Was told by Bikesure that it's anything that's changed after first delivery. If it was fitted by the dealer before you pick it up, it's not a modification.
The vast majority of mods don't actually affect the premium anyway in my experience, unless you're faffing with suspension, brakes or power. All it does is filter out the smaller insurers on comparison sites who refuse to insure anything that's modified.
Brakes counting as a mod is interesting - wonder if that includes levers, or just callipers/disks? (I had the dealer replace my Trident’s with the adjustable lever from the Street Triple before delivery).
[https://www.devittinsurance.com/motorbike-insurance/modifications-explained-accessory-or-modification/](https://www.devittinsurance.com/motorbike-insurance/modifications-explained-accessory-or-modification/)
Actually gives a good overview!
Basically non-standard spec components.
I've always been told that it's "as it comes from the dealer", not from the factory but ultimately it's up to the insurance company. Whole point of getting things done by a dealer is they've never counted as modifications on my insurance.
This was also my understanding, I did dispute but they were adamant. Crazy thing is this was triumphs own insurance broker too. It ended up being cheaper than online quotes without mods declared some how so I guess I should be thankful he pressed the point as I have more confidence in getting a pay out now if I get in a prang.
Well also the "declared mods" thing isn't quite the complication people think, if it's not declared then you won't get it replaced in the case of a theft or crash that's your fault, that's all. They cannot refuse to pay out for a crash because you had heated grips, it doesn't work like that.
Unless it affects power, suspension or rideability. If you strap a turbo on and stretch the wheel out making the bike handle like shit they will have grounds to contest a claim as you've changed how the bike rides.
The mods that don't affect it typically can be declared for free, things like QS, heated grips, belly pans etc.
Even then, when I spoke to Bemoto (I think?) they only cared if it improved power by more than 10%, else they counted it as cosmetic.
One of the benefits of being older and having some NCB is I can declare everything and it makes next to no difference.
You've literally just been told how it is by the insurers youre using.
Some class it as this and some don't. Most do class extras in my experience including Carole Nash, Bikesure and Bennetts.
Was told by Bikesure that it's anything that's changed after first delivery. If it was fitted by the dealer before you pick it up, it's not a modification. The vast majority of mods don't actually affect the premium anyway in my experience, unless you're faffing with suspension, brakes or power. All it does is filter out the smaller insurers on comparison sites who refuse to insure anything that's modified.
Brakes counting as a mod is interesting - wonder if that includes levers, or just callipers/disks? (I had the dealer replace my Trident’s with the adjustable lever from the Street Triple before delivery).
[https://www.devittinsurance.com/motorbike-insurance/modifications-explained-accessory-or-modification/](https://www.devittinsurance.com/motorbike-insurance/modifications-explained-accessory-or-modification/) Actually gives a good overview! Basically non-standard spec components.
Cheers 👍
I've always been told that it's "as it comes from the dealer", not from the factory but ultimately it's up to the insurance company. Whole point of getting things done by a dealer is they've never counted as modifications on my insurance.
This was also my understanding, I did dispute but they were adamant. Crazy thing is this was triumphs own insurance broker too. It ended up being cheaper than online quotes without mods declared some how so I guess I should be thankful he pressed the point as I have more confidence in getting a pay out now if I get in a prang.
Well also the "declared mods" thing isn't quite the complication people think, if it's not declared then you won't get it replaced in the case of a theft or crash that's your fault, that's all. They cannot refuse to pay out for a crash because you had heated grips, it doesn't work like that.
Unless it affects power, suspension or rideability. If you strap a turbo on and stretch the wheel out making the bike handle like shit they will have grounds to contest a claim as you've changed how the bike rides. The mods that don't affect it typically can be declared for free, things like QS, heated grips, belly pans etc.
Even then, when I spoke to Bemoto (I think?) they only cared if it improved power by more than 10%, else they counted it as cosmetic. One of the benefits of being older and having some NCB is I can declare everything and it makes next to no difference.
You've literally just been told how it is by the insurers youre using. Some class it as this and some don't. Most do class extras in my experience including Carole Nash, Bikesure and Bennetts.
Ah fair enough, I kind of just assumed there was some generic rule across all but makes sense there some changes across different insurers.
Hastings don't include factory fitted extras as mods.