who do you insure with

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willmoir · #1 Post by **willmoir** » Tue Feb 17, 2009 7:21 pm

hi all been a lurker for while but now need to renew insurance
do i declare the mods or is this just a daft risk the difference between the 2 is 1/2 a new back tyre
ive had to drop 20% pay to stay in a job so moneys pretty tight

Syltiz · #2 Post by **Syltiz** » Tue Feb 17, 2009 7:59 pm

Hi mate, and welcome.

I found it best to phone the insurance company and discuss it with them. If you explain what you have done and the effect it has they appear to be more accepting.

HowardQ · #3 Post by **HowardQ** » Tue Feb 17, 2009 9:14 pm

Welcome to the site mate, nice to have you with us!

I declared all mine to Carol Nash and they cost me nothing.
Main things were the extra plastics, belly pan and rear hugger, improved rear shock and the race cans which still had baffles fitted, and were stamped up legal, so were deemed not to increase the performance, therefore they did not charge me any extra.

Well fine with me.

Firestarter · #4 Post by **Firestarter** » Tue Feb 17, 2009 9:18 pm

+1 for Carole Nash, didn't cost me anything extra for the mods - same mods as HowardQ's.

We've all got a different perception of risk, mine (where insurance is concerned) is that if the worst happens, most insurers will do anything not to pay out, so I'd rather not give them any excuses

Welcome to the site

#5 Post by **Kwackerz** » Tue Feb 17, 2009 10:00 pm

another +1 for Caz Nash All my bikes and scoots have been through them and to be honest I see no reason to change. Good service and they dont mind modifications

Aladinsaneuk · #6 Post by **Aladinsaneuk** » Tue Feb 17, 2009 10:00 pm

i dare not

seriously....

D-Rider · #7 Post by **D-Rider** » Tue Feb 17, 2009 10:34 pm

Hi Willmoir - and welcome.

I insure with MCE - they were the cheapest i could find - also the cheapest for my 21yr old son on his 125 and my 17yr old on his 50cc scooter.

I think that the effect of mods on your premium will depend on your insurance history and your age.

At my last renewal I declared absolutely everything I'd done and everything I expected to do in the coming year. I made a point of explaining the purpose of the modifications and the fact that a lot of the changes were the substituting of higher spec parts from other Aprilias that shared compatibility.

This made no difference at all to my premium .... but I'm no youngster any more.

On the other hand, tommy couldn't get insurance for removing some of the plastics and making a naked Falco ..... cos he is a youngster (for once I can feel smug for not being so young any more)

So the effect on premium depends on age ..... but I think it would be very risky not to declare mods - you could end up paying out and then find you're not insured - if the worst happens, greatly out of pocket and on the wrong side of the law.
My view is it's not worth the risk - stick with standard until insuring a modified bike becomes affordable.

Aladinsaneuk · #8 Post by **Aladinsaneuk** » Tue Feb 17, 2009 10:42 pm

agreed andy

i did start to go through it with my insurance company and they started to have to put me on hold while they spoke to the under writers

each time they spoke to them it got a longer and longer wait....

tommy · #9 Post by **tommy** » Tue Feb 17, 2009 10:56 pm

D-Rider wrote:Hi Willmoir - and welcome.

On the other hand, tommy couldn't get insurance for removing some of the plastics and making a naked Falco ..... cos he is a youngster (for once I can feel smug for not being so young any more)

I insured my bike couple of days ago. £350 fully comp with "simply insurance" (£300 excess) they wouldn't let me turn her into a flat bared naked fighter. But aftermarket cans didn't put my premium up at all.

Here's one for you, me on a 3 year old 1.6ltr diesel fiesta..... over £1000!!!

D-Rider · #10 Post by **D-Rider** » Tue Feb 17, 2009 11:08 pm

tommy wrote:
D-Rider wrote:Hi Willmoir - and welcome.

On the other hand, tommy couldn't get insurance for removing some of the plastics and making a naked Falco ..... cos he is a youngster (for once I can feel smug for not being so young any more)

I insured my bike couple of days ago. £350 fully comp with "simply insurance" (£300 excess) they wouldn't let me turn her into a flat bared naked fighter. But aftermarket cans didn't put my premium up at all.

Here's one for you, me on a 3 year old 1.6ltr diesel fiesta..... over £1000!!!

.... and I just got a quote for me and the mrs on a 6 yr old Mazda 6 (2ltr diesel).... £1818 ..... more than 10 times what I pay on the Falco.
I think I can probably find better ......

Syltiz · #11 Post by **Syltiz** » Wed Feb 18, 2009 9:35 am

tommy wrote:
D-Rider wrote:Hi Willmoir - and welcome.

On the other hand, tommy couldn't get insurance for removing some of the plastics and making a naked Falco ..... cos he is a youngster (for once I can feel smug for not being so young any more)

I insured my bike couple of days ago. £350 fully comp with "simply insurance" (£300 excess) they wouldn't let me turn her into a flat bared naked fighter. But aftermarket cans didn't put my premium up at all.

Here's one for you, me on a 3 year old 1.6ltr diesel fiesta..... over £1000!!!

Wow... and I thought I was being nailed for my age. I paid £210 for the Falco last year with £250 excess (renewal coming in April) and just paid £270 also with £250 excess for my old shape Ford Focus.

DavShill · #12 Post by **DavShill** » Wed Feb 18, 2009 10:00 am

Just got my renewal notice at the weekend. I'm with E-Bike. renewal premium is £141 Fully Comp...... Sorry forgot to add...........I have declared my mods - hugger, exhaust, crash bungs, levers etc.

scorpio24v · #13 Post by **scorpio24v** » Wed Feb 18, 2009 12:12 pm

Ive just renewed with E bike 178.50 fully comp with 5 yrs NCB on the Falco, cb1300 and CBX a quote were the best price but dont include recovery, whenn added the the premium they were more expensive

willmoir · #14 Post by **willmoir** » Wed Feb 18, 2009 6:49 pm

many thanks for replies
went with directchoice£115 fully comp declared mods (mille swingarm/white shock ,carbon front/rear scorpion cans mini indicators) no loading
bit hefty with excess @£650 but needs must and will be back on the road at the weekend
and yes i am an old git@48 with 3 years no claims

D-Rider · #15 Post by **D-Rider** » Wed Feb 18, 2009 10:59 pm

willmoir wrote: and yes i am an old git@48 with 3 years no claims

Bloody kids ..... I used to be 48 ..... for a whole year ....

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