View Full Version : How much does a exhaust change your insurance?
How much does a exhaust change your insurance?
Was thinking of getting a new exhaust on my SV after xmas but how much (if any) will it add to my insurance?
Currently paying £500 TPFT, 19 year old aswell.
Also will changing things like Screen and indicators etc, change it?
Ta
Gary
DavieSV
08-12-06, 12:23 AM
try e-bike
blue flame put £10 on but R&G crash bungs took £10 off
Indicators didn't make a difference
It's quite a user friendly site, you can play with the bike details to see what makes a difference
DanAbnormal
08-12-06, 08:16 AM
Some insurers will not allow any mods so check with your inurance first before buying. Bennetts will not allow any bikes that have any mods at all which is totally archaic.
It doesn't affect your insurance if you don't tell them.
I'm with A-Quote who said that as long as there was no performance gain then there would be no change to insurance. So.....tell them the baffle's in & when you have an off - it must have fallen out!
It doesn't affect your insurance if you don't tell them.Purley that is illegal isnt it ;) Would never catch me not telling my isurance about the mods on my bike...oh noooo ;)
It doesn't affect your insurance if you don't tell them.Purley that is illegal isnt it ;) Would never catch me not telling my isurance about the mods on my bike...oh noooo ;)
nope, not illegal!
I asked my insurance if they wanted to know about modifications and they said no unless it impacted on the performance.
Ring em up with a hyperthetical set of mods.
I asked my insurer (Suzuki Insurance with NIG) about the tail tidy n zorst and they said the tidy would not be covered if that got damaged but the rest of the bike would. (fine by me)
As for the zorst, if it's not a performance part (most are not on there own with the baffle in) and is road legal no charge, if it got damaged though it would be replaced by a standard system though, again fine by me.
So the Evotech tidy went on and the CCC stainsless Oval went on a bit later, just a quick call when fitted. All above board and no tantrums.
It does depend on the insurer and riders details though.
Now if I'd gone for a full non road system (M4 for example) and Power commander n silly air filter I guess the result would have been a lot different.
fizzwheel
08-12-06, 09:44 AM
Made no difference to mine, on either bike.
IMHO its best to declare everything that way you avoid any potential problems should you have to make a claim.
Ceri JC
08-12-06, 09:56 AM
Some insurers will not allow any mods so check with your inurance first before buying. Bennetts will not allow any bikes that have any mods at all which is totally archaic.
Hmmm, let's estimate how many people with Bennets have undeclared mods then? I'd say, oooh, about 100%? :lol:
Glad I didn't mention my scottoiler and fender extender to them now (only mods I had at the time I was insured with them)!
In all seriousness, I think they know the score. It's probably just a way of letting them offer cheaper quotes, not to mention a great way of weaseling out of claims..
northwind
08-12-06, 10:04 AM
I asked my insurance if they wanted to know about modifications and they said no unless it impacted on the performance.
Yeah, but that's not not declaring, that's them not wanting it. If they ask the question and you say no, or you give a false answer on a form, that's asking for trouble. Mainly, in this case, since it could make your bike a better target for theft- it really shouldn't affect an accident claim, unless it in some way causes it (exhaust falls off and a biker behind runs over it and crashes :lol: ). But if it's nicked and recovered, and it has some bling mods that weren't declared, that's when the insurers can start reasonably claiming that they've been misled.
You've also got to be really careful with "performance enhancing"- A lot of manufacturers do claim power increases for end cans, to me it's all more or less lise and when there is a difference it's extremely small, but even an extra 1bhp at 4000rpm could be considered performance enhancing. A difficult claim along those lines would probably still be paid out, but it could take a serious investment of time and hassle to achieve that.
Not to exagerrate risks... These threads are always full of internet experts who'll tell you it invalidates your insurance, or that it never affects your insurance, the truth is more sensible and more complicated :) In the real world it might impact a payout, might cause you a massive pain in the bum, or might be absolutely fine.
I declare everything, but then I'm insured at fixed value for about a grand more than the bike's worth so I would do :) But I even declared the saddlebags on the Virago. I suspect they doubled it's value. Tripled when they had my toolkit and a spare pair of gloves in.
andyaikido
08-12-06, 10:33 AM
Ring em up with a hyperthetical set of mods.
I asked my insurer (Suzuki Insurance with NIG) about the tail tidy n zorst and they said the tidy would not be covered if that got damaged but the rest of the bike would. (fine by me)
As for the zorst, if it's not a performance part (most are not on there own with the baffle in) and is road legal no charge, if it got damaged though it would be replaced by a standard system though, again fine by me.
So the Evotech tidy went on and the CCC stainsless Oval went on a bit later, just a quick call when fitted. All above board and no tantrums.
It does depend on the insurer and riders details though.
Now if I'd gone for a full non road system (M4 for example) and Power commander n silly air filter I guess the result would have been a lot different.
Ironically, this would cost the insurer 3 or 4 times as much as replacing the end can. :D
Ceri JC
08-12-06, 03:14 PM
Ironically, this would cost the insurer 3 or 4 times as much as replacing the end can. :D
Yes, I was rather gleeful when I got £650 for a scuffed end can (standard full system) that got scratched courtesy of a myopic "older gentleman. " :D
kwak zzr
08-12-06, 04:43 PM
cost me a tenna to put my exhaust mod on my hastings direct policy.
Im insured with Carol Nash-Told them about my full akra race system, all they said was theyd insure me but if i have an accident itl only get replaced with a standard system, fair enough. :D
Told them about everything aswell, no probs.
Im 22 with 2yrs ncb Costs me £500 fully comp.
Alpinestarhero
09-12-06, 01:57 PM
How much does a exhaust change your insurance?
Was thinking of getting a new exhaust on my SV after xmas but how much (if any) will it add to my insurance?
Currently paying £500 TPFT, 19 year old aswell.
Also will changing things like Screen and indicators etc, change it?
Ta
Gary
Try carol nash, they are leanient.
Bennets are crap.
Matt
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