Insurance and modifications!

yep told them about the lot, the zorst made £5 difference.

Originally Posted by El Saxo

Express are the official suzuki insurers so definitely worth a look.

Whilst not wanting to moan, please don't think that being Suzuki's official insurer makes Express a good company to deal with...I hope you never have to claim through them El Saxo. I would never recommend them to anyone and would never use them again, even if it was free. Nuff said.

Originally Posted by eviltwin

Whilst not wanting to moan, please don't think that being Suzuki's official insurer makes Express a good company to deal with...I hope you never have to claim through them El Saxo. I would never recommend them to anyone and would never use them again, even if it was free. Nuff said.

Fair point, I've not had to make a claim with them, hope i don't have to make a claim with anyone to be honest!

My experience with them was only really that they were by far the cheapest quote i got after a lot of ringing around and they were happy with any and all mods i declared. I shall tread carefully in the event of a claim, thanks for the heads-up

Think i might try giving them a call then!

Pay all this cash for insurance and some companies provide **** service in the event of a claim and also do everything possible to get out of paying up!!

I'm insured with axa though Swinton. £450 tpft. £500 excess. I'm 18 (but 17 when the policy started.

[timwilky]

I always remember going to see a morris minor in Keithley The owner had done a nice customisation, especially the way he had blended in a Merc front grill. He was obviously a very skilled panel beater. The Ford 2.0 V4 engine was fitted in nicely. However, the owner had omitted to detail the engine and despite there being a jag rear axle, there was standard front suspension/brakes.

The car was on an agreed valuation policy. After my report. his claim was thrown out. Why? he had lost control of the car at speed and side swiped an oncoming vehicle. The engine was too heavy/powerful for the installed suspension/brakes.

These undeclared mods left the owner severely out of pocket. His own fault.

People, you have insurance for your own protection against financial loss. Not just because the law says you must have it. So why risk invalidating it with undeclared mods etc.

His argument, was the car was a work in progress and he had fitted the higher spec engine/gearbox and axle after the policy inception and that he had not realised he needed to declare the extra mods

[northwind]

Originally Posted by Ollie_07

I just tried a quote, and just from adding an exhaust as the only mod, they said unable to quote, please call....

Yeah, don't worry about that, that's just the website restrictions. I'd be pretty distrustful of any website that DOES quote for a modified bike tbh.

Rang Express Insurance and they will cover my bike with mods declared including can for 90quid less than Bennetts, and also a £250 less excess than Bennetts!!

Happy and sad at the same time really as although its a cracking quote, i will get seriously stung if i cancel with bennetts to move across, they want 30quid cancellation charge and 30% of the policy!!!

Basically meaning that 1 months insurance will have cost me £180 ish!! Ouch!!

Im in two minds whether to stay with bennetts for the first year, and try and hold onto some of money, or bite the bullet, switch companies and release that awesome V Twin note with a new can....

the sensible decision is too hold off for a year..... ahhhh!!

Originally Posted by Ollie_07

the sensible decision is too hold off for a year..... ahhhh!!

You have answered your own question!

I guess it all depends on how much cash you have knocking about. Whilst i am sure you can afford to take the hit...would you rather not spend the £'s elsewhere in your life.

My SV had few mods and i had a list of things i wanted to do to it. When i added up the cost it was cheaper to have a sports bike and thats a hell of a lot more bang for your buck!

Of course if you had been thorough in your research/read the documents in the first place you wouldn't be in this situation

Originally Posted by ASM-Forever

Of course if you had been thorough in your research/read the documents in the first place you wouldn't be in this situation