HELP WITH INSURANCE COMPANY

[brassmonkey001]

Exactly my point: I'd have thought aftermarket suspension components were a declarable modification, but not an Autocom. On second thoughts, I suppose if the Autocom was incorrectly installed installed and set the bike on fire...

But declaring "anything not fitted by the factory"? Well how long have they got? let's start with the oil, brake and clutch fluids, disks, different tyres, air filter, oil filter, some light bulbs

It's a real nightmare. Maybe there should be a clear definition of what's an accessory and what's a modification.

I always declare things of significant value like panniers, satnav etc. I seldom ride with either of these things fitted, but if you crashed or the bike was stolen with these things on then you'd want the money to replace them, wouldn't you?

 

[Wapping]

But declaring "anything not fitted by the factory"? Well how long have they got? let's start with the oil, brake and clutch fluids, disks, different tyres, air filter, oil filter, some light bulbs

Don't be silly.

Or if you want to debate with your insurer whether the replacement stop bulb you bought from Halfords last week and the new brake pads (which you borrowed from a friend) are covered, as they didn't come from a factory who last saw the bike perhaps five or more years ago in Germany or Japan, do it in your own time. Not on the pages of UKGSer.

, but if you crashed or the bike was stolen with these things on then you'd want the money to replace them, wouldn't you?

...and that is exactly the point.

Lots of bods spend lots of money blinging their bikes. No harm in that, at all.

Many of the parts add no performance benefits. Indeed the combined weight of some TT parts probably removes all of BuMW's best efforts to shave kilos off.

But they all cost money, as does an Autocom or aftermarket screen, for sure. Money which, if the bike is stolen or destroyed, the average punter might well want back.

Declaring them all (and proving that they have been declared) may make the task of getting paid out for them easier.

Of course the insurer is under no obligation to accept them (just as the insurer is under no obligation to insure you at all) and may ask for clear proof that they are fitted, possibly from an authorised dealer. Why? Because 'salt of the earth' bikers sometimes lie (or become imaginative) as to what was on the bike. Sad, but true.

 

[JPB]

Don't be silly.

Or if you want to debate with your insurer whether the replacement stop bulb you bought from Halfords last week and the new brake pads (which you borrowed from a friend) are covered, as they didn't come from a factory who last saw the bike perhaps five or more years ago in Germany or Japan, do it in your own time. Not on the pages of UKGSer.

Well pardon me for not meeting your criteria about what views are worthy to be expressed in this forum; like the trust wearer's association, I stand corrected! You're right though, Wapping, it would be silly to declare those things... but the woman from the insurance company specified 'anything not fitted by the factory'. Starting to apply our own interpretation of what really should be declared is where this whole exchange of ideas started.

As for the point about the cost of replacing all these bits and pieces, the value declared is for the bike including any accessories, at least on my insurer's application form.

 

[Wapping]

Twas a joke, but never mind.

So, as accessories are covered on your policy, declare away.... or they may well not be... but do forget about the tail lamp bulbs and the oil, as they (like the brake pads) are not accessories.... they are necessities....

 

[JPB]

Twas a joke, but never mind.



Me too, honest, hence the

Dead right about the necessities too!


Is there another word for 'synomym'?