09-10-18, 09:58 AM
As for our bikes, I always declare everything I'm aware of - exhausts, top boxes, all the common things.
We use both MCE and H & R insurance. For my modified FJ 1200, because my front forks were not "extended" and because all of my other mods were designed to improve "safety", i.e. enabling the use of more modern, radial tyres, better braking and better handling, they had no impact on the premium (with H & R). Their only comment was that if any of the replacement parts were of a significantly higher value than the stock parts, then that would affect replacement cost and hence the insurance premium. But, currentl, given the cost of OEM parts, such as mudguards, tanks, fairings etc, I doubt most custom/carbon fibre parts would be any more expensive. I can however understand the insurer wanting to know if I'd fitted £6k worth of Ohlins forks and OZ wheels to my old FJ - and increasing my premium to cover for replacing these.
We use both MCE and H & R insurance. For my modified FJ 1200, because my front forks were not "extended" and because all of my other mods were designed to improve "safety", i.e. enabling the use of more modern, radial tyres, better braking and better handling, they had no impact on the premium (with H & R). Their only comment was that if any of the replacement parts were of a significantly higher value than the stock parts, then that would affect replacement cost and hence the insurance premium. But, currentl, given the cost of OEM parts, such as mudguards, tanks, fairings etc, I doubt most custom/carbon fibre parts would be any more expensive. I can however understand the insurer wanting to know if I'd fitted £6k worth of Ohlins forks and OZ wheels to my old FJ - and increasing my premium to cover for replacing these.