26-06-12, 01:06 PM
Why would you think if you modify your bike you shouldn't pay extra for it?
[/size]
[/size]Say you buy a £5,000 bike you would expect to pay say [/size]£250. If you then add a [/size]£1,000 or so of extras surely you can expect a [/size]£50 or so increase. Now if this increases your bikes performance or its attractiveness to thieving toe rags its reasonable to expect to pay even more. Say your bike got knocked over in a car park and damaged your £50 heated grips, if you hadn't declared them why should the insurance pay out or not just give you the [/size]£5 cheap rubber ones. What if at the same time your [/size]£400 Zumo GPS was smashed should they pay for that if you hadn't been charge excess premium?
[/size]
[/size]I am not defending insurance companies, as I agree they just take your money and then make every effort to not pay out and I agree with MadDogMcQ, pay as little as you can and hope you don't have to claim.
[/size]
[/size]Say you buy a £5,000 bike you would expect to pay say [/size]£250. If you then add a [/size]£1,000 or so of extras surely you can expect a [/size]£50 or so increase. Now if this increases your bikes performance or its attractiveness to thieving toe rags its reasonable to expect to pay even more. Say your bike got knocked over in a car park and damaged your £50 heated grips, if you hadn't declared them why should the insurance pay out or not just give you the [/size]£5 cheap rubber ones. What if at the same time your [/size]£400 Zumo GPS was smashed should they pay for that if you hadn't been charge excess premium?
[/size]
[/size]I am not defending insurance companies, as I agree they just take your money and then make every effort to not pay out and I agree with MadDogMcQ, pay as little as you can and hope you don't have to claim.