28-10-15, 03:55 PM
Good. It had got ridiculous. I've been declaring the most trivial of things... downpipes, silencer, heated grips, front mudguard extender etc., despite declaring the bike's total value as less than the excess.
My current cover is from Zenith. When the documentation came through I found the small print insists on their being told of any accident within one hour of the event. Seems like a good get-out clause if you're more concerned about vehicle recovery, injuries, getting to your destination etc., and don't remember to call them in time.
Has anyone else noticed their insurer imposing that sort of condition? (Just wondering if it's an industry-wide thing now.)