Do slip-on cans affect insurance? - Page 3 - SV650.org

10-01-09, 11:16 AM

Quote:

Originally Posted by sauluk

Policy doc came through today and there's no mods listed, I told them 3 times and everytime they just said anythings fine as long as there's no performance increase. Should I try and get it in writing?

I did - with Carole Nash. She said it was very unusual and that she would need to get help with writing it

TSM · 10-01-09, 06:34 PM

Ive never said to my insurance companies that i dont have an aftermarket can, but when they say 'does it increase power of the bike', i say 'i dont know as ive never had the bike dynoed and it does not increase the top speed of the bike', what ive said is true as ive never dynoed the bike and i cant see the bike being any faster and anyway you should not be braking the speed limit

twist on words

yorkie_chris · 10-01-09, 07:18 PM

Quote:

Originally Posted by Dangerous Dave

this will make your insurance invalid and in the event of a claim leave you with no insurance and operating a vehicle without insurance which is illegal.

Not that simple.

But you should declare mods anyway...

10-01-09, 07:39 PM

Quote:

Originally Posted by yorkie_chris

Not that simple.

But you should declare mods anyway...

I've often wondered what happens if your insurance is declared invalid? (Ive declared everything to try and ensure it doesn't happen to me) Do they still pay out for third party?

10-01-09, 07:41 PM

Quote:

Originally Posted by ArtyLady

I've often wondered what happens if your insurance is declared invalid? (Ive declared everything to try and ensure it doesn't happen to me) Do they still pay out for third party?

Well if you have put a can on and not told them, they could say that the performance was affected, making your crash more likely because the bike was 'faster'.

yorkie_chris · 10-01-09, 07:42 PM

Yes, but then they can sue you to reclaim what they paid out. For that they would have to show that undisclosed mods actually caused the accident though.

Edit: All AFAIK, I'm not a lawyer.

10-01-09, 07:43 PM

Quote:

Originally Posted by Magnum

Well if you have put a can on and not told them, they could say that the performance was affected, making your crash more likely because the bike was 'faster'.

edit just seen YC's post - and that's what I thought.

13-01-09, 06:28 PM

Quote:

Originally Posted by ArtyLady

Do they still pay out for third party?

Do you mean for the third party, if so then no. The third party will have to make the claim through the *can't remember the name of them now but it is a slush fund used for uninsured driver accidents* and they will them make a claim against you to recoup the money.

13-01-09, 07:44 PM

Quote:

Originally Posted by Dangerous Dave

Do you mean for the third party, if so then no. The third party will have to make the claim through the *can't remember the name of them now but it is a slush fund used for uninsured driver accidents* and they will them make a claim against you to recoup the money.

No, the insurance company will ALWAYS pay out for the third party. It is then up to the insurance company whether they claim this cost back from you.

yorkie_chris · 13-01-09, 07:59 PM

Bikesure didn't put my policy up by a penny when I told them about full system, GSXR suspension, "uprated" (ahem) headlights. Cool.

10-01-09, 06:34 PM	#22
TSM The Sick Man Mega Poster Join Date: Nov 2004 Location: Peckham.SE.LDN Posts: 4,768	Re: Do slip-on cans affect insurance? Ive never said to my insurance companies that i dont have an aftermarket can, but when they say 'does it increase power of the bike', i say 'i dont know as ive never had the bike dynoed and it does not increase the top speed of the bike', what ive said is true as ive never dynoed the bike and i cant see the bike being any faster and anyway you should not be braking the speed limit twist on words __________________ OTR: KTM 690 Duke R 2015 Full Akro SIDELINE: Kwak ZX636 A1P 2002, Red, R&G's, Yoshi, Double Bubble Screen GONE: Kwak ZX-7R P1, Full Akro, Undertray, Screen GONE: SV650S K2 Very Bruised & Without Fairing, Motovation Frame Sliders, R&G Ally Sprocket Toe Protector, HEL 2 Line Setup, GSXR K1 600 RWU Forks, Barnett Clutch & Springs, Penske 8981 Shock, Gilles Ti Rearsets, Steel Barends, Scottoiler, AFAM Chain & Sprockets, Twin FIAMM Horns, Skidmarx Bellypan, Full Micron Zeta Steel System, Cut down undertay. Forum Problems & Information / Site Suggestions

10-01-09, 07:42 PM	#26
yorkie_chris Noisy Git Mega Poster Join Date: Apr 2007 Location: Halifax/Leeds Posts: 26,645	Re: Do slip-on cans affect insurance? Yes, but then they can sue you to reclaim what they paid out. For that they would have to show that undisclosed mods actually caused the accident though. Edit: All AFAIK, I'm not a lawyer. __________________ Currently Ex Biker Now rebuilding a 63' fishing trawler as a dive boat Last edited by yorkie_chris; 10-01-09 at 07:45 PM.

13-01-09, 07:59 PM	#30
yorkie_chris Noisy Git Mega Poster Join Date: Apr 2007 Location: Halifax/Leeds Posts: 26,645	Re: Do slip-on cans affect insurance? Bikesure didn't put my policy up by a penny when I told them about full system, GSXR suspension, "uprated" (ahem) headlights. Cool. __________________ Currently Ex Biker Now rebuilding a 63' fishing trawler as a dive boat

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