Proof for Insurance

[instigator]

"According to our records, we are awaiting the following items from yourself:

Copy of restrictors certificate
Copy of driving license
Copy of CBT certificate
Copy of security certificate
Terms of business
Proposal Form

Please ensure the above documentation is forwarded to this office within the next seven days, to maintain insurance cover"

Hmm, phoned them on wednesday to say that I just sent the license and pass certificate off to the DVLA, and now this arrives 3 days later.

Why would they want my cbt certificate when they are getting my license with FULL motorcycle on it?

What the heck do they mean, terms of business?

Proposal form?

Copy of restrictors certificate? *gulp* How do I get out of that one? What happens if I restricted it myself, which I haven't, but how would I get a certificate to show them?

Copy of security certificate? I guesss thats just to show the datatag on the bike is registered to me then?

Thanks in advance....

[Ste]

I would expect if it is a home made 33bhp kit they would want some form of bit of paper from a bike shop with a dyno print out to validate your claims. To get an offical FI International one you get given one when you have a 33bhp kit fitted.

Copy of driving license and CBT I would expect is just so they can tick those boxes on their list. Could just tell them "Erm, I no longer have my CBT certifacte as I have my full license and thus don't need a CBT. If you want to confirm the vehicle licensing laws then I suggest you speak with the DSA."

Security certificate is as you've said you've got some variety of insurance approved paperwork and they gave you a discount for it so they want to see the paperwork to see if it actually exists. For datatag I know there is the letter showing it registered in your name but there could well also be a bit of paper to confirm that the Datatag kit is fitted correctly. With alarms they want the bit of paper to show that it has been fitted by an insurance approved garage.

Terms of business and proposal forms I would expect is a fancy way of saying "sign the bit of paper we sent you" which will have all your details and the bikes details and will also detail the terms and conditions of the insurance policy i.e. the small print stuff.

[instigator]

Cool, cheers ste.

Fook, now this means it's going to HAVE to be restricted and purty soon. As if I can afford it as well....

Looks like the bike may have to go in the garage for 3 months until I can afford to run it AND buy the shopping.....*sigh*

[MattEMulsion]

Unfortunately it is up to you to provide them with the paperwork/evidence that they need to validate the insurance cover that they are giving you on your bike. They are not asking for anything out of the ordinary or unreasonable so sort it out and send them what they want. If you can't produce a copy of your driving licence/CBT certificate then I suggest that you write a short letter and include it in the envelope when you send the other paperwork in stating why you can't produce and that you will forward a copy as soon as your licence arrives back from the DVLA. The restrictors certificate - well you need one and should have one for the bike, that is assuming it is actually restricted. If it is then why do you not have the certificate, if it is not then you are breaking the law and this is one of the reasons the insurance people want to see the proof. Security certificate - same again, the datatag kit comes with all of the necessary paperwork so where is that? They must have sent you the proposal forms and terms of business forms so read them properly, check that everything is in order, sign them and send them back. Once you have done this, job sorted and keep everything safe until you need to renew next year. Easy really innit?
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Yamaha YZF-R6

[instigator]

Nope its not restricte, I was willing to do it just not for the rip off price they charge you.

Oh well, if restriction it is then say goodbye to PS2......

[Ste]

I've never been asked for much paperwork by my insurance company, all I've had is a bit of paper to sign to say that I agree to the small print, sign a bit of paper confirming that it is garaged in a brick garage and sent them a copy of the alarm paperwork to show that it was fitted by an approved garage.

Not been asked for anything to show I have a license, although when I renewed my insurance for ZX6R they asked me if my CBT was still valid.

They really don't care that much until you try to make a claim, as all that is happening until that day is you are giving them a lot of money in exchange for a couple of bits of paper, why should they care if your insurance is valid or not as it's your problem and not theirs.

[instigator]

I did phone them last week but they're obviously not listening closely. I'll phone them back again come monday and explain the bike IS restricte dbut I have no proof. Can I get away with it by just writing a note saying "I, the owner am responsible for the restriction of this motorcycle and it is restricted to 33bhp at the time of writing......thats what I'll ask and see what they say. ..try and get myself out of it, as I really can't afford it.

We'll see what they say tomorrow morning.

[Ste]

I'd have a good think about quite how your bike is restricted on the off chance they ask you. I'd expect if they're willing to accept it without a lot of argueing and hassle they'll ask you to take it to an approved garage and get them to sign a bit of paper confirming that it is restricted to 33bhp. If they're starting to kick up a fuss you could always say "well as this is going no where and you're being incredibly unreasonable I will be looking into getting a policy with a different company who are not making unreasonable expectations. I will be cancelling this policy as well." Or you could say "well for the sake of a simple life I will get one of those offical expensive FI International restrictor fitted and send you the paperwork shortly".

[kasandrich]

You could make a pair of restrictors, free of charge, pop them in and get it run on a dyno to prove it, that'll cost you about £30 & you'll get a printout you can send them a copy of.

Phone them up and tell them, you have it restricted but you do not have a certificate, and it is not a legal requirement to have a certificate, you could even try your luck and tell them that if they want proof, you will make the bike available locally if they would like to have a dyno run done at their expense.
____________________
Richard

CBR1000FM

[Ste]

If you can easily make free of charge 33bhp restrictors then you should set up a little business selling them as there would be a good market for them. However to get it actually below 33bhp would take lots of hassle and dyno time. How would you make them easily and free of charge?

[instigator]

Still got those pics of the restrictors on my HD rich, just finding somehwere that would make them up for me could prove a litte tricky, especially since I don't know what sort of company/shop would make them up.

P.S I doubt I'd want to cancel the policy Ste, they'd probabl;y keep my deposit of £100!!

[mchaggis]

[Ste]

Yes making the actual metal washer to put under the carbs with a small hole isn't that hard, making it the right size and the hold in the middle the right size is where it starts to get tricky.

The time, effort and cost involved in making your own 33bhp washer would be far more than it would cost to get an FI International kit fitted, and you then have the added hassle of when an insurance company ask for proof of 33bhp or police ask for proof "well I spent hours making my own kit and it is 33bhp" would be daft compared to "here's an FI Internation bit of paper" which will be accepted.

[instigator]

Kasarich did give me a scan of the er5 restrictor, and its exact dimensions. Which helps a lot. Just getting somewhere to do it will be tricky.

I'm sitting with £130 available in my account, and thats until I hit my maximum overdraft. So, I'll stall them as long as I can.

[MattEMulsion]

[Ste]

Someone on here was caught doing wheelies on a VTR1000 as he over took a unmarked cop car and they didn't bother to investiagte 33bhp at all, someone else was involved in an accident where they were partially to blame on a R6 and 33bhp was never mentioned. Plently of people have not had problems with police or insurance, but it could happen. Have never heard of it happening though, not to say it couldn't.

I was stopped by a bike cop when I was riding a ZX6R and he was under the impression it was the largest I could ride until I was 21, so I just agreed with him rather than correct him.

Police and insurance know fuck all about it.

[Kickstart]

[jonboy]

If it's just a case of getting a dyno run to prove it to keep the insurance quiet, I don't understand what's to stop you just doing a dyno run with the throttle only half open?

[mchaggis]

[jonboy]

But if you only don't open the throttle all the way, surely you could go to the redline without breaking 33bhp? Might take a few runs but can't see why it's impossible.

[Gazdaman]

Bikes make different power at different revs, if you only half open the throttle, you don't see half the rev range, which they'd notice.

Gaz

[Kickstart]

Hi

Start your bike, and give it half throttle in neutral.

Can be almost certain that it will hit the red line damn quickly.

Running the bike at, say, 1/3 throttle will have almost exactly the same effect as the restrictors.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[mchaggis]

Thing is though, in neutral, the engine isn't doing any work, so can rev as high as it likes (within reason). On a dyno, it has to drive the drum, so will it be able to get to the redline?
____________________
I must not be a troll...
Mmmm, Guinness
Discovering the delights of Hammerite and a 3/4" brush.

[jonboy]

If a 14hp 125 bike can get to the redline, i'm pretty sure a 600 on 1/3 throttle could.

[Kickstart]