Modifications & insurance...

[ledger]

I have booked 2 test rides with my local dealer on Saturday, one on a 600 Hornet and the other on an SV650S.

The SV has had a belly pan fitted (which I assume is an aftermarket product). Anyway I phone my insurance broker for some quotes (strangely the SV was more despite being a lower insurance group ???) and was trying to ask the broker if the belly pan counts as a modification and would it affect the policy. I just couldn't get the guy to understand what I was talking about, initially he thought it was a performance mod and then he thought it was "like a big plastic sticker" and so didn't matter.

Anybody got any adviseexperience of this ?.

thanks

[s2ooz]

yeah, insurers dont ride bikes. and are idiots.

Just get it in writing that its been mentioned. most bikes are modded, there really only interested in performance/legal mods. A belly pan isnt either.

[Steve_T]

The SV was signnificantly cheaper for me to insure than a hornet - no idea why this joker is charging more! When I questioned my insurer on fitting an aftermarket can, I was told no problem, whether it's legal or not, you're covered with no change to the premium. I can't imagine why a belly pan is significant in terms of modification, so I'd find an insurer with a bit more of a clue.

Steve.

[ledger]

thanks steve,

who are you insured with ?.

I would prefer an SV, but with a belly pan or lower fairing, hence the insurance question, but I'm looking at hornets as they seem to be easier to get hold of and cheaper in my local dealers

[whoozit]

Ahem - clean 2001 SV for sale over here, buried in the Classifieds section. Cheaper than a dealer, leaves you plenty of cash for bodywork.

[ledger]

Hi Whoozit,

I couldn't find an SV in the classifieds, but I only have a budget of £3,000 (bloody children, expensive blighters even when they haven't yet been born :-) ), which seems to be quite low for an SV and is why I'm looking at hornets.

[whoozit]

Ledger - you don't have a PH email set up in your profile, otherwise I would say YHM

Edited by Whoozit on Sunday 14th October 16:06

[ledger]

Whoozit,

I've set up PH mail now, otherwise I'll give you a ring when I get a chance, but I'm away from a phone for most of the afternoon

Adrian