<!--quoteo(post=223083:date=Wed 12th Oct 2011, 08:52 PM:name=TDMTAM)-->QUOTE(TDMTAM @ Wed 12th Oct 2011, 08:52 PM) <{POST_SNAPBACK}><!--quotec-->Just got my renewal quote in bugger have put it up to £304 up £100. Their reason why because I have committed the crime of fitting Panniers, top box screen & a seat.
oh well time to phone around.
TAM<!--QuoteEnd--><!--QuoteEEnd-->
Read you insurance booklet and look through the definitions for modification and accessory.
Usually an accessories is an item that is permanently fixed to the vehicle but is not performance enhancing, I did a bike claim recently where the bloke had heated grips, crash bars and a top box. none of which were performance enhancing. His accessories cover was upto the value of the bike, which was a KTM 990 adventure so about 6.5K. He got the full value of the bike (write off) and the value of the accessories, None of which he declared upon inception.
So, you dont always have to declare Mod's as modifications.
oh well time to phone around.
TAM<!--QuoteEnd--><!--QuoteEEnd-->
Read you insurance booklet and look through the definitions for modification and accessory.
Usually an accessories is an item that is permanently fixed to the vehicle but is not performance enhancing, I did a bike claim recently where the bloke had heated grips, crash bars and a top box. none of which were performance enhancing. His accessories cover was upto the value of the bike, which was a KTM 990 adventure so about 6.5K. He got the full value of the bike (write off) and the value of the accessories, None of which he declared upon inception.
So, you dont always have to declare Mod's as modifications.