05-10-18, 05:25 PM
(05-10-18, 12:49 PM)Triggergee link Wrote: You know when they ask if the bikes got any modifications, to be on the safe side is there a need to tell them about anything and everything, Hell lines, frame sliders that sort of thing and does that tend to increase premiums?
To be honest I put off telling my insurance about anything but the exhaust for 2 years, this year I thought I'd bite the bullet and list most of the mods I could remember and to my surprise the majority don't even matter with Bennetts. Bars, mirrors, levers, grips, bar ends, risers, brake lines, seat cowl, crash bungs, tail tidy, L.E.D lights, radiator cover..... all of it fell under their 'standard' category. The only things I had to declare were exhaust, belly pan and any power mods (which I don't have ??). Anything that could be reversed or is temporary ie pillion peg removal, seat cover didn't need to be declared either.
The only fly in the ointment for them was carbon fibre parts. They wouldn't insure me at all if I had genuine carbon fibre parts ( which I do) but the guy on the phone said that if I don't declare them then in the event of a claim they would just be replaced with standard parts which I'm perfectly happy with.
All in all it didn't actually cost me any extra to declare it all