I have both my bikes on a multi-bike policy with eBike - no complaints. It expires next month so I was just looking at the policy details online, checking extra cover for breakdowns etc, and I noticed on the modifications screen that it even lists R&Gs and Scottoiler as ‘notifiable modifications’, both of which the Bnanana has, so I’ve added them to the details as a mid-term policy change. There’s no additional premium (I should bloody well hope not for these!) but it made me wonder - if you’ve fitted stuff like this and not told them could they use them as grounds for refusing a claim? Might be worth checking with your own insurer…
R&G and oilers help to reduce damage/danger to the bike, so some places offer reductions.
BUT, on the flip-side, nice little trick-bits are shiny things to Magpies if you know what I mean… potentially increasing your premium. :ermm:
I had this situation when I was insuring my Yamaha Thunderace for the first time when I bought it earlier this year - it was fitted with a Remus race can, which was stamped ‘not for road use’ - I decided to revert to the standard can because the insurance co. told me they would not insure it with the remus can - some people on the Ace forum took the p1ss e.g. saying - why did you even tell the insurance co. about the can etc and that I should have left the race can on - but then I put my worries into context for them - I bought the Ace to replace my SV1000 which was written off in a RTA involving another vehicle - an accident which saw me getting carted off in an ambulance with a broken leg - my SV1000 was scooped up by a recovery truck and taken off to a pound where it was inspected by a guy from the insurance company - if it had been fitted with illegal/not declared cans - the insurance company would have been within their rights to say my insurance was null and void because of the illegal/‘performance enhancing’ cans - leaving me not only with no insurance - but with none of the legal cover that I am using to recover losss of earnings etc from the other driver.People think they can slip the standard can/equipment back on in the event of an inspection by the insurance company after an accident - but how are you gonna do that if you are lying in a hospital bed/on crutches etc. when the inspection takes place?
Also worth bearing in mind that in the event of an accident, with most folks having camera phones these days that the insurance company could well have photographic images of the scene post accident & if the inspector or claim handler notices the difference you’re not only likely to have the claim bounced, but also possibly lining yourself up for some sort of fraud charge
I agree - and the last thing you want to worry about if you come off is ‘I need to change the can etc before an inspection’.
What’s the question on the form? “Has the vehicle been modified from the standard manufactures specification?” Or words to that effect.
I tell them everything from the cans down to the battery charging socket and I’ve not yet been charged any extra. Well, ignoring the 1300 cc MG engine in a Mini.
I just figure the bastard will duck and dive anyway they can to get out of paying, so why give them an easy exit?
yep it’s best to just tell them every think as if you do have a off and they find out they can turn round and say Ur not covered as you never told them about the mods. I’ve told mine about my stuff bars risers etc etc and it’s still the same price… also ebike…
i tell em all the mods on mine!! it bumps the premium up a bit but i’d rather be okj in the event of a pay out, most of the mods on my stunter are to protect the bike when it goes down but these increase the price! (ive only insured it for legal purposes, i break small ponsy bits on it too often to be claiming on insurance for it):hehe:
Just updated mine the other week as I’ve fitted R&G crash posts, spotted stuff on the mod list I hadn’t thought of like the scott oiler so added them. On the off chance of an insurance dodge, again didn’t increase my premium.