How much information do you tell your insurance company

[PieEater]

I very much doubt that un-declared modifications would invalidate third party cover, but what do I know.....nothing probably.

It will be in your policy documents this is a quote from mine;

"If you intend to alter your motorcycle from the manufacturer's standard specification.
Alterations include optional extras and any changes to bodywork; these include but are
not limited to:
- Changes to the bodywork, such as specialist paintwork or body kits.
- Fairing removal/addition, including lowers, huggers and front mudguards.
- The addition of panniers or trunk.
- Changes affecting performance such as changes to the engine management system or
exhaust system.
Please be aware that this is not a full list of all possible changes. All changes made from the
manufacturer’s standard specification must be disclosed.
Failure to notify us of a modification may result in your policy being cancelled or treated as if it never existed, or in your claim being rejected or not fully paid."

[hambone]

hi all is the front end off an r1 a mod or an Improvement the brakes definitely are. 

[Dudeofrude]

The thing is, who actually owns a 100% standard bike? Everyone changes at least 1 or 2 things just to make it their own.
What I can't understand is the insurance companies want an arm and a leg from me to insure a bike that's fairly custom, yet my old man builds custom trikes from the ground up and they are happy to insure him for around the £150 Mark each year??
His current creation has a custom built frame with a 1700 gold wing engine, earls forks, a vw rear axle and a hand made fibreglass body. It has the headlights, bars and switches from a Harley, a gl1700 tank, a custom seat and rear lights from a landrover.
So it doesn't really get any further from factory spec than that and his insurance is £130 this year yet the same insurance company won't touch me because I have a custom paint job?? Beggars belief !!

[samsfazer]

There is also something about it being a contract of faith or something, which means you are expected to tell them everything.


I am confused about the speed awareness courses as I don't believe they are registered in a central database but I could be wrong.

[Ricky]

Do I have to tell them about the rear hugger as well? Do they need my inside leg measurement  as well lol.

[Dudeofrude]

Do I have to tell them about the rear hugger as well? Do they need my inside leg measurement  as well lol.

Yeah and your dick length, number of sexual partners in the past 6 months, colour of any discharge etc etc also if you've missed any mortgage payments and if you've ever been sold ppi

[robbo]

I doubt if the air in the tyres is original either :lol

[teecee90]

It's all nonsense in my opinion. Unless you've done something drastic like fit a turbo, I wouldn't worry about it. Standard mods like adjustable levers, after market end-cans, huggers, shock upgrades, fork spring upgrades etc aren't going to make you a bigger risk and most insurance companies will either never know or don't care about these type of mods. Thing is, if the insurance company wants to get out of paying then they could probably get you on something if they really want to. A mate of mine has had two bikes recently which he found out had the wrong size tyres fitted. Strictly speaking that is also a modification, but one he knew nothing about until he had the tyres changed. I really wouldn't worry about it.... hopefully the chances of having to claim AND to fight the insurance company for a pay-out are low enough not to have to be too concerned. If it happens to me I'll cross that bridge when I come to it.

[seangee]

I had a bike written off. Since it was declared a cat B and I coudn't buy it back (and I was getting another Fazer) I asked the insurance if I could take back the can, shock, rearsets and a few other bits and bobs which were all undamaged and undeclared. They said fine, as I had not declared them I could do what I liked as long as I replaced them with the OE kit.

[Ricky]

That  is very interesting,  did they not give you any trouble about  not declaring the items? Who was the insurance  company? Never  herd  that before.