insurance and mods

[davey boy]

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

[FuZzBoM]

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/
were recommended by a friend and have been top notch so far.

[b1k3rdude]

+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.

[noggythenog]

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.

[Dave48]

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"!

[brooker81]

My fz1 is completly standard.