View Full Version : Aftermarket exhausts and insurance?
smithy17
06-02-12, 06:48 PM
ok so i am still waiting unitl april 16th when i finally earn a years ncb on my 125 which should make the insurance on my sv more affordable...
entered my details last summer and got a cheapest quote of £1400 only for my dad to do it and be offered £54!!!!!! anyway, no loos as has definitly helped my riding having the 125 for a bit longer but since its coming up for renewal i've been wondering...
how much does an aftermarket exhaust affect insurance premiums? is it minimal?
i have an '02 fully faired, what are decent cheap ones to look for? how much should i be expecting to pay fo it realisticly? i had guessed at about the £150 mark
a final question would be whether it is likely to affect the 33bhp restriction fittted to the bike?
it varies, on mine it doesn't vary the cost at all. Always best to compare the quotes of with the exhaust and without. Always, always, always declare it on your insurance if it is on the bike
I told my insurer they said, "Won't effect the premium you can do as many mods as you want aslong as there not performace & you don't turn it into a streetfighter". < which I don't like anyways so I'm all good.
My boss has never told his insurance companys about his mods & never had a problem, he's either fixed the bike himself or kept the original part to swap it back in the event of a claim which he's only claimed once & that was because he was PXing the bike.
smithy17
06-02-12, 07:51 PM
ok so a stubby would be ok then? am thinking of a fuel one atm.... would definitly tell the insurance compnay, don't wanna chance the insurance being void, spesh after all the news about the licenses etc
alfa.rbt
06-02-12, 09:44 PM
I've got a standard length, round Fuel can on my curvy CLICK (http://forums.sv650.org/showpost.php?p=2616092&postcount=1). It sounds brilliant and looks miles better than oem one.
smithy17
06-02-12, 10:27 PM
that does look great... really like the look of stubbies tho! will have to get saving...
SUPERSTARDJ01
07-02-12, 08:28 AM
I always get a quote as standard then call the insurance company once purchased and tell them of the changes as long as you say it doesn't affect the power then it should be free, I've not had to pay anything extra for an exhaust even when I had a complete akro.
+1 to superstar
I got insured a couple of months ago for the first time and I went on go compare and filled it all out with and without exhaust mod on and the results came out quite differently both in the amount of people who would insure me and the prices.
I rang them up then and quoted the reference without the mod on and explained it on the phone to them mentioning how it doesnt affect bhp and its an end can for cosmetic purpose only. I asked whats the price difference and they said £20 a year which isnt bad and alot cheaper than online.
Definately cheaper by ringing them up!
Its costing me about £560 a year fully comp and for fire and theft it was only £360 but i wanted the security.
Im 22, No bike NCB or experience, 3 points on license and bike used to be Cat D so i think it was a bargain :)
I went for a simmi performance 400mm exhaust (new) off fleebay. £115 delivered
Good Luck!
/edit P.S. My picture isnt the exhaust, thats the standard. I have been too lazy to take some new ones since fitted it on but its nice.
smithy17
07-02-12, 05:12 PM
ye i think i'm gonna have to just ring up a few insurance companies to get some quotes for it with and without... got plenty of time now i finished exams anyway :)
Mikey10
07-02-12, 07:27 PM
told my insurance i had a aftermarket can and he did'nt seem bothered it seems its just the norm that most people have aftermarket cans. but do tell them otherwise you risk being uninsured.
MisterTommyH
07-02-12, 07:31 PM
^^ Don't think you'd actually be uninsured - although they might try to wriggle out of it. They'd probably make you pay the difference between your actual premium and what it should have been if you'd declared (assuming that there is no power increase).
SUPERSTARDJ01
09-02-12, 09:10 AM
If you're stupid enough not to tell them at all then yes you will not be insured, I had to tell them I had a different brand of tyre on but because my belly pan grab rail and gel seat where all Triumph and an optional extra they didn't count as upgrades I believe this is true for the optional extra Arrow cans you can get with new Triumphs.
I even have to tell them if I change the bulbs how crazy is that?
I rang mine . They refer it and rang back and said no increase.
My can is a Delkevic carbon stubby.
aaron020873
09-02-12, 08:28 PM
i had a bit of an off on mine and had it repaired through the insurance and to keep the cost of the repairs down the repair centre fitted a scorpion exhaust instead of an original. I haven't told my insurance company myself but presume they must know as they should of had all the repair items itemised in their bill.
I insured my bike (ebike) including the blueflame evo it had on it at the time. Didn't want to risk a dispute in the event of a claim. I've recently changed the can for a scorpion carbon oval but I havn't bothered to notify the insurance company this time around because if I recall, I only had to declare that the exhaust was non-standard/aftermarket and didn't have to specify a make/model of can so no change to details needed I reckon.
yorkie_chris
11-02-12, 10:23 AM
If you're stupid enough not to tell them at all then yes you will not be insured,
Not correct.
Any consumable item like tyres, brake pads, oil, do what you want as long as it's suitable. Obviously if you fit a non load rated tyre to a goldwing and slide into a bus stop full of nuns when it bursts you'll have problems, otherwise you'll be fine.
With everything insurance it's not as simple as "uninsured" or "void", you can't just "void" insurance, it's more complicated than that. Think more along the lines of if the modification would contribute as cause of an accident...
Not correct.
Any consumable item like tyres, brake pads, oil, do what you want as long as it's suitable. Obviously if you fit a non load rated tyre to a goldwing and slide into a bus stop full of nuns when it bursts you'll have problems, otherwise you'll be fine.
With everything insurance it's not as simple as "uninsured" or "void", you can't just "void" insurance, it's more complicated than that. Think more along the lines of if the modification would contribute as cause of an accident...
.... Or an increase in the risk of theft. +1 Not as simple as "void".
I insured my bike (ebike) including the blueflame evo it had on it at the time. Didn't want to risk a dispute in the event of a claim. I've recently changed the can for a scorpion carbon oval but I havn't bothered to notify the insurance company this time around because if I recall, I only had to declare that the exhaust was non-standard/aftermarket and didn't have to specify a make/model of can so no change to details needed I reckon.
Just ran a quote to ammend my policy to include:
Exhaust inc performance increase up to 5%
Carbon replacement parts to value of £500
Hugger
change of screen
change of indicators
seat cowl
No change to premium at all including all the above until I changed exhaust from "replacement no performance increase" to "performance increase up to 5%". Additional premium then came in at £15 extra over the year. Hardly worth dodging this small fee considering if I stack my bike, the scorpion carbon can costs £300 alone. Best to be covered I reckon. Changes made to policy.
Is there something wrong with the standard exhaust? Mine seemed fine - it had a hole at one end for the gas to go in, a hole at the other end for the gas to come out, and some stuff in the middle to stop the gas going anywhere else.
Is there something wrong with the standard exhaust? Mine seemed fine - it had a hole at one end for the gas to go in, a hole at the other end for the gas to come out, and some stuff in the middle to stop the gas going anywhere else.
The sound, the looks & the weight.
The sound, the looks & the weight.
It's an SV. It sounds like a tractor, looks very average and doesn't exactly set new ground in power-to-weight ratio even even before it has a 33bhp restrictor fitted.
I don't think a new can is going to make a huge difference.
MisterTommyH
12-02-12, 04:12 PM
If you're stupid enough not to tell them at all then yes you will not be insured.
I really don't think that's the case. As YC said it's not straightforward and they cannot just void the insurance unless it is actually justified...... I mean there have been stories on here of insurers telling people they have to declare stickers FFS.
It's more about you getting away with a cheaper policy. I think it would be more like this what Tam says in this post on another thread: Tams post (http://forums.sv650.org/showpost.php?p=2656882&postcount=25)
Alright the issue he's talking about is far more complex (and actually a different issue), but the principle of them having to pay out, but the rider having to make up the payment is in there.
It's an SV. It sounds like a tractor, looks very average and doesn't exactly set new ground in power-to-weight ratio even even before it has a 33bhp restrictor fitted.
I don't think a new can is going to make a huge difference.
I'd like to work near the tractors you seem to know ;) the looks i was referring to is the standard exhaust vs an aftermarket. Never even mentioned power gains, or power to weight. I merely commented on the weight of it in comparison to an aftermarket exhaust.
I have my opinions, and you have yours. I commented on reasons why people change the standard fitted one for an aftermarket.
It's an SV. It sounds like a tractor, looks very average and doesn't exactly set new ground in power-to-weight ratio even even before it has a 33bhp restrictor fitted.
I don't think a new can is going to make a huge difference.
It's an individual choice, looks, sound & to a lesser extent performance. Nobody said it was compulsory but don't knock the majority who choose to spend the money they work hard to earn on a bike they take pride in.
yorkie_chris
12-02-12, 09:14 PM
DNFTT
It's an SV. It sounds like a tractor, looks very average and doesn't exactly set new ground in power-to-weight ratio even even before it has a 33bhp restrictor fitted.
I don't think a new can is going to make a huge difference.
If they're so bad then why are you here?
DNFTT
If they're so bad then why are you here?
Because when I signed up, I had one. Same as lots of people who post here.
Anyway, I didn't say they're bad - for what they are (a cheap newbie-friendly, reliable, low-end bike with faintly sporty styling), they're absolutely fine. I just find it baffling when people stick aftermarket exhausts on them as if it does anything worthwhile.
SUPERSTARDJ01
13-02-12, 07:19 AM
They can't be that bad if people use them on the track? Good to learn mechanics on as well.
They can't be that bad if people use them on the track? Good to learn mechanics on as well.
You could say both of those things about a Honda C90.
You could say both of those things about a Honda C90.
Now now, mother always told me "if you can't say anything nice..."
What's not nice about that?
If a C90 is good enough for Jeremy McWilliams and Scott Redding...
http://www.livefrompitlane.com/2011/02/11/scott-redding-super-commuter/
http://www.livefrompitlane.com/wp-content/uploads/2011/02/scott-c90.jpg
Lol. That's never a standard exhaust...
yorkie_chris
13-02-12, 03:05 PM
Because when I signed up, I had one. Same as lots of people who post here.
Anyway, I didn't say they're bad - for what they are (a cheap newbie-friendly, reliable, low-end bike with faintly sporty styling), they're absolutely fine. I just find it baffling when people stick aftermarket exhausts on them as if it does anything worthwhile.
About as baffling as using a thou on the road?
Roberrrrt
13-02-12, 03:18 PM
About as baffling as using a thou on the road?
:smt044
About as baffling as using a thou on the road?
A big, torquey, turbine-smooth road bike? Baffling indeed.
go for a delkevic exhaust :p they are sweet sounding :)
Told my insurance I had a Delkevic Stubby Slip-on. No increase in premium, just said they would note it down and that was it and these are the same insurers that added 50% onto my premium because I said my bike was restricted. I was going to say I'll just go elsewhere but they were still the cheapest so I stuck with them.
Og, I never bought my bike dreaming about insurance but I did love the idea of personalising it. Are aftermarket can's not just one way of doing that (whether its for performance or cosmetic looks)?
Told my insurance I had a Delkevic Stubby Slip-on. No increase in premium, just said they would note it down and that was it and these are the same insurers that added 50% onto my premium because I said my bike was restricted. I was going to say I'll just go elsewhere but they were still the cheapest so I stuck with them.
+1 on the Delkevic Stubby
My other half reconed it sounded like a lawn mower till I fitted mine.
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