Insurance robbers

[Older biker]

Hello folks.

Are any of you folks insured with a company that doesn’t charge for modifications that are either, non performance enhancing, doesn’t increase the value of the bike, or is just a modification for aesthetic reasons?

The reason I ask is I wanted to change my standard exhaust for a Delkevic tri 320mm stainless steel non performance enhancing exhaust.

I called the insurance company (HastingsDirect ) to inform them of my intention only to be told it would cost me an extra £21.00.

When I asked why?

They told me that it was a modification to the original.

I stated it was non performance enhancing and just being changed for aesthetic reasons.

Reply again. It’s a modification.

I know some will ask why I bothered informing them.

Well a few people told me if they weren’t informed it could invalidate the policy.

So, any companies out there that don’t charge for such modifications?

[Mickly]

It’s not the modification to the bike they are charging for, it’s the change to the statement of fact in the policy.

It is common for insurance companies to charge a fee to change anything on the policy, whether it affects the premium or not.

[Six30]

Hello folks.

Are any of you folks insured with a company that doesn’t charge for modifications that are either, non performance enhancing, doesn’t increase the value of the bike, or is just a modification for aesthetic reasons?

The reason I ask is I wanted to change my standard exhaust for a Delkevic tri 320mm stainless steel non performance enhancing exhaust.

I called the insurance company (HastingsDirect ) to inform them of my intention only to be told it would cost me an extra £21.00.

When I asked why?

They told me that it was a modification to the original.

I stated it was non performance enhancing and just being changed for aesthetic reasons.

Reply again. It’s a modification.

I know some will ask why I bothered informing them.

Well a few people told me if they weren’t informed it could invalidate the policy.

So, any companies out there that don’t charge for such modifications?

 

Bennets, changed my headers with a Delkevic headers, done away with cat/muffler , couple of months back, , rung them and told them , all good , no charge

[manxie49]

x 2 for Bennett's, Akrapovic exhaust and headers and nothing extra to pay on the insurance.

[S-Westerly]

Ditto with a MIVV end can and Bennett's.

[Older biker]

It’s not the modification to the bike they are charging for, it’s the change to the statement of fact in the policy.

It is common for insurance companies to charge a fee to change anything on the policy, whether it affects the premium or not.

 

But the policy wasn’t becoming active until today 17th and I called yesterday the 16th.

So there shouldn’t have had to have been a change if the policy didn’t become active till the 17th surely.

[Mickly]

It’s not the modification to the bike they are charging for, it’s the change to the statement of fact in the policy.

It is common for insurance companies to charge a fee to change anything on the policy, whether it affects the premium or not.

 

But the policy wasn’t becoming active until today 17th and I called yesterday the 16th.

So there shouldn’t have had to have been a change if the policy didn’t become active till the 17th surely.

 

You’ve been done !!

[Older biker]

It’s not the modification to the bike they are charging for, it’s the change to the statement of fact in the policy.

It is common for insurance companies to charge a fee to change anything on the policy, whether it affects the premium or not.

 

But the policy wasn’t becoming active until today 17th and I called yesterday the 16th.

So there shouldn’t have had to have been a change if the policy didn’t become active till the 17th surely.

 

You’ve been done !!

Well not yet because I declined to pay the aforementioned £21.00 as I hadn’t yet bought the exhaust.

I’ll probably buy it and go with a different insurer next time but ask whether there would be a loading for having an aftermarket exhaust. Bennett’s may be getting another customer next year.

[Slowlycatchymonkey]

Wow they are taking the michael.

Another one for Bennetts. They have a list of mods that are already included in the price. Exhausts being one of them.