Bennetts bike insurance (red star)wont cover exhausts!!!!!! - SV650.org

20-06-05, 11:37 PM

as the title says i have just brought an akrapovic full system which will not increase my power at all because i have a restricted ecu but bennetts (red star) insurance wont cover u for any kind of exhaust mod!!!!!!!!!!!

how crazy it that a big bike insurance company won't cover after market exhausts

weather on full or restricted licence.

BillyC · 21-06-05, 08:22 AM

You say this like you're surprised!

Did you not check with your insurance company first? It won't be down to Bennetts to decide, it will be down to the underwriter (Redstar). Now that you already have insurance, the terms are fixed, and you cannot just start changing things that would have otherwise required a new underwriter.

Quote:

Originally Posted by hall13uk

akrapovic full system which will not increase my power at all because i have a restricted ecu but bennetts

And this... you say this like you believe it! Why do you think Akropovic make a full exhaust system if it weren't going to be better than the original? Because it provides performance gains! Just because your bike is restricted, doesn't mean you won't get a few more ponies out of it!

If you're really worried, then put it back in the box until it's time to renew, and then have a hunt around for a company that'll cover it (Carole Nash are the best bet). You will need to do some considerable dismantling of the bike to fit the full system anyway.

21-06-05, 08:39 AM

Quote:

Originally Posted by BillyC

You say this like you're surprised!

Did you not check with your insurance company first? It won't be down to Bennetts to decide, it will be down to the underwriter (Redstar). Now that you already have insurance, the terms are fixed, and you cannot just start changing things that would have otherwise required a new underwriter.

Quote:

Originally Posted by hall13uk

akrapovic full system which will not increase my power at all because i have a restricted ecu but bennetts

And this... you say this like you believe it! Why do you think Akropovic make a full exhaust system if it weren't going to be better than the original? Because it provides performance gains! Just because your bike is restricted, doesn't mean you won't get a few more ponies out of it!

If you're really worried, then put it back in the box until it's time to renew, and then have a hunt around for a company that'll cover it (Carole Nash are the best bet). You will need to do some considerable dismantling of the bike to fit the full system anyway.

yes i am surprised cos i offered to take out a new policy or pay extra but they still would not do it red star just dont cover aftermarket exhausts

BillyC · 21-06-05, 08:51 AM

Most companies don't, and will never touch a modified vehicle. Most brokers (such as Bennetts) will also want to avoid the technical argument, and just won't want to quote you.

Go to Carole Nash if you're desperate; they list companies that will cover these things, as they understand that this is a fact of biking life.

Alternatively do what just about every "canned" biker in the uk does - fit it, and just don't tell the insurance company. It is thought that a company would have a hard time wriggling out of a claim just because your exhaust was a little loud.

21-06-05, 08:55 AM

Lesson learned. Always check BEFORE buying performance parts.

Even though you have a restricted ECU the exhaust is still deemed a performance part, plus it increases the bikes appeal to thieves.

If the underwriter chooses not to insure the pipe that's their business.

21-06-05, 10:28 AM

yep, i'm with red star thru bennetts

As i'm 3rd party it really doesn't matter anyway, rene's are not declared

21-06-05, 01:34 PM

Quote:

Originally Posted by Iansv

yep, i'm with red star thru bennetts

As i'm 3rd party it really doesn't matter anyway, rene's are not declared

i am 3rd party as well

21-06-05, 01:43 PM

I'll take the system off your hands for a tenna......

21-06-05, 01:52 PM

Quote:

Originally Posted by Sudoxe

I'll take the system off your hands for a tenna......

ermmm no!

nice try i only have just under 2months till my insurance expires anyway

22-06-05, 10:50 PM

We talking about Lloyd's Equity Red Star here?

I have 3rd Party Fire and Theft with them , and got a Rene Exhaust , which I told RoadSure ( the Broker I used ) about - they said as long as it was road legal it was fine with Red Star. :P

That said , I'm not going to phone them back now to confirm!

20-06-05, 11:37 PM	#1
hall13uk Guest Posts: n/a	Bennetts bike insurance (red star)wont cover exhausts!!!!!! as the title says i have just brought an akrapovic full system which will not increase my power at all because i have a restricted ecu but bennetts (red star) insurance wont cover u for any kind of exhaust mod!!!!!!!!!!! how crazy it that a big bike insurance company won't cover after market exhausts weather on full or restricted licence.

21-06-05, 08:51 AM	#4
BillyC Moderator Mega Poster Join Date: Nov 2003 Location: The exiles of Kent Posts: 2,184	Most companies don't, and will never touch a modified vehicle. Most brokers (such as Bennetts) will also want to avoid the technical argument, and just won't want to quote you. Go to Carole Nash if you're desperate; they list companies that will cover these things, as they understand that this is a fact of biking life. Alternatively do what just about every "canned" biker in the uk does - fit it, and just don't tell the insurance company. It is thought that a company would have a hard time wriggling out of a claim just because your exhaust was a little loud. __________________ SV650 K3 - Gone. Now a member of the SV650.org Kawasaki brigade!

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21-06-05, 08:55 AM	#5
Muttley Guest Posts: n/a	Lesson learned. Always check BEFORE buying performance parts. Even though you have a restricted ECU the exhaust is still deemed a performance part, plus it increases the bikes appeal to thieves. If the underwriter chooses not to insure the pipe that's their business.

21-06-05, 10:28 AM	#6
Iansv Guest Posts: n/a	yep, i'm with red star thru bennetts As i'm 3rd party it really doesn't matter anyway, rene's are not declared

21-06-05, 01:43 PM	#8
Sudoxe Guest Posts: n/a	I'll take the system off your hands for a tenna......

22-06-05, 10:50 PM	#10
enzyme Guest Posts: n/a	We talking about Lloyd's Equity Red Star here? I have 3rd Party Fire and Theft with them , and got a Rene Exhaust , which I told RoadSure ( the Broker I used ) about - they said as long as it was road legal it was fine with Red Star. :P That said , I'm not going to phone them back now to confirm!