sv650s restricted license insurance?

im on an A2 license(restricted to 33bhp)
i have an sv650s 2001 with restrictor kit. insurance ive got so far is £740 and a £90 cheque back (dont know why they just dont take £90 of price i do not know)
im getting cheaper quotes if i do not declare having a restrictor kit on, so can i say i havent got it on and ride ? what will happen if i ride and i crash (hope not) and they find out ?
im insuring bike on my birthday (12th January)i will b 19 years of age) as it goes down £200 . any ideas what would happen ? people say insurance void but i duno really :S hope some1 or a few can help . thanks alot

Joe

Hello Joe,I would suggest being totally open and honest with the insurance company. I'm pretty sure that they will look for any excuse at all not to pay out should the unfortunate occur, also if you do become involved in an RTC and the police get involved you could find yourself in a bit of a sticky situation. I'm happy I'm old (ish), my insurance is £71.15 on my unrestricted SV, you young lads have my deepest sympathy when it comes to buying insurance.

i never told the insurance that mine was restricted few years ago, you didnt have to. just make sure you have a certificate to prove the bike is restricted, or maybe a dyno test results sheet maybe.

I always get mixed answers so its hard what to do lol. Hopefully some more answers soon

Modifications should be declared, failure to do so may result in voiding the policy. A restrictor, although not performance enhancing, is never the less a modification and as such should be declared. Ask yourself the question, would you be prepared to risk riding and getting punted off by a car driver only to find you weren't covered by your own policy? Then ask why insurance premiums are so high? Bingo!!!

[Jayneflakes]

I have always declared my restriction, along with my alarm and handle bar conversion. The response I have always had has been positive and my fully comp policy costs me about £200. When I had a bump, they supplied a restricted hire bike to me, so I would always mention it. I have been told that because it does not increase power, it does not effect the price. In your position, I would shop around and use a company that are a little more competitively priced.

i told my insurance but was also informed that even though its less horsepower, and therefore less speed, if you do chuck it down the road and write it off, it still costs the same in a payout.

didnt affect my insurance a bit when it came off, but they did ask for a copy of the certificate when i initially applied.

Originally Posted by tom-k6

i told my insurance but was also informed that even though its less horsepower, and therefore less speed, if you do chuck it down the road and write it off, it still costs the same in a payout.

didnt affect my insurance a bit when it came off, but they did ask for a copy of the certificate when i initially applied.

Same here.

But remember, the certificate is not actually a legal document.. I'm not saying throw it away or burn it, I'm just saying if you don't have one then it's not the end of the world and you can still prove it through a dyno test.

[yorkie_chris]

IMO there is no reason to declare restrictor to insurance... it is not mod worth mentioning as it is just what is required for licence.

To be safe, use OE restrictor kit. For the pointy that's the only sensible option anyway.

I'll do the right thing and put restrictor down . An in 2 years time i will have a better bike with no restrictor and cheap insurance .