How many of you declare your bike mods

[barwel1992]

How many of you declare all of you bike mods ?

and if you only declare some mods what mods do you not declare

[G]

Your not insured if you don't. I can't imagine anyone is going to admit to it, although some may be silly enough too.

[Milky Bar Kid]

Always. Hate the thought of the insurance companies weasiling out of a payment!

[barwel1992]

Your not insured if you don't. I can't imagine anyone is going to admit to it, although some may be silly enough too.

i was told to day by MCD to not bother with stuf like indicators

[andrewsmith]

not giving the insurers an inch.
it depends upon what it is and if the insurer wants to know about it. But still try and declare them all

[Jamesy D]

Always. Hate the thought of the insurance companies weasiling out of a payment!

How much does it hike up your premiums, if you know the difference?

If I knew all of the mods on my SV I could declare them...but I'm still stumbling upon new ones when I explore the bike.

[Milky Bar Kid]

Unless they majorly affect performance, they don't tend to affect the premium that much in my experience.

[the_lone_wolf]

Of the two people I know who work in insurance, neither declare the mods on their own bikes, short of you boring out the engine to a litre or fitting an entirely new frame from another bike your claim won't be rejected because you haven't declared the mods...

Make of that what you will, Adrian Flux only ask you to declare mods to the engine, frame or fairing which is sensible

[barwel1992]

from what i can gather its all a bit of a mess when in comes to mods one company didn't care and sead they just put modded on the policy, MCD didn't care about the small things. and some other company my dad rung wanted to know them all and apparently the bloke sounded shocked when my dad told him what had been done. none of them mods have increased the price though

[andrewsmith]

Of the two people I know who work in insurance, neither declare the mods on their own bikes, short of you boring out the engine to a litre or fitting an entirely new frame from another bike your claim won't be rejected because you haven't declared the mods...

Make of that what you will, Adrian Flux only ask you to declare mods to the engine, frame or fairing which is sensible

Have heard that one on the mods

[Milky Bar Kid]

Of the two people I know who work in insurance, neither declare the mods on their own bikes, short of you boring out the engine to a litre or fitting an entirely new frame from another bike your claim won't be rejected because you haven't declared the mods...

Make of that what you will, Adrian Flux only ask you to declare mods to the engine, frame or fairing which is sensible

It depends entirely on the insurance company! If they have it stated in the policy that you must declare mods and then don't then you haven't complied with the conditions of the insurance and it can be voided! Hence why I always play it safe with them.

[the_lone_wolf]

Have heard that one on the mods

One of them had queried a claim from someone who had failed to declare a disqualification when taking out the policy

The claim was OK'd and went through

If the company does kick up a fuss, the most likely option is that you'll be asked to pay the difference between a premium without mods, and with mods, before the claim is allowed to proceed

[coolevilangel]

I declare everything, but it didnt affect my premium one iota!:D
Wouldnt feel right riding the bike, thinkn the insurance company had a 'get out of paying' clause coz i didnt declare!

[andrewsmith]

If the company does kick up a fuss, the most likely option is that you'll be asked to pay the difference between a premium without mods, and with mods, before the claim is allowed to proceed

That is actually in my small print with my policy

[the_lone_wolf]

It depends entirely on the insurance company! If they have it stated in the policy that you must declare mods and then don't then you haven't complied with the conditions of the insurance and it can be voided! Hence why I always play it safe with them.

See above example, no insurer in the land wouldn't want you to declare a disqualification within the relevant time period, and yet the claim was allowed to proceed

[Milky Bar Kid]

See above example, no insurer in the land wouldn't want you to declare a disqualification within the relevant time period, and yet the claim was allowed to proceed

And see my post and read the first line. It depends on the insurer. I have seen examples where the outcome wasn't so positive.

[TazDaz]

Would you inform them if you changed something as concealed as say fork springs?

[the_lone_wolf]

And see my post and read the first line. It depends on the insurer. I have seen examples where the outcome wasn't so positive.

I wasn't replying to the first line...

[barwel1992]

Would you inform them if you changed something as concealed as say fork springs?

the insurers that wanted to know every thing even wanted to know about non OEM brake pads

this was my list :rolleyes: i dident know weather to include after market bolts lmao

Front end
Showa Front forks
T595 front wheel
Brembo gold line callipers
Brembo Front Master cylinder
ABE front brake discs
Carbon front fender
Koso Tapered head bearings
Front Gold Fren sintered HH brake pads
Hel Front race brake line’s

Rear
KYB Rear shock
25mm dog bones
Cobra rear Brake line
Goodridge Brake pressure switch
Rear Gold fren sintered HH brake Pads

Control’s
Renthal Handle Bars
GB moto rear sets

Performance
Art Exhaust
Renegade High level link pipe
Factory pro velocity stack’s
Cut air snorkel

Accessories
Ermax under tray
Metal Chain guard
Rear seat cowl
Stomp grips
Tank pad
Renthal grips
Bar end mirrors
K&N oil filter
Beowolf Radiator grills
R&G crash bungs
Renthal front light weight sprocket

Electrical
Trail tech vapour
Trail tech vapour dash kit
LSL urban Light
HIDs4U HID light kit
Rear clear light
Mini front indicators
Built in rear indicators
LED number plate bolts

[Milky Bar Kid]

I wasn't replying to the first line...

:rolleyes:

My point was that I wasn't saying all insurance companies wouldn't honour the claim....

[andrewsmith]

the insurers that wanted to know every thing even wanted to know about non OEM brake pads

this was my list :rolleyes: i dident know weather to include after market bolts lmao

that list technically makes yours a custom bike

[barwel1992]

apparently not because i haven't modded the frame (according to most of the insures i phoned)

[Wideboy]

i've got no mods to declare

[andrewsmith]

suprised that their is the rule. What do they class yours as?

[BanditPat]

No mods to declare :3 only mod i would bothere with on most bikes though is an aftermarket can

[barwel1992]

i've got no mods to declare

lol yehh ...

suprised that their is the rule. What do they class yours as?

just modded :rolleyes:

[TamSV]

The principle here is that you must disclose any material facts. A fact is material if it would affect the decision of a prudent underwriter to either accept the risk or apply additional terms.

So if you fail to disclose a modification and have a claim, the outcome will depend on what the underwriters view would have been at the outset. One of three things will happen;

a) that particular insurer doesn't care about those modifications, so your claim gets paid.
b) had they known about the existence of the modification they would have charged a premium for it. You pay that premium and your claim gets paid.
c) had they known about the modification at inception they would have refused to insure you. You stand a good chance of getting your claim declined.

Non-disclosure alone is not enough for the insurer to avoid your claim.

The problem is, you don't know what that particular insurers attitude is to modifications so you have to disclose everything to be sure you're covered. Every insurer can set their own underwriting parameters and can vary these from time to time so there is no single answer to this question.

I'm a commercial insurance broker and tell my customers to disclose everything to me, but I don't then necessarily disclose that information to the insurers. I know what is material to that particular underwriter (and, if required, I can prove it with precedent) but my customer doesn't.

With regards to the disqualification issue, insurers can't take account of convictions that are spent under the Rehabilitation of Offenders Act. There is a big discrepancy in time periods for disqualification where the conviction must still be shown on your licence yet is spent under the ROA. No insurer could avoid a claim for not disclosing - in fact they are in breach of the law if they take account of a spent conviction (even though it's still on your licence).

[TamSV]

And I've voted that I don't declare all my mods.:D

I didn't disclose my Zunkus tail tidy.

[the_lone_wolf]

With regards to the disqualification issue, insurers can't take account of convictions that are spent under the Rehabilitation of Offenders Act. There is a big discrepancy in time periods for disqualification where the conviction must still be shown on your licence yet is spent under the ROA. No insurer could avoid a claim for not disclosing - in fact they are in breach of the law if they take account of a spent conviction (even though it's still on your licence).

I don't recall saying it was spent...

[TamSV]

I don't recall saying it was spent...

I know you didn't and I wasn't having a pop at what you were saying - sorry if that was unclear. I was just setting out a scenario where you could have a major conviction on your licence that the insurer wouldn't take into account.

I also thought it might be a useful contribution to point out that the time periods where convictions are spent differ between the driver licencing regs and ROA, and the ROA takes precendence. A drink driving offence stays on your licence for 11 years but is "spent" after 5 so doesn't need to be disclosed.