Insurance - mods

Originally Posted by neio79

Also i think you have to understant the diff between mods and accesories. A lot of people are listing accesories. Mods are things that alter or enhance the bikes performance, such as brake liknes, discs, air filter, PCIII, exhaust etc. things like tail tidys, huggers, scotoilers are accesories.

Be careful with this - every insurance policy (and in fact every quote) I've had in the last 9 years has considered mods - modifications - as anything modified from standard. It's debatable whether you'd consider Suzuki accessories as standard, but certainly if you're going for aftermarket pieces they are considered modified from standard.

In terms of whether they would actually affect the insurance - I agree that non-performance-enhancing modifications tend to not incur a charge, as their only effect is to make the motorcycle more appealing to steal, rather than also affecting performance.

Best thing to do is just give every change to the insurer and let them make up their mind.

Originally Posted by muffles

Be careful with this - every insurance policy (and in fact every quote) I've had in the last 9 years has considered mods - modifications - as anything modified from standard. It's debatable whether you'd consider Suzuki accessories as standard, but certainly if you're going for aftermarket pieces they are considered modified from standard.

In terms of whether they would actually affect the insurance - I agree that non-performance-enhancing modifications tend to not incur a charge, as their only effect is to make the motorcycle more appealing to steal, rather than also affecting performance.

Best thing to do is just give every change to the insurer and let them make up their mind.

good advice, but i would argue with my insurance company that approved Kawasaki accesories are not mods for my bike.

Originally Posted by neio79

good advice, but i would argue with my insurance company that approved Kawasaki accesories are not mods for my bike.

I would argue the same too manufacturer accessories are such a grey area it's worth a go.

[the_lone_wolf]

i can't wait to see what getting insurance is like on the DRZ come spetember...

Modified the airbox to increase flow
Full race exhaust system
Rejetted the carb
Removed PAIR system and air solenoid on the carb that stops the slide lifting 100% in 1st to 3rd gear
Goodridge Stainless brake lines
LED indicators
R&G brake light / plate hanger
Acerbis front fender
Suzuki handguards

...and she's not finished, not by some way yet...

[/quote]23, 1yr NCB, garaged, ~£300 FC is the best so far from quinn direct, but the best thing about it is the excess - only £150! compared to £600-1000 with every other quote so far from confused/moneysupermarket and several other comparison sites. will have to start phoning around to get the quote down sometime soon i spose...[/quote]
i can vouch for quinn direct i also searched the comparison sites and quinn beat them all, aheadof second place by a clear £80 also i too was offered £150 excess. i'm 29, have 1 yrs ncd, parked off-road, 1 claim in 11/06 (slipped out on a sharp bend) 1 claim 07/07 (hit side on by a cager), 1 mod exhaust and for this i was quoted £386 comprehensive.

In the insurance world I think you will find that a mod and an accessory although both different are categorised as the same thing, a non standard part!

Accessory - Manufactures approved product (whats in there accessories catalogue)
Modification - Non approved product (anything that doesn't appear in the catalogue)

Unfortunately I have had to go through all of this when making claims after my two big offs, the above came from the Insurance Ombudsman from the guidelines that an insurance company should be following.

First off, thanks for the responses and I will definitely try MCE, Quinn direct and autonet come monday.

I'm fully trained up on all the mods business as I work for saga and I would agree to the bits above to a point, although Saga consider a modification to be anything added past the date the vehicle is first bought, for cosmetic or other reasons- so if the bike comes new from the dealer with a nitro kit, it's not a mod.

i work for a bike insurance co-we will insure bikes that are modded but parts will only be replaced with o/e parts-same goes for race cans-as long as they say "road legal" ist fine but if it gets bust in a accident-replaced with o/e can only

[northwind]

Originally Posted by Paws

i work for a bike insurance co-we will insure bikes that are modded but parts will only be replaced with o/e parts-same goes for race cans-as long as they say "road legal" ist fine but if it gets bust in a accident-replaced with o/e can only

Which is fine for cans, because very few cost as much as OEM but for wheels, suspension and the like it's not so hot. All depends how modified the bike is.

[yorkie_chris]

Yeah that's all well and good for a standard policy, but what about if you've got some wierd thing, like what I thought about building before seeing the price of exhausts ... cagiva mito frame, powervalve 350 engine, RGV running gear, custom spannies. That would be a strange one...