminator?"

Chances seem even that either the quote will go up by 3x because bop tox = nitrous, or it'll not get recorded because Nardo doesn't want to lose the commission on the sale.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[MarJay]

I declared my Arrow full system but I did not declare my crash bungs. Crash bungs do class as a mod, but as far as I'm concerned they mitigate against damage so should result in a discount. Apparently that is often not the case so I just stuck with the full system as a 'non performance enhancing' part. I think I have a maximum of two mods on my policy or something.
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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.

[G]

Crash mushrooms can also cause damage too, of course - ie R&G ones that knacker the engine mounts, which could be considerably more costly to insurance than replacing/toucing up some panels.

[Clutchy]

I just declared my exhaust, cost me an extra £20 however it was a full system.

See how much more it is to declare the proper mods? Not the charging bs
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Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[GhostRider]

[iooi]

[P.addy]

Never declared any mods, I'm not likely to claim on insurance though.