Have my Insurers invalidated my Insurance during repairs?

So I posted on here 18th December when I was rear-ended by a car at a set of lights and FINALLY 60 days later I have my SV back.

During the repairs, unable to get original parts in a reasonable time frame (and perhaps with a little bit of sweet talking from myself) my stock exhaust was replaced... by the nominated repairers ... with a Yoshimura TRS.

So... The work was conducted by the insurers, the parts were approved by the insurers.

Has my bike now been 'modified'?
Do I need to declare to my insurance that their own approved repairs constitute modification?

Should I declare it in the future if I change insurers?

Does anyone really give a stuff about a can?

Anyone have any thoughts?

[Littlepeahead]

My insurance company said when it comes to exhausts they like to know but only pay out value of standard system. Same with any mods I do.

[NTECUK]

Have to decare it on mine.

[yorkie_chris]

You could argue it's a road legal replacement for the stock which doesn't increase power output.

In future declaring an exhaust change is probably not a bad idea with the above wording.

As for you current one, nah be right. The circumstances where it might give you a problem are remotely possible and you'd have the argument that they implicitly knew about it.

Originally Posted by Littlepeahead

My insurance company said when it comes to exhausts they like to know but only pay out value of standard system. Same with any mods I do.

Nice of them since that's a couple of hundred quid on top of what a decent aftermarket costs

[NTECUK]

"Replacement for the stock which doesn't increase power output"
This is what you need to be sure .
Increase in performance can lead to increasse in priemium's.
I'm on max 30% incresse in performance. (Map2 Remap for cans filter).