You know when they ask if the bikes got any modifications, to be on the safe side is there a need to tell them about anything and everything, Hell lines, frame sliders that sort of thing and does that tend to increase premiums?
Do you tell them its been Ivanised???
Talking about Ivanising. If you have a more modern bike and it’s been re-chipped or flashed, I’d tell them.Loads of folks at my work with re-chipped, flashed cars. None of em tell their insurance. But really, you have a serious accident and ………………………I mean how hard can it be to check a car or bikes software? I’m far from convinced that insurance companies and their inspectors are thick.
I always declare my exhaust, but specify it's not some sort of mega power booster, it's just not the original.
Quote from: darrsi on 06 October 2018, 09:54:30 amI always declare my exhaust, but specify it's not some sort of mega power booster, it's just not the original.how many car insurers ask the same thing? All of them do but how many people tell their insurance company that they replaced the back box of their exhaust with one from quick-shit? None. As it makes no real difference just like on a bike it makes no real difference but on bikes we get shafted for it.
We've just had a terrible time with Admiral over our car insurances - the tiniest tip of the iceberg being that when he renewed his insurance with them, No one realised we he had to tell them that he had changed jobs (and they never asked) - even though he worked in the same office at the same building (he'd gone from being a Customer Service Agent, to being a Copywriter). When someone ran into his parked car and he notified Admiral, they asked him what his job was and he simply told the truth "I'm a copy writer". A short while later, we get a note from Admiral saying that because he failed to declare his change of job, which could have invalidated his insurance, they were issuing a penalty charge and increasing his premium - because according to Admiral's risk data, which is commercially confidential so they can't give out any details - a Copywriter is a higher risk job for car insurance than a Customer Service Agent. We have had a lot of other issues with these people - such as not telling us that standard insurance cover doesn't include for commuting to work - you have to specify that you're going to use your car for commuting FFS !! It seems like every question the ask and that every bit of information they don't tell you when giving you a quote, is designed to give them an excuse to refuse any claim you make.The other minor issue we had is that when my car was damaged (which I use for work as I'm self employed) and Admiral arranged the repairs, they provided a courtesy car, as expected. Now, I drive a Volvo V70 for a reason - I drive long distances, carry lots of baggage and usually have passengers (sometime scustomers) - and I had specifically requested cover to include for my business use. Imagine my surprise when my "business use" courtesy car turned out to be a Smart car. Admiral refused to accept that this unacceptable and told me that a courtesy car was ther to enable me to go about my daily life - I asked what that included and they said, getting to work, doing the shopping etc. They would not accept that their courtesy vehicle should allow me to carry on my daily business - and they wouldn't budge, not one inch. When I told them I had specifically requested business cover and identified I used my V70 for business, they said that was irrelevant, business cover only meant that I was covered legally in case of an issue. Luckily, the repair garage understood my situation and gave me a 5 door Astra which at least meant I could carry my luggage and the 2 (large/overweight) passengers I was taking with me on a 500 mile round-trip.Needless to say, we will never use Admiral again and generally advise any of our family/friends to avoid them like the plague.