Fitted fairings - insurance question.

[ferret23]

Looking at getting a quote for my recent purchase a 2001 sv650 it has had fairings added and essentially been turned in to an s model do I declare the bike as an s model or a standard naked model with fairings etc added as a mod? I am confused as people have told the S part makes the insurance alot more but so do mods.
By the way dont use aquote I have a current policy with them and rang them up to cancel as I havehad some really good quotes elsewhere and they wanted a staggering £87 just to cancel!!!!!!!!!!

[MrMessy]

It is not really an S model therefore just tell them an aftermarket fairing as been fitted.

[ferret23]

Thats what I thought they will probably know when I give them the reg that it is a standard naked version. I assume that there is no difference in the engines and performance of a naked and s version???

[MrMessy]

No they are the same power output. Some insurance companies put the "S" model in an higher group due to the higher costs associated with the list price and replacing fairings etc in event of an accident.

[MattCollins]

Yup, n model per data plate with mods should be declared as such.

[Lozzo]

I'd be wondering if the reg document says whether it's an S model or not. If it simply says SV650 with no mention of S on it then don't declare it as a modification. If the reg document says SV650N then you'll definitely be in stook if you have to make a claim.

If you declare an aftermarket modification the insurance will rocket, but if it's a standard fit fairing just fitted to a naked bike I wouldn't personally declare if, but I would tell them it has a fairing so you're covered for it.

[ferret23]

Most people I have spoke to have said don't bother mentioning it

[ophic]

some insurers take the attitude that as long as it's not a performance affecting mod, it's ok - but the mod itself isn't covered by insurance, unless it's specified. This applies to slip-on exhausts too, as anything that makes less than a few percent performance difference is considered non-affecting.