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 Post subject: Mods to bike - telling the insurance company?
PostPosted: Fri Aug 12, 2016 10:58 am 
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50 cc

Joined: Sun Aug 07, 2016 4:08 pm
Posts: 3
Hello All,

As a back to biking TRF newbie I have what is probably a very basic question.

I am about to add a bash plate and rear rack to my CRF250L. Do I need to tell the insurance company? In the unhappy event of having to make a claim, I wouldn't want them to avoid paying out by claiming that the bike had been "modified", albeit in a way that has no impact on performance.

Thanks for any thoughts.


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Fri Aug 12, 2016 3:03 pm 
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400 cc

Joined: Tue Dec 27, 2011 10:50 pm
Posts: 1122
Location: Yorkshire
I wouldn't worry & lose any sleep over it

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2003 Honda XR400R3
1996 Suzuki DR350SE


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Fri Aug 12, 2016 5:27 pm 
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300 cc

Joined: Sat May 16, 2009 11:38 pm
Posts: 514
Don't tell 'im Pike!! ;)


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Sat Aug 13, 2016 7:46 am 
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650 cc Monster

Joined: Sat Jul 17, 2010 12:54 pm
Posts: 1950
Location: Poynton
The rules on insurance have changed over the years so it is not such a grey area as in the past.

The good insurance companies would say thank you for advising us, there are not performance related therefore your premium will not be affected.

The not so good companies would say:
1. This affects the value of the bike and we will deduct an amount from any claim as you have undervalued the bike.
2. The bashplate is a performance addition and therefore you have violated your insurance by not informing us.


By asking the question you are aware that it is potential issue so why not come clean and tell them?
Is it worth the risk or not doing so?

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Peter
2001 DRZ 400E - 2010 to 2012
2009 KTM 400EXC - 2012 to


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Sat Aug 13, 2016 11:34 am 
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80 cc
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Joined: Wed Jun 22, 2016 4:26 am
Posts: 18
Insurers don't trust the public...but neither do i trust insurers, total list of mods on my 07 Aprilia SX50 motard include:

Aprilia RX50 front forks
Aprilia RX50 enduro 21"/18" wheels
Continental TKC 80 Twinduro tires
Aprilia RX50 digital instrument/speedometer
Aprilia RX50 side stand
14 tooth front sprocket
Conti CHR adjustable rear shock absorber
EBC Double H sintered brake pads
Top Racing brake claiper pistons
Airhawk 2 seat cushion
Pro Taper Contour handlebars
Prat Navigation handlebar mount
Suzuki DRZ400 mirrors
Domino 1/4 throttle
Foam handlebar grips
Polini foam front brake lever grip
Pro Grip rubber clutch lever grip
RSC Stunt clutch perch/lever
Acerbis rear fender tool bag
Acerbis neoprene front fork leg/seal covers
Aluminium skid/sump plate
Polisport KTM 125 SX front fender
Polisport Halo headlamp unit
D.R bike front indicators/flush mount rear indicators
Smaller size 9x6.5 licence plate
Barkbusters VPS/Storm handguards with bar end weights
MVT Millenium ignition/flywheel/cdi (french made for reliability's sake)
TNT tuning flywheel cover
Airsal 78.5cc cylinder kit
Doppler Endurance crank
SKF brand crank & gearbox bearings
Polini CP 17.5mm carburetor
34mm adapter for the original Airbox
Malossi MHR reinforced clutch springs
2 stroke oil injector pump removal blanking plate
Yasuni exhaust
Halfords VHT paint on exhaust chamber
Universal mx exhaust guard

Total price of modifications so far..."CHUFFIN NORA!!!" lost count tbh' i don't inform them about of any of these mods, i value this...supposedly "28 mph 49cc teenagers moped" on the insurance document @£50 & always use third party only cover.


Last edited by Steve McQueen on Thu Sep 08, 2016 3:58 pm, edited 2 times in total.

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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Sat Aug 13, 2016 11:35 am 
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650 cc Monster

Joined: Sun Nov 11, 2012 7:31 pm
Posts: 3512
Don't sweat it...


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Sun Aug 14, 2016 6:38 pm 
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80 cc

Joined: Sat Jul 02, 2016 3:52 pm
Posts: 29
Location: North east, Yarm
Just my own experience,

But I told my insurer about renthal fat bars I had fitted (mainly because the caught me off guard on the phone).

My bike was stolen and when I tried to claim the lists of things they wanted to check was ridiculous essentially amount to a sorry about your bike but we aren't really wanting to pay:

current employer contract
medical history (doctor reference)
MOT
Service records
receipts for security extras (chains, disk lock)
police report
mileage verification
tax confirmation
current V5
TWO keys
latest photos of bike preferably dated

that list isn't all of it either....

basically I think they were trying to dodge regardless, but luckily for me I managed to recover the bike however its just another headache to overcome when trying to claim.

my insurance company were obviously terrible I'm back with MCE they have always been great... I wont use motorcycle direct again.

they did not charge me anything extra for mentioning modifications

personally I mention it now as I don't think it makes a difference to price, but it will if its pinched or crashed...

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Riding since 2002, Fully licensed since 2009. Current bike 2002 XR650R


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Mon Aug 15, 2016 7:54 am 
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400 cc

Joined: Tue Dec 27, 2011 10:50 pm
Posts: 1122
Location: Yorkshire
Why do they want a doctor's certificate for a stolen bike ??

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2003 Honda XR400R3
1996 Suzuki DR350SE


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 Post subject: Re: Mods to bike - telling the insurance company?
PostPosted: Mon Aug 15, 2016 1:53 pm 
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300 cc
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Joined: Wed Nov 02, 2011 12:39 pm
Posts: 574
Location: Herts / Beds / Bucks
My insurance brokers* who cater specifically for the trials/enduro market, allowed non performance modifications up to £1000 worth on my EXC, I just about managed to scrape in:

Navigation tower - £80
Led lights - £60
Road book plate - £70
Road book holder - £250
ICO trip meter - £260
Rally fairing - £200
Bash Plate - £80

Total - £1000

Needless to say that doesn't include, wiring and electrical components, making the fairing mounts, having the fairing painted etc most of which I did myself or a mate did for free (the painting) but at least they'll replace most of the expensive items if stolen.

A bit more than the average trail bike......

Image

And no I didn't declare the rear tank, as it's not normally fitted.

* MSM Insurance

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Tony Ferrari
Roads Conservation Officer
Hertfordshire TRF


http://www.nomadracing.co.uk No Byways were harmed in the making of this blog!

2006 KTM 450 Rally
2011 KTM 990 Adventure
2015 Honda CB500X


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