Front end modding and insurance

[noggythenog]

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.