How many of you declare your bike mods

Originally Posted by the_lone_wolf

Of the two people I know who work in insurance, neither declare the mods on their own bikes, short of you boring out the engine to a litre or fitting an entirely new frame from another bike your claim won't be rejected because you haven't declared the mods...

Make of that what you will, Adrian Flux only ask you to declare mods to the engine, frame or fairing which is sensible

It depends entirely on the insurance company! If they have it stated in the policy that you must declare mods and then don't then you haven't complied with the conditions of the insurance and it can be voided! Hence why I always play it safe with them.

[the_lone_wolf]

Originally Posted by andrewsmith

Have heard that one on the mods

One of them had queried a claim from someone who had failed to declare a disqualification when taking out the policy

The claim was OK'd and went through

If the company does kick up a fuss, the most likely option is that you'll be asked to pay the difference between a premium without mods, and with mods, before the claim is allowed to proceed

I declare everything, but it didnt affect my premium one iota!
Wouldnt feel right riding the bike, thinkn the insurance company had a 'get out of paying' clause coz i didnt declare!

[andrewsmith]

Originally Posted by the_lone_wolf

If the company does kick up a fuss, the most likely option is that you'll be asked to pay the difference between a premium without mods, and with mods, before the claim is allowed to proceed

That is actually in my small print with my policy

[the_lone_wolf]

Originally Posted by Milky Bar Kid

It depends entirely on the insurance company! If they have it stated in the policy that you must declare mods and then don't then you haven't complied with the conditions of the insurance and it can be voided! Hence why I always play it safe with them.

See above example, no insurer in the land wouldn't want you to declare a disqualification within the relevant time period, and yet the claim was allowed to proceed

Originally Posted by the_lone_wolf

See above example, no insurer in the land wouldn't want you to declare a disqualification within the relevant time period, and yet the claim was allowed to proceed

And see my post and read the first line. It depends on the insurer. I have seen examples where the outcome wasn't so positive.

Would you inform them if you changed something as concealed as say fork springs?

[the_lone_wolf]

Originally Posted by Milky Bar Kid

And see my post and read the first line. It depends on the insurer. I have seen examples where the outcome wasn't so positive.

I wasn't replying to the first line...

Originally Posted by TazDaz

Would you inform them if you changed something as concealed as say fork springs?

the insurers that wanted to know every thing even wanted to know about non OEM brake pads

this was my list i dident know weather to include after market bolts lmao

Front end
Showa Front forks
T595 front wheel
Brembo gold line callipers
Brembo Front Master cylinder
ABE front brake discs
Carbon front fender
Koso Tapered head bearings
Front Gold Fren sintered HH brake pads
Hel Front race brake line’s

Rear
KYB Rear shock
25mm dog bones
Cobra rear Brake line
Goodridge Brake pressure switch
Rear Gold fren sintered HH brake Pads

Control’s
Renthal Handle Bars
GB moto rear sets

Performance
Art Exhaust
Renegade High level link pipe
Factory pro velocity stack’s
Cut air snorkel

Accessories
Ermax under tray
Metal Chain guard
Rear seat cowl
Stomp grips
Tank pad
Renthal grips
Bar end mirrors
K&N oil filter
Beowolf Radiator grills
R&G crash bungs
Renthal front light weight sprocket

Electrical
Trail tech vapour
Trail tech vapour dash kit
LSL urban Light
HIDs4U HID light kit
Rear clear light
Mini front indicators
Built in rear indicators
LED number plate bolts

Originally Posted by the_lone_wolf

I wasn't replying to the first line...

My point was that I wasn't saying all insurance companies wouldn't honour the claim....