Insurance Estimated Mileage

Originally Posted by TamSV

FFS I can't believe people are still going through this certificate crap.

There is no legal definition of what this meaningless document should look like so run something up on a Word document. Bingo! Certificate produced by the installer as requested.

Otherwise try calling again and hope you get put through to someone who knows what they're talking about this time.

Fannies.

I know there is no legal definition, I told the guy and he wasn't having any of it. I also asked what he considered to be proof of restriction. What did he say? He didn't know, he said ask a dealership. I said what if I fitted the restrictor myself - he said get it refitted by an authorised garage and provide proof.

Regardless of whether it is a legal document or not, if you don't have it in the first place, then insurance companies don't have to insure you if they request it before your policy starts..

oh, and FYI; I rang three times, 3 monkeys with no brains answered and told me the same thing. I won't ring them again.

Originally Posted by Nutsinatin

This is what Suzuki give out, I was with wicked quotes and they didn't ask for proof, my friend was with Just Motorcycle Insurance and they didn't either.

Thank you very much. I'll take this template to my local garage and ask him to check the restrictor then sign it. Cheers



I think I'm going with just motorcycle insurance, as I put the restrictor under 'modifications' and it didn't make a difference to the premium - When I'm done with this I'll let you know how it goes

Originally Posted by Strleech

I said what if I fitted the restrictor myself - he said get it refitted by an authorised garage and provide proof.

I hope you asked him to define authorised garage, since that is more made up nonsense.

If this is how they are acting when you are trying to give them £600 then I'd seriously think twice about insuring my self with them.

Originally Posted by SvNewbie

I hope you asked him to define authorised garage, since that is more made up nonsense.

If this is how they are acting when you are trying to give them £600 then I'd seriously think twice about insuring my self with them.

Yep, not going to bother with them now - they seem to be talking a load of crap. Going to pay a bit more and go with somebody else I think

I got my SV when I was 20, TPFT was £350 a year (or somewhere around that). If I did the insurance through gocompare and other such sites, as soon as you put any 'modification' on, just like you've said, it throws the insurance right up. But if you speak to them they'll just say sure, no problem. I don't think fully comp is worth it in your situation.

Also, there was another post on using the ECU restrictor. You don't need any certificate whatsoever! It just people ripping you off. If you need to claim they may ask you to prove it's restricted. So then after that you could get a dyno (if the bikes not too broke!) or show them the ECU which can be proven to be restricted.
Check this:
http://www.motorcyclenews.com/news/2...icate-rip-off/

Oh and you should also consider telling them about modifications like aftermarket exhausts, which you are actually meant to mention - even if they have no performance increase. But then you could not tell them, save a few hundred pounds and hope they don't pick up on it if you need to claim, which is what I've done.

Someone else mentioned about your excess which is no doubt really high, so if you had to claim for say a £2k bike, pay £500+ excess just to get a few hundred pounds worth of repairs, it's just not worth it. Whilst insurance is unreasonably high for you at the moment, I personally think it's best just to go for cheapest.

[PyroUK]

A lot of companies won't count up to a certain number of non performance mods anyway. With exhausts I'd be tempted to say better to declare than not. Whilst they are expensive to buy, they aren't as expensive to replace a standard exhaust which they could do if not declared. Of course this only applies to FC.

I had to claim off a third party and they paid for everything declared or not, as their liability is to repair or replace what's been broken by their client.

Alright, I said I'd post here once I found a solution. I went with 'just motorcycle insurance' in the end, I declared the restrictor but they haven't said anything about sending proof so that's all good. TPF&T cost me £650 in the end. I put down 5K miles to be sure.

I'm actually thinking I should have put down 10k, after my first ride yesterday and second today, I put nearly 200 miles on the bike, and I don't want to get off it!

Anyway, thank you all for contributing to this thread, I appreciate it

[Tomor]

Did you ask how much it was for fully comp? Sometimes it is not a lot more. Mine was actually cheaper!!

Sent from my magical portable device

Originally Posted by Tomor

Did you ask how much it was for fully comp? Sometimes it is not a lot more. Mine was actually cheaper!!

Sent from my magical portable device

Fully comp came to just over £1k as I pay monthly - I believe my age is the main factor as to why my insurance premiums are quite high. I have friends who have just gotten their full license at age 24, having never ridden a bike before. But because they are 5 years older, their premiums are a few hundred cheaper!