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+--- Thread: Front end modding and insurance (/showthread.php?tid=70652)
Re: Front end modding and insurance - ChristoT - 18-10-14
(18-10-14, 01:38 PM)tweetytek link Wrote: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 :thumbup :thumbup 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. :lol
Re: Front end modding and insurance - MC680x0 - 18-10-14
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
Re: Front end modding and insurance - AndyL - 18-10-14
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.
Re: Front end modding and insurance - NorthWestern - 18-10-14
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...
Re: Front end modding and insurance - MC680x0 - 18-10-14
This is common Andy. And as I lost £8000 due to not declaring., I'm with you... Silly quotes mean I cancel the mod
Re: Front end modding and insurance - AndyL - 18-10-14
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.
Re: Front end modding and insurance - MC680x0 - 18-10-14
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
Re: Front end modding and insurance - midden - 18-10-14
(18-10-14, 09:15 PM)tweetytek link Wrote: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
Re: Front end modding and insurance - MC680x0 - 18-10-14
(18-10-14, 09:37 PM)midden link Wrote:[quote author=tweetytek link=topic=15054.msg170590#msg170590 date=1413663310]
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
[/quote]
Yep. 3rd party minimum.
Start over of those web site petitions. Is sign it. 99,999 to go before parliament debate
Re: Front end modding and insurance - noggythenog - 18-10-14
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 :groan .
So then i realised that horses heads arent really what mothers want as a a token of appreciation..............
:think ..............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. :b
Re: Front end modding and insurance - Paulfzs - 19-10-14
(17-10-14, 09:56 PM)tweetytek link Wrote:Perception is everything.
So you don't have a useful comment then.
Anyone else
Oh the irony.
Re: Front end modding and insurance - MC680x0 - 19-10-14
Another focin useless post. Well that increases your post count by 1 paul so your well on your way to being a GP hero. Nice 1 :thumbup
Re: Front end modding and insurance - MC680x0 - 19-10-14
Bored now. Unnotified. Carry on !
Re: Front end modding and insurance - richfzs - 19-10-14
Oh I'm sorry, Mr tweetypie, was that 2 posts where one would have done? And you're having a dig at Paul for increasing his post count?
Oh kettle, this is pot calling...
Re: Front end modding and insurance - Exupnut - 19-10-14
http://youtu.be/mYhNljS5Sug
Re: Front end modding and insurance - darrsi - 19-10-14
(18-10-14, 09:13 PM)AndyL link Wrote: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.
Had to phone my insurance people last time to ask them something (i prefer to avoid phone conversation, 'cos they annoy me) and found out i wasn't insured to ride other bikes, for a second year!
It's not really a big deal, but it's something i've always been allowed to do with every other policy. My brother used to try out bikes quite often and would always let me have a go too in the past, but he's not around now so although it's not an issue as such, it's something i would've preferred to have with my cover.
But i s'pose if it keeps my premium down then i can't really complain.
I will try and get it next time though.
Re: Front end modding and insurance - noggythenog - 19-10-14
I suppose it depends on why you have insurance......& how much the bike is worth.....& whether you can get by without it.
I don't have insurance because I want to be able to claim back its value if I have an accident. The only reason I have insurance is that it is the law to have it.....so I go TPF&T....£100 of tolls to enable me to get out and enjoy the roads on the bike, but my bike is for fun and only worth a few grand. If I lost it tomorrow then I'd still get by as I have a car to get to work...it isn't like pet insurance whereby I'd be devastated if I couldn't afford to keep my pet alive so I see that as worthwhile....but a bike's a bike..so do I need to declare any mods....well I suppose I should but it isn't high on priority list of things to do. I pay my £100 to stop me popping up on ANPR and I crack on and it's the risk I take....Insurance is all just 1 big gambling game. When I crashed my 600 the other vehicle left the scene and I was TPF&T....shit happens but It's also a personal thing....for me personally if my bike was worth 5k then that'd be a different kettle of fish and I'd be going more in depth....8k definitely.
I also believe that bike insurance should be quite a bit cheaper than car insurance because lets face it most decent crashes on a bike and your focced and you cant claim back the cost of your bike when you're 6 foot under anyway and would you want another bike when you cant use the majority of your limbs...it's only really useful most of the time for small scale falls and bumps...always exceptions of course...again the risk you take on the big insurance gamble.
Re: Front end modding and insurance - fazersharp - 19-10-14
May be there should be another cat of insurance tpft + a fully comp add-on but caped to whatever you want/ feel is a trade off between a write off crash and what you can afford to loose together with waht you save in insurance, -------------------or is this just burtons best "water" talking
Although from a low base I have just got my insurance quote and it as gone up by 60%---------and yet I dont rember crashing or being nicked for speeding, talking on the phone or combing my hair in the mirror or putting lippy on or reading the newspaper or eating an apple
Re: Front end modding and insurance - midden - 20-10-14
(19-10-14, 07:30 AM)Exupnut link Wrote: http://youtu.be/mYhNljS5Sug
http://youtu.be/DZ8JWQMH6QM
Re: Front end modding and insurance - midden - 20-10-14
(19-10-14, 07:34 PM)noggythenog link Wrote: I suppose it depends on why you have insurance......& how much the bike is worth.....& whether you can get by without it.With this write up Noggy I have high hopes of you being awarded todays tweetytek seal of approval
I don't have insurance because I want to be able to claim back its value if I have an accident. The only reason I have insurance is that it is the law to have it.....so I go TPF&T....£100 of tolls to enable me to get out and enjoy the roads on the bike, but my bike is for fun and only worth a few grand. If I lost it tomorrow then I'd still get by as I have a car to get to work...it isn't like pet insurance whereby I'd be devastated if I couldn't afford to keep my pet alive so I see that as worthwhile....but a bike's a bike..so do I need to declare any mods....well I suppose I should but it isn't high on priority list of things to do. I pay my £100 to stop me popping up on ANPR and I crack on and it's the risk I take....Insurance is all just 1 big gambling game. When I crashed my 600 the other vehicle left the scene and I was TPF&T....shit happens but It's also a personal thing....for me personally if my bike was worth 5k then that'd be a different kettle of fish and I'd be going more in depth....8k definitely.
I also believe that bike insurance should be quite a bit cheaper than car insurance because lets face it most decent crashes on a bike and your focced and you cant claim back the cost of your bike when you're 6 foot under anyway and would you want another bike when you cant use the majority of your limbs...it's only really useful most of the time for small scale falls and bumps...always exceptions of course...again the risk you take on the big insurance gamble.
Dazza you're still Fired