Insurance and bike options
Discussion
When buying a brand new bike these days, it’s become very common to have an extensive list of accessories and options to choose from when ordering. Heated grips, taller screen, fancier paint, tyre pressure sensors, comfort/high/low seats, different brake reservoirs etc etc. And that’s before the myriad of luggage options you can get.
When it comes to filling out the forms for insurance quotes, what do you guys declare as ‘modifications’? Strictly, surely only the cheapest base bike with no options at all is ‘standard’, but on the other hand a lot of insurance companies won’t even quote (at least not via GoCompare et al) if the bike has more than one or two changes from standard made. Surely they don’t really mean to refuse to ensure any brand new bikes - so what gives?
When it comes to filling out the forms for insurance quotes, what do you guys declare as ‘modifications’? Strictly, surely only the cheapest base bike with no options at all is ‘standard’, but on the other hand a lot of insurance companies won’t even quote (at least not via GoCompare et al) if the bike has more than one or two changes from standard made. Surely they don’t really mean to refuse to ensure any brand new bikes - so what gives?
Anything that came from the factory/dealer should be included in the invoice so I count that as standard.
Anything significant I change myself later I declare as a modification e.g exhaust, seats, wheels, suspension
Use a specialist insurer that will cover mods like for like. Last 2 years ive used Bikesure as broker as 2 of my bikes are modified.
Anything significant I change myself later I declare as a modification e.g exhaust, seats, wheels, suspension
Use a specialist insurer that will cover mods like for like. Last 2 years ive used Bikesure as broker as 2 of my bikes are modified.
paddy1970 said:
You don't need to declare options...they are not modifications.
^^^ ThisIf it's a option that's fine
If a dealer fits something that not an official option - or you fit anything - that's a modification
No one cares about a charger, heated grips etc generally just mods that increase performance or risk of theft
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