Heated Grips

[Peanut_Butter]

So to cut a long story short.
Bought the bike with them already on - didn't realise they classed as a modification (I don't declare the heated seats in my car)..lesson learned.

Bored at work so checked my insurance documents as you do
They are classed as a modification and need to be declared. Luckily i only took my policy out on 1st March so thought i might escape the admin fee and just have to pay a nominal price for the addition.

An additional £196.26 they wanted!!!!!

Ended up cancelling my policy and getting a new policy (same company and underwriter) minus the price of the last 7 days cover, plus £42 extra for the modification.

I won't lie i feel as though i've been had over a barrel..it's a good job i like her

[NJD]

[Skudd]

Has the machine been modified ? Well I'm not a mechanic so I always answer, "Not that I know of, I just bought it how it is". I don't know what is factory fitted optional extras.
____________________
Famous last words of Humpty Dumpty. " Stop pushing me "
Petty Anarchists look at "1984".............. The Visionary looks at "Animal Farm".

[Polarbear]

Triumph fit heated grips. Therefore in my view heated grips are not a mod.

It's purely a money making scam. If you have a crash, no insurance examiner is going to fcuk you up for that.
____________________
Triumph Trophy Launch Edition

[Freddyfruitba...]

[Peanut_Butter]

I wouldn't have contacted them but it specifically said on my insurance document that heated grips were considered a modification and undeclared modifications would void my policy.

Seeing as it's my first year riding, my policy was less than a week old and statistics say I'm going to have an accident I didn't want the backlash.

I couldn't have pleaded ignorance to them being factory fitted as they say 'oxford' on them.

There's a difference between omitting the truth and bare face lying imo. Something black and white as that is difficult to argue and would be looked into if there was an accident. Which made me lol tbh because surely me being able to feel my hands whilst riding will reduce the risk of me losing control

[Peanut_Butter]

And before the "Don't be a vagina, buy proper gloves" posts start..
I have got decent gloves.
I am always cold
I am a vagina - no shame

[NJD]

[Riejufixing]

[Freddyfruitba...]

[Nobby the Bastard]

Replacing one pair of grips with another set of virtually identical grips isn't a modification.

You wouldn't except to have to declare a new exhaust from kwik fit on your car ffs.

It's not a performance mod, doesn't alter the value and wont affect the behaviour of the rider or bike.
____________________
trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[Peanut_Butter]

[stinkwheel]

I always answer the "is it modified" with "Not as far as I'm aware.". Even if they were modified and I did the modification.

With the exception of my one bike that is so outrageously modified, even I thought that would be taking the piss (over 200% of the original power output).
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Hawkeye1250FA]

[t121anf]

[Nobby the Bastard]

[Peanut_Butter]

Never thought about the ice thing..I can guarantee I will use them all year round though. My car seat is on max heat for 11 months of the year without fail I'm always cold

[Ste]

[TaffyTDM]

The only rationale i can think of is if your machine catches fire due to sub standard wiring, or gives them a window to allege loss of control because toasty grips. Bunch of twats regardless

[TaffyTDM]

The only rationale i can think of is if your machine catches fire due to sub standard wiring, or gives them a window to allege loss of control because toasty grips. Bunch of twats regardless

[Peanut_Butter]

[kramdra]

[MCN]

It's a simple Underwriting Policy Ruling.

Move to another broker that sources cover from other insurers who use different algorithms/policy manuals.

Not a biggie.

Also before you fork out 100s for an insurance policy read the Policy Documents.
That is the contract.
You will find all underwriting rules in there.
Don't assume cheapest is best.
Sometimes cheapest is restricted so many areas cannot be covered.

It not too difficult if you read before you pay.

Anything 'non-Standard' (sometimes even OEM)you put on anything that is insured may carry risk/fiscal liabilities to the insurer.
They are only covering their bases.
____________________
Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[PotatoHead202...]

Unfortunately it's not simple. It depends on the underwriters but now it's generally worded as "modified from the standard model" as in any FACTORY FITTED optional extras are classed as a modification.

My k1300gt for example has optional electronic suspension, traction control and heated grips/seats. All of this had to be declared to bikesure. Albeit it didn't make that much difference.
____________________
Honda VFR1200F, Honda CBF500 ABS, CZ125 now CZ175

[ThunderGuts]

If you're insured through a broker, the premium jump could also be because your existing actual insurer didn't want to know, so they've had to go to someone else. This happened when I wanted to add Class 1 business use to my bike insurance last year; it added some ridiculous 4 figure sum, but it transpired it was a different actual insurer. Needless to say I didn't insure through that broker . . .

Back to the original topic, they are a modification if they aren't standard fit to the bike. I declared the factory fitted ones on my Triumph (which were an extra, not standard trim). Made no difference to the premium though.
____________________
TG.