Insurers vs Modifications - Current Status?

[aesmith]

QUOTE=PyroUK;2937726]Try Suzuki insurance. Use the link through the main Suzuki site though, there is a pretender out there![/QUOTE]
Just tried them, a bit expensive but they let you select up to five modifications online. Just for the hell of it I tried a few to see whether they affected the price. None of the following made a difference, crash bungs, hugger, exhaust (or not the options I tried), indicators or "Suspension - lowered/uprated". Selecting "Suspension Change" and they wouldn't quote online.

Shame they're expensive, but maybe it gives an idea of what mods the industry in general might accept.

So far all the other online insurers have put an over-riding condition that the bike is unmodified, and you either agree or they won't quote.

[PyroUK]

Online? Interesting they only had a phone option when I used them! Them

[aesmith]

Back to "bonkers Bennetts", as well as their Standard Modifications that they say you don't have to declare, no price uplift for "Exhaust (Road Legal) - End Can" and "Crash Protection (Bungs & Bars)". Suspension mods not accepted online.

[Bibio]

try Bikesure.

my insurance dropped by £160 (now paying £120 FC+) this year and yes i have declared all my mods (very extensive list) only stipulation is that in the event of a claim they price the bike as a standard bike.

C.I.A. make no charge for mods (I have full exhaust, gixer front end, gixer shock, PCIII amongst many other mods) but will only return to standard should you make a claim. Not had any reason to claim but they have been easy to deal with for the last 3 years as well as being very competitive, I pay around £80 fully comp with them.

Regards

[Nutsinatin]

You could give wickedquotes.com a go, just renewed with them, amazingly they actually gave me a 10% renewal discount, I didn't mention to them that they were already £300 cheaper all mods declared than my next best quote with no mods. Not had to make a claim with them yet though, to be honest I'm trying to avoid doing that!

I'm with Hastings Direct.

Haven't had to make a claim, but no problems setting it up. They even reimbursed the £12.50 (the cost for taking the insurance out over the phone instead of online) as you can't add modifications on the internet.

I've got exhaust, indicators, levers, screen, crash bungs, fairing lowers, seat cowl all on the policy. And all replaced 'like for like' if I claim, not back to standard.

Think I'm paying about £170. Fully comp, with no no claims bonus as I only got my bike last month.

I was told I had to declare any mods, but the premium cost didn't go up with all those added.

Worth giving them a call

[Jayneflakes]

Originally Posted by phil24_7

C.I.A. make no charge for mods (I have full exhaust, gixer front end, gixer shock, PCIII amongst many other mods) but will only return to standard should you make a claim. Not had any reason to claim but they have been easy to deal with for the last 3 years as well as being very competitive, I pay around £80 fully comp with them.

Regards

We use CIA and both of our bikes are modified. The wife has a huge wide race exhaust with no baffles and a couple of other things fitted to her ZRX1100. I have mods that include yoke conversion, exhaust, tail tidy, lights, Renthals, brake levers, DB screen, custom stickering and wheel alignment plates. I declared the lot and it costs me £300 for both of us fully comp on both machines. I have been with CIA since MCE screwed me over really really badly about three years ago. CIA are not by any means the cheapest, but after two non fault accidents both of which were dealt with quickly and with out issues, I cannot fault them.

With both of my accidents, the bike came back just as good if not better than it was before with my added mods fitted, despite them saying that they will only repair to standard. With my last accident where I was hit by a 4x4, I used the bike accident company McAms along with my insurance and they really helped too.

Cheers JF, that makes me very happy to know they are easy to deal with if the worst happens. They were 2nd or 3rd cheapest (only by about 10 or 20 quid) for me but the other 2 would not insure me because of my GSXR front end and rear shock!