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Old 25-02-17, 12:02 AM   #31
R1ffR4ff
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Default Re: Motorcycle Insurance 2017?

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Originally Posted by yokohama View Post
Yep. Phone up and declare them all.
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Old 25-02-17, 07:14 AM   #32
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Default Re: Motorcycle Insurance 2017?

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Swings and roundabouts.
You don't want to pay for the fact that your bike has an Akropovic exhaust system but want to be paid out for it if the bike was stolen?
That would be unreasonable and as far as I can tell they work on that principle. Fair enough methinks.
Well no, since I have third party only.
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Old 25-02-17, 07:26 AM   #33
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Default Re: Motorcycle Insurance 2017?

By the same token if I put crash bungs on my bike I should expect a discount on my premium instead of an increase. Generally I have found they will replace said upgrade with oem if claimed. But as we all know any excuse to up the premium and excess. I mean stickers!! why is that a mod?

The biggest difference between the brokers is the support and customer service in event of a claim
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Old 27-02-17, 04:36 PM   #34
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Default Re: Motorcycle Insurance 2017?

Modifications are a bag of worms. I've just tried a few online and comparisons. For third party only I start off around £70 on comparison sites. Add Scottoiler and heated grips and it goes up to £87, exhaust (no performance increase) adds nothing, upgraded shock brings it to £95. However that site wants EVERYTHING declared, so I keep thinking of others I have or might have and it seems an endless list (air filter, hugger, fender extender) Thankfully indicators are standard and no tail tidy. Just remembered gear position indicator.

Starting to think that Bennetts with their list of accepted modifications is going to be the best option.

Any other insurers with that sort of exemption?
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Old 27-02-17, 04:48 PM   #35
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Default Re: Motorcycle Insurance 2017?

Hmm .. interesting qualification on Hastings Direct ...

"The motorbike is the manufacturer's original specification with no modifications that enhance appearance or performance"

Could be interpreted very liberally, either way. I'm sure nobody would claim a Scottoiler enhances appearance, nor heated grips, but "performance" is a very vague concept.
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Old 27-02-17, 05:17 PM   #36
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Default Re: Motorcycle Insurance 2017?

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Any other insurers with that sort of exemption?
http://www.mceinsurance.com/content/...r-mcenews.html
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Old 27-02-17, 05:26 PM   #37
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Default Re: Motorcycle Insurance 2017?

Really?! Do you all declare things like scottoilers and crash bungs? I haven't ever and to be honest some folk wouldn't know what came as standard when buying a secondhand bike. What about when dealers add them to drive a sale?
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Old 27-02-17, 06:35 PM   #38
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Default Re: Motorcycle Insurance 2017?

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Originally Posted by DomP View Post
Really?! Do you all declare things like scottoilers and crash bungs? I haven't ever and to be honest some folk wouldn't know what came as standard when buying a secondhand bike. What about when dealers add them to drive a sale?
Interestingly, crash bungs are not on list of standard modifications for Bennett's - you need to declare them. I have no idea why!
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Old 27-02-17, 06:52 PM   #39
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Default Re: Motorcycle Insurance 2017?

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Really?! Do you all declare things like scottoilers and crash bungs? I haven't ever and to be honest some folk wouldn't know what came as standard when buying a secondhand bike. What about when dealers add them to drive a sale?
Rationally I would say a Scottoiler is an accessory, not a modification, as it can be removed leaving the bike as it was. It's a bag of worms as I say. But one of the insurers I checked specifically had chain oiler and heated grips as options to tick. And you're quite right about secondhand, I only found out that my old bike had a modified air box and non-standard air filter after I'd been riding it for a couple of months.

Regarding Hastings, their policy booklet tells a different story ..
Quote:
you intend to alter your motorcycle from the manufacturer's standard specification.Alterations include optional extras and any changes to bodywork; these include but are
not limited to:
- Changes to the bodywork, such as specialist paintwork or body kits.
- Fairing removal/addition, including lowers, huggers and front mudguards.
- The addition of panniers or trunk.
- Changes affecting performance such as changes to the engine management system or
exhaust system.
Please be aware that this is not a full list of all possible changes. All changes made from the manufacturer’s standard specificationmust be disclosed.
So not just modifications that enhance appearance or performance, unlike the wording on their quote.
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Old 27-02-17, 06:55 PM   #40
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Default Re: Motorcycle Insurance 2017?

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Rationally I would say a Scottoiler is an accessory, not a modification, as it can be removed leaving the bike as it was.
One of the arguments Bennett's have is that if you declare them, they will be covered by the insurance. That does make sense, although it's not clear if you can leave them off and take the risk on yourself.
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