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Bikes, Hints'n'Tips => Fazer 1000/FZ1 corner => Topic started by: davey boy on 16 March 2015, 06:37:32 pm

Title: insurance and mods
Post by: davey boy on 16 March 2015, 06:37:32 pm

Hi ihave just started doing some mods to mybike so far scorpian end can fce and k and n air filter got a power commander on oder
When i instaled the slip on i told the insurance and they asked if it was a performance mod i said no untill i had the power commander
What should itell the insurance about the mods i have done and is it going to increase my premium by a lot

Title: Re: insurance and mods
Post by: FuZzBoM on 16 March 2015, 06:59:19 pm

I would say it depends on the insurer. Some seem to penalise more than others.

Personally I have a Gen 1 thou and I told my insurance company it has an after market end can and a K&N and they said it did not affect premium at all.
If they give you a hard time shop around.

I use these guys http://moto-insure.co.uk/ (http://moto-insure.co.uk/)
were recommended by a friend and have been top notch so far.

Title: Re: insurance and mods
Post by: b1k3rdude on 17 March 2015, 09:12:46 pm

+1 to what Fuz said, as long as the value aint silly high then they aint bothered.

but best to declare because -

1. if you get knocked off, you want to recouple the cost of replacements.
2. if its a mod that adds power or is noiser than stock they could play silly buggers if a claim went against you.

Title: Re: insurance and mods
Post by: noggythenog on 18 March 2015, 06:22:27 am

My bike is getting to the stage of being pretty highly modified in the grand scheme of things, cosmetically & to a certain degree technically & im starting to think i should cover myself properly incase of a loss but im not looking for any more money than a stock bike payout.


I wonder then if that is explainable to an insurer.


I fear that im in a world of pain & if someone cant just give me an honest quote for an honest declaration then it'll be back to my old ways & going TPF&T just to be covered on ANPR & in paperwork only.

Title: Re: insurance and mods
Post by: Dave48 on 18 March 2015, 07:30:34 am

Was told by Carole Nash that they werent concerned about any mods that didnt increase performance over standard.
However it is always a wise move to check as most,if not all, insurers stipulate that you MUST notify them of any alterations/changes made since your original declaration. Best cover yourself since they can be a "slippery bunch"! :eek

Title: Re: insurance and mods
Post by: brooker81 on 18 March 2015, 08:14:59 am

My fz1 is completly standard. :D