Aftermarket exhausts and insurance?
 

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?

Re: Aftermarket exhausts and insurance?
 

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

Re: Aftermarket exhausts and insurance?
 

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.

Re: Aftermarket exhausts and insurance?
 

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

Re: Aftermarket exhausts and insurance?
 

I've got a standard length, round Fuel can on my curvy CLICK. It sounds brilliant and looks miles better than oem one.

Re: Aftermarket exhausts and insurance?
 

that does look great... really like the look of stubbies tho! will have to get saving...

Re: Aftermarket exhausts and insurance?
 

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.

Re: Aftermarket exhausts and insurance?
 

+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.

Re: Aftermarket exhausts and insurance?
 

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 :)

Re: Aftermarket exhausts and insurance?
 

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.