SV650.org - SV650 & Gladius 650 Forum - Declaring Mods To Insurance

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- - Declaring Mods To Insurance (http://forums.sv650.org/showthread.php?t=92968)

Re: Declaring Mods To Insurance

Quote:

Originally Posted by HooliganDan (Post 1233167)

If you are with Bennetts then you cannot have ANY mods to your bike. When you take out a policy with them it states this on the quotation or they tell you on the phone. A bit lame but it's why they are cheaper. Give ebike a go, they can take all and any mods you can think of.

I've been on Bennetts and i couldn't find a anything in their policy documentation about bike modifications, will they not even allow you to put them on but just not cover them in the event of an accident? What difference is a DB gonna make?

Re: Declaring Mods To Insurance

Quote:

Originally Posted by Warthog (Post 1233128)

I rang Bennetts when I was thinking about getting my CCC, and they just said fine whatever, so long as it doesn't change the BHP. So I haven't even told them, they said not to bother.

Ring them! The woman was nice, and said it was fine and I didn't have to tell them if it didn't change the BHP.

Re: Declaring Mods To Insurance

Quote:

Originally Posted by Warthog (Post 1234382)

Ring them! The woman was nice, and said it was fine and I didn't have to tell them if it didn't change the BHP.

Will do, i have a double bubble aswell, but i also have the original so that won't be a problem, don't really want to pay £300 more unnecessarily.

Re: Declaring Mods To Insurance

When you get a quote from Bennetts it's based on some general assumptions. One of these assumptions is that the bike is not modified in anyway.

I took this direct from the Bennetts website just now.

They may be able to add some stuff now, but every bike I've ever had they have told me that I could not add even a fly screen as it would make the bike non-standard. If they can help you, then great, I'm going by what they have told me over the past 4 years and 13 bikes. If you have any luck let me know, I will be having words with them!!

Re: Declaring Mods To Insurance

Try Bike sure (Adrian Flux).

Re: Declaring Mods To Insurance

Quote:

Originally Posted by timwilky (Post 1233129)

Unfortunately Bennetts on line system will not touch any bike with an aftermarket exhaust. Daft as it will actually cost them far less if they have to replace it than with a standard system. But that is their rules.

Is it just the online system, or are they the same in the flesh? I wouldn't touch Bennetts with a 10 foot pole myself, but they do price well sometimes. Carole Nash are pretty much the winners for modified bikes IMO, they even do agreed value on recent bikes (mine's off agreed value but it was comedically down for £5000 last year, which was like sending me a letter saying "Dear Mr Cunningham, please commit insurance fraud now") But then, you do tend to pay more with CN.

Like has been said, make sure you have anything in writing.

Re: Declaring Mods To Insurance

I second northwind's comments....Carole Nash may be more expensive, but when it comes to claim time, i know who i would rather be on the phone with!
Factor in the extras you get with CN as well.

IMO if Dan is right, then its probably worth declaring all the mods. If that means paying more for insurance then thats unavoidable. No point finding out you have no insurance if involved in an accident.

With specific regard to the exhaust, if its marked "not for road use", then surely it is a race/performance exhaust that will modify BHP.....

Re: Declaring Mods To Insurance

try www.expressinsurance.co.uk they are very cheap for suzukis coz they sponsor the bsb team. im 23 first big bike £290 fcomp last august, just been quoteed £246 fcomp with them , cheapest elswhere is £438 so far give them ago

Re: Declaring Mods To Insurance

http://www.expressinsurance.co.uk/sc...ge=suzuki.html

Official Suzuki Motorcycle Insurance

Express Insurance one of the UK's largest independent insurance intermediaries, has teamed up with Suzuki to offer highly competitive motorcycle insurance for ALL riders of new and used Suzuki motorcycles and scooters.
The new Suzuki Insurance scheme has been designed to provide wide ranging cover with special benefits for Suzuki bike riders and offers excellent rates, backed by our strong commitment to customer service and support to Suzuki riders in the UK.
The new scheme will offer FREE Third Party Only cover on all new and unregistered models under 125cc purchased from an Official UK Suzuki Dealer, including the stylish Katana R50, RV125 Van Van, VL125 Intruder, UH125 Burgman and GZ 125 Marauder (subject to status). There are options to upgrade to Third Party Fire & Theft or Comprehensive cover, supported by a Suzuki subsidy.
The insurance benefits over 125cc are equally attractive and can include:**

Enhanced No Claims Discounts - up to 60 per cent
Free Guaranteed for Life Bonus, with 5 or more years No Claims Bonus
Security discounts - garaged and/or Thatcham approved devices
Suzuki training and Advanced Rider discounts - up to 10 per cent
Female rider discounts - up to 12.5 per cent
Length of bike ownership discount - up to 10 per cent
Green Card cover - up to 90 days free
The ability to ride other motorcycles

If that wasn't enough, the Suzuki Insurance scheme will also offer these fantastic options:**

Track day cover at £125 per year - covering up to eight track days (Terms & Conditions apply)
Low cost breakdown and legal cover

Re: Declaring Mods To Insurance

Quote:

Originally Posted by barmy.biker (Post 1234820)

If that wasn't enough, the Suzuki Insurance scheme will also offer these fantastic options:**

Low cost breakdown and legal cover

which isn't worth the paper that it is written on.

express have been utterly rubbish for us. they got details wrong, wouldn't send out amended insurance documents when we added cover (for business use), and were hopeless when we got knocked off the bike.