Bennets

[Gordo]

When did this latest farce start? If it`s after July when my bike was insured by Bennets, sureley it doesn`t apply to my bike?
Heated grips, Viper can, hugger, wavy discs (3), tank pad, Givi rack and pannier frames, billet adjustable levers, tyre stripes, different tyres!!

Ray.(Er.... I mean Fred)

Did you tell the insurer (or broker) about them when you took out the policy? If you did, then no problem. If you didn't, you might find yourself in difficulties if you need to make a claim.

Insurance works on the principle of "utmost good faith": i.e. you tell the insurers exactly what you want to insure, and the insurer will write a policy to cover what you told them. If you deliberately don't tell them something, then they are within their rights to cancel the policy or avoid the claim.

Most accessories or modifications have little or no effect on the premium - my insurer has covered all the accessories and mods to my bike, on a full replacement value basis, for no extra premium. All the accessories and the declared value are shown in my paperwork - if it's there, it's insured, if it isn't, it isn't.