26-05-21, 11:13 PM
I have had some bikes with a lot of mods over the years and I have learned the hard way that you are wasting your time trying to explain mods to your average insurance call centre gibbon. What I do these days is get my quotes from the comparison sites, pick the cheapest two or three for the levels of cover you want. Then email them a list of mods and ask them if they can still do the same price. Otherwise you end up trying to explain why you would change a perfectly good standard clutch for a slipper clutch or the benefits of carbon wheels for hours to someone that doesnt really understand or care and just wants to tick boxes and get commission.
Back in the day (2006 ish) I had a crash on a heavily modified fireblade which went to insurance. I wanted to buy the bike back because the bits on it (undeclared) probably doubled the value of the bike. The insuance assessor didnt give a monkeys about any non standard parts all he was interested in was if any of the damage would have made the standard bike uneconomical to repair. He decided that a tiny scuff on the swinging arm would qualify it as a write off and was happy to get me a payout and let me buy the bike back for next to nothing.
Back in the day (2006 ish) I had a crash on a heavily modified fireblade which went to insurance. I wanted to buy the bike back because the bits on it (undeclared) probably doubled the value of the bike. The insuance assessor didnt give a monkeys about any non standard parts all he was interested in was if any of the damage would have made the standard bike uneconomical to repair. He decided that a tiny scuff on the swinging arm would qualify it as a write off and was happy to get me a payout and let me buy the bike back for next to nothing.