04-07-13, 05:11 PM
Depends what you are claiming for, they definitely won't cover the cost of your extras or mods if you don't declare them.
I seem to remember (but I might be wrong) that they can not fail to pay out unless they can prove the aftermarket/performance mod caused the accident, but they will only pay for standard parts.
Adding desirable stuff to your bike like Ohlins etc makes it more attractive to tea leaves so more likely to get nicked (premium goes up)
If you don't declare extras like hard luggage why should they pay out for it if damaged or stolen. My Givi/SW Motech setup would cost around £750 to replace, so if I want to claim for it I feel it is only fair to declare it and pay additional premium.
I have to add that I hate the thieving robbing bastards who will do everything in their power not to pay out or to delay things by making stupid low offers. Thats why I like my Fazer, it worth around 3 grand and if I break it or it is stolen I would just go and buy another and F$*k the insurance twats.
I seem to remember (but I might be wrong) that they can not fail to pay out unless they can prove the aftermarket/performance mod caused the accident, but they will only pay for standard parts.
Adding desirable stuff to your bike like Ohlins etc makes it more attractive to tea leaves so more likely to get nicked (premium goes up)
If you don't declare extras like hard luggage why should they pay out for it if damaged or stolen. My Givi/SW Motech setup would cost around £750 to replace, so if I want to claim for it I feel it is only fair to declare it and pay additional premium.
I have to add that I hate the thieving robbing bastards who will do everything in their power not to pay out or to delay things by making stupid low offers. Thats why I like my Fazer, it worth around 3 grand and if I break it or it is stolen I would just go and buy another and F$*k the insurance twats.