Did anybody see the article in MCN or Bike magazine about the insurance companies not paying out due to undeclared modifications.
Fair enough you might think, except in one case, it was the addition of a top box, another case it was the addition of heated grips and in the worst one, someone had put 1 sticker of their football club on the fairing and the insurance company refused to pay out!!!!! None of these are modifications that changed the performance of the bikes in question.
In most cases, after a long ordeal with the insurance ombudsman, they did eventually relent and pay out on the claims, but not all cases.
If you do make ANY changes at all to your bike, or if you're not sure if something on it is exactly how it left the factory, then the advice is to declare it anyway. Unless it's a performance increasing mod, then it shouldn't change your premium.
Juts thought I'd share it here in case anyone hadn't read the article as I'm sure most of us wouldn't think to call the insurance people if we'd added a sticker, or heated grips....
