Front end modding and insurance

[Paul]

I told my insurance company, although it's a while back, and they said that they were only interested in modifications to performance, handling and braking. Basically stuff that would increase the risk factor of a claim.

[fazersharp]

Nothing major for me just braided front hose, told them just to be sure and they said they are fine

[darrsi]

See, i don't get some of the things i looked at last time i got insured.
When asked about mods i obviously wanted to declare my exhaust so hit the 'yes' button and then a world of pain popped up.
There was a list so big, and worse still quite a few applied to my bike, so as i knew i wouldn't be using that company anyway i ticked what applied to my bike and it resulted in something like a 120% increase on my eventual premium.
I can understand things like heated grips, because even though they are highly beneficial to all riders, they are of course electrical so a botch job "could" result in problems, but one item on the list that stuck in my mind as an extra to be declared was.......a tank pad??? 
What the foc is that all about?

[midden]

but one item on the list that stuck in my mind as an extra to be declared was.......a tank pad??? 
What the foc is that all about?

desirable item I suppose and fairly easy to steal. I've not mentioned mine, never crossed my mind to, heated grips either

[darrsi]

but one item on the list that stuck in my mind as an extra to be declared was.......a tank pad??? 
What the foc is that all about?

desirable item I suppose and fairly easy to steal. I've not mentioned mine, never crossed my mind to, heated grips either

You wouldn't put an insurance claim in for a stolen tank pad?

[darrsi]

Here's a few from Bennetts:

[darrsi]

I've got the wrong end of the stick here haven't i.
That says "accepted as standard", presumably meaning these are okay to change but no need to declare?


Saying that, i remember when i opened up that drop box it was asking me to tick where applicable.
If they are accepted as standard then why even put them on there in the first place?

[ChristoT]

WTF are you guys on

A motorbike forum, apparently! 

[darrsi]

WTF are you guys on

A motorbike forum, apparently! 

 

[midden]

but one item on the list that stuck in my mind as an extra to be declared was.......a tank pad??? 
What the foc is that all about?

desirable item I suppose and fairly easy to steal. I've not mentioned mine, never crossed my mind to, heated grips either

You wouldn't put an insurance claim in for a stolen tank pad?

oh a sticky pad  not a tank cover for a bag?
I'll have one of what the squirrell is having

[Exupnut]

I am the squirrel.

[tweetytek]

WTF are you guys on

A motorbike forum, apparently! 

 

That's the best  ! I focin could do with the spliff after this thread

[His Dudeness]

WTF are you guys on

[His Dudeness]

Who here remembers Squirrel Head? 

Squirrels are awesome. 

"...Squirrel's are awesome..."


Try telling my mum that.......

 

[tweetytek]

Don't get the joke but superbly delighted to have been the source of amusement. Always glad to help out and just as fukd in the head  more please. Don't give up

[ChristoT]

Don't get the joke but superbly delighted to have been the source of amusement. Always glad to help out and just as fukd in the head  more please. Don't give up

This forum has a long tradition of squirrel jokes. Although, to a certain extent, Exup was the cause of it. 

[tweetytek]

Thanks fellas for the feedback on insurance experiences. Obviously I'm going to declare my mods, never modded before but since dropping the bike I've made changes. Seems a bit if hit n miss as to what the underwriters use to ramp up premiums. Thanks again

[AndyL]

I had two different people from the same company give me very different quotes as a result of extras. The extra in question is the top box for a SR125, one put it down as a modification and doubled the quote. The other list it as an accessory and it didn't affect it.


Insuring the Fazer this week I had a quote go up from £240 to £820 if I listed crash bars. I didn't use them oddly enough.

[NorthWestern]

Shop around is my advice.  At renewal time I mentioned I will be fitting an akropovik silencer.  They said it would bump it up by £200. I switched and the new one charged just £15 more...

[tweetytek]

This is common Andy. And as I lost £8000 due to not declaring., I'm with you... Silly quotes mean I cancel the mod

[AndyL]

The guy that claimed the topbox was a mod that would push the quote up was an idiot and a lady that called me after I did another money supermarket comparison was really friendly and they were much cheaper then anyone else.


He got a bit funny with me when I said it's a second bike and would remove stuff to keep the costs down and as well as the mod also told me carrying a pillion would increase the premium and that if I listed it as being kept on the driveway I couldn't then keep it in a locked shed in the back garden behind a locked gate.

[tweetytek]

Fukers these insurance lot. Its one of those things that the government mandate you have as a condition to drive, but dont actually run the system unlike vehicle road tax, driving licence and so on. Which means private companies can and do, charge what the fuk they want. Ridiculous

[midden]

Fukers these insurance lot. Its one of those things that the government mandate you have as a condition to drive, but dont actually run the system unlike vehicle road tax, driving licence and so on. Which means private companies can and do, charge what the fuk they want. Ridiculous

perhaps a nationalised insurance company for the compulsory elements of policies would be a good idea

[tweetytek]

Fukers these insurance lot. Its one of those things that the government mandate you have as a condition to drive, but dont actually run the system unlike vehicle road tax, driving licence and so on. Which means private companies can and do, charge what the fuk they want. Ridiculous

perhaps a nationalised insurance company for the compulsory elements of policies would be a good idea

Yep. 3rd party minimum.
Start over of those web site petitions. Is sign it. 99,999 to go before parliament debate

[noggythenog]

I'm glad this topic has come up as i've been going nuts about it.


2 mothers days ago i was struggling with what to buy for my mum.......so naturally i decided to buy her a horses head mask..........but they were out of foccin stock .


So then i realised that horses heads arent really what mothers want as a a token of appreciation..............








  ..............Squirrels heads are much more complimentary!












Bloody typical though that stuff is always outta stock......just last year i was planning ahead....it was mothers day again so i thought i need to be kind.........a chewbacca wookie dressing gown should go down a treat .........& they sent her Boba foccin Fett by mistake......absolute bastards!!!!.........so i ended up with it instead.