MY complaint to the financial ombudsman re insurance

[Fazer Jake]

Thought i'd write an email complaining about insurance re mods. 

Dear Sirs,

Recently after renewing my motorcycle insurance i noticed now you must declare any modifications to your motorcycle. It appears insurance companies are severley taking advantage of this.

For example,

An aftermarket exhaust with no power benefits over the standard manufacturers insurance companies think its acceptable to increase the price to 100% more than orginally quoted.
I have also experienced price increases for cosmetic modifications such as heated grips and bellypans which is ridiculous.

This in my eyes is extremely unfair, during renewal we are encouraged to list all modifications with the insurers whether or not they are performance increasing as in the event of a claim, the insurance will be rendered invalid due to not declaring the modifications.

In comparison to car insurance, you could have an after market exhaust fitted by quick-fit this would make no differences what so ever to your insurance premiums, in my eyes this is the exact same as aftermarket motorcycle exhaust which is based on the original manufacturers.

An insurance broker which appears to be taking advantage of this is Express Insurance.

Yours Faithfully,
Jake Bousfield.

Be surprised if i got a reply