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Old 17-05-13, 02:24 PM   #1
stuR
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Default Best insurers for mods?

Ive started to look at insurance prices for my gsxr600 that ill be able to ride come august and im struggling to find an insurer to cover me for all my mods. I can get insured for around £600 (which is less than i had anticipated) if i list these mods:
Braided Hose
Exhaust - No performance increase
Upgraded Air Filter
Change of Rear Sets
Heated Grips

However, the bike also has a rear seat cowl which takes the insurance to £1900?!?!

And to top it all off if i list that it has an aftermarket paintjob im uninsurable, at least of go compare anyway. So anyone have any companies that may be able to sort me out cover for the whole bike, or shall i just pretend i dont have the paintjob n seat cowl? Cheerrrs
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Old 17-05-13, 02:49 PM   #2
Pricey12
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Default Re: Best insurers for mods?

That's the most expensive seat cowl in the world
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Old 17-05-13, 02:57 PM   #3
Beetrootkiller
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Default Best insurers for mods?

http://www.mceinsurance.com/

Their homepage says they guarentee to insure and bike any modification any age.

Worth a shot?

Also http://www.thebikeinsurer.co.uk/ say they guarantee to beat any quote so they may be worth a call afterwards

Good luck
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Old 17-05-13, 03:11 PM   #4
stuR
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Default Re: Best insurers for mods?

Yer the £590 quote is with mce. Whats everyones thoughts on just not disclosing the paintwork and cowl? the bike comes with a cowl as standard so really im guessing that isnt a mod anyway?
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Old 17-05-13, 03:35 PM   #5
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Default Re: Best insurers for mods?

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Originally Posted by Beetrootkiller View Post
http://www.mceinsurance.com/

Their homepage says they guarentee to insure and bike any modification any age.

Worth a shot?

Also http://www.thebikeinsurer.co.uk/ say they guarantee to beat any quote so they may be worth a call afterwards

Good luck
I would not touch MCE with a barge pole. Search here (and any UK motorcycle forum) about their antics

I've had no issues declaring mods with Swintons (not the best neither) but with the insurance, only declare items that will give a performance gain over stock (IIRC 5% above the manufacturers stated BHP). Most insurers will only take note of Supension changes (if their significant) exhausts and custom bodywork.
Braided hoses are a replacement part (its common practice to' as OEM hoses cost silly money) and don't affect the performance*.

Cowls would normally be a noted addition (if they even list it!)


*To be really anal about it they're a safety improvement technically as the brakes act with less force needing to be applied
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Old 17-05-13, 03:38 PM   #6
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Default Re: Best insurers for mods?

Unfortunately i dont seem to have much choice as theres no way im paying over £1000! Its just silly money. Would i be risking a payout by not declaring a paint job? I have a complete set of standard fairings i could put on but i see no reason why the bodywork should increase insurance if it hasnt increased value?
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Old 17-05-13, 03:43 PM   #7
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Default Re: Best insurers for mods?

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Originally Posted by stuR View Post
Unfortunately i dont seem to have much choice as theres no way im paying over £1000! Its just silly money. Would i be risking a payout by not declaring a paint job? I have a complete set of standard fairings i could put on but i see no reason why the bodywork should increase insurance if it hasnt increased value?
Sadly does as its not a stock part.
Ring an insurer and get them to do the quote as it was with standard and one with the custom bodywork.

Carole Nash are really good with that, did it when i looked at a few upgrade options on the SV
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Old 17-05-13, 03:44 PM   #8
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Default Re: Best insurers for mods?

I had the same problem as mentioned in another thread.. crash bungs, stickers, screen, cowl and breathing on it counts as a mod.

Pretty much 2+ mods ended up adding a fair bit to the premium. I went with carole nash but on these things its worth while calling up and they will speak to an underwriter to get you a competitive quote
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Old 17-05-13, 04:00 PM   #9
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Default Re: Best insurers for mods?

Cheers, got some options now for nearer the time.
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Old 17-05-13, 04:15 PM   #10
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Default Re: Best insurers for mods?

Carole Nash!!!
With all my mods declared. Price stayed the same as with out
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