Modifications and insurance

What modifications need to be notified to the inusrers?

Has anyone notified there insurers, if so did it make any big changes to the premium?

Have you neglected to notify any changes and had issues caused by this?

Ive got an aftermarket exhaust and now full luggage, does I need to inform them and am I likely to suffer a big charge?

you should notify insurance of ALL modifications. They can be really sneaky and use it as a loophole not to pay out after an accident if they find out you have any mods you dont tell them about.

I do believe that most insurer's arnt that bothered about little mods, by that basically anything that dont effect performance too much. They gave me a right list of stuff you can do without having to tell them. But they said its probably best to let them know. There was no extra cost.

Id advise asking.

Also, as said above, could quite be true

They can also be sneaky and tell the Police that your insurance is void if you haven't declared any modifications - worst case scenario, charged with no insurance and bike seized.....seen it happen...

[yorkie_chris]

Mine were fine with any mods that did not add >5% to power. Told them about race cams and there was charge of £13 or so. They also gave me written notice that they had mods on record including the home-baked restrictor kit. Thumbs up for bikesure so far.

AFAIK in event of a crash they would have to prove that the undeclared mods contributed to the accident like if you had made it into a 90bhp 750 and not improved the brakes/suspension then put it under a car on a corner.


Best bet is to ring them up, say "I am thinking about fitting some luggage and an aftermarket pipe". See what they say.

Originally Posted by yorkie_chris

AFAIK in event of a crash they would have to prove that the undeclared mods contributed to the accident like if you had made it into a 90bhp 750 and not improved the brakes/suspension then put it under a car on a corner.

If it says anywhere on the Policy that they need to be informed of mods, as most of them do, then this is not the case. They can turn around and state that as you had undeclared modifications you haven't complied with the policy agreement and as such the policy is void.

It's ridiculous that they do it but they do. It's just another loophole for them to get out of paying out money and another loophole for them to try and increase peoples premiums.

[timwilky]

Talking of void insurance. I have experience of insurers refusing to pay out as a result of poor maintenance that resulted in a claim. (Defective brakes) So if you expect them to play fair, you too must play fair.

notify them of everything and make sure you log the time and date you notified them for future reference so they can't slime out of anything.

i realy need to do that ... with some of the new stuf i have on the bike EG rear sets,carbon bits

My insurers (Bennetts) didn't want to know about any of the extras/add ons or chav bits I had when I phoned them about it. They said that unless the 'mods' increased bhp or performance - they were not interested! Hugger, undertray, seat cowl, lowers, exhaust etc would not increase my already high premium of £86 (FC). I'd suggest that others check with their insurers though. HTH. Chin