Here's an interesting and refreshing approach from MCE insurance with regards to modifications -
Policy Update:
We are writing to remind you of MCE’s unique approach to modifications.
MCE understands that many bikers like to change, improve and generally tinker with the look and feel of their bike. Our approach is to accept the majority of these modifications without any need for you to tell us.
In the event of a claim, what we will do is simply replace parts back to the manufacturers standard or value your motorcycle as if it was a manufacture standard machine. To avoid any confusion we have made some changes to our terms and conditions in relation to modifications to your vehicle.
Your current terms and conditions state that you must notify us of any modifications you make to your vehicle. From the date of this communication, our terms and conditions are changing as follows:
Cover will not be provided if the modification involves the fitting of a Turbocharger, Supercharger, Nitrous Oxide or the frame of Your Motorcycle is being modified in any way.
Cover will be provided for any other modification and there is no longer a requirement to notify us of these changes.
Where modifications have been made, we will only value your motorcycle, or pay the cost of replacing parts or equipment needed, using the manufacturer’s standard specification.
If you wish to talk about these changes, then as always the friendly team at MCE are on hand to talk. You can email, go to our website and live chat or simply call us on 0870 4207 509