Declaring Mods To Insurance

Got my bikini curvy a few nights ago, I'm 21 and my quote from Bennetts was just shy of £670 which i was pleased with, oppinions?

The bike is mainly stock, it has a powerbronze double bubble, and a stainless steel exhaust. The thing with the exhaust is i didn't notice it wasn't standard when buying the bike, as it is very similar to the standard can, it has no brand on it, only the stamp "NOT FOR ROAD USE", how do i go about delcaring that one?

Will these two bits add much on to the price?

Thanks.

I have declared my Exhaust (Fuel Oval SS)but said there was no BHP gain cos of it. Well to my knowledge there is not, and it would be down to the ins company to prove there was if i claimed.

The reason i declared it was because it could void my insurance. Saying i had one with no BHP gain did not seem to make any diff to the quote. I pay £230 fully comp!! and i am only 28, oh and it was my first bike. cant argue with that?

have not declared the hugger, as i cant see them being that bothered about a piece of plastic that makes no diff to the way the bike handles or performes., and cahnces are in a smash it will shatter and break up anyway!

A lot of the reasonable insurers have no problem with things that aren't performance mods and don't make the bike more nickable. I declared my mods to mine at renewal and it made no difference to my premium.

Originally Posted by TheStudent

The thing with the exhaust is i didn't notice it wasn't standard when buying the bike, as it is very similar to the standard can, it has no brand on it, only the stamp "NOT FOR ROAD USE", how do i go about delcaring that one?
Thanks.

How do i declare an exhaust though when i don't know what it is, i might phone the previous owner tonight. But my main query is, how do you declare an exhaust that is not for road use onto a road bike with road insurance?

[Biker Biggles]

Just declare it as an aftermarket end can make unknown with no performance gain.Best to mention these things to them so they can't wriggle out of anything later.

Well I would imagine that you shouldn't be using a bike on the road with a not road legal exhaust!

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.

[timwilky]

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.

So you either find an insurer that will accept the can (Warthog says ok with Bennetts if you actually talk to them). Or risk not declaring it and finding your insurance void when you most need it.

However, please get it in writing, don't accept any verbal acceptance and most certainly the "Don't tell us" line as it is their get out in the event of a claim

Originally Posted by Biker Biggles

Just declare it as an aftermarket end can make unknown with no performance gain.Best to mention these things to them so they can't wriggle out of anything later.

Tell them it says "NOT FOR ROAD USE"?

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.

Originally Posted by HooliganDan

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 didn't know that, that sucks! eBike are a few hundred more, gutted!