What do you say about tyres pads filters oil fluids etc they are all modifications? A stick set of tyres is the same as another 20bhp plus. If a manufacture claim 130bhp and its modified to 110 whats the problem?
Hilltop
- Thread starter otruk
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Modified to me means have you done anything to the bike that changes it from the way it was originally delivered from the manufacturer - if the firmware stored in the ECU has changed to anything other than the manufacturer’s authorised changes then you should tell them because it is a modification - simples.
Change the word modified to optimised and I think that’s a more accurate description.
Tweeking a pair of SUs and finding the ignition settings that work best was never a modification.
Its not a motorcycle forum you have to convince. It will be a judge.
And if you think you can get clever with an insurance company and win, then you're a fool. No amount of barrack room lawyering will get you off the hook when they come after you because you lied to them.
I believe the law has changed and insurance companies cannot wriggle out of their responsibilities if you forget to tell a material fact that would not have increased the risk or premium by much.
Life is a risk. The risk that you will cause a fatality is minor. You are more likely to be the fatality so becomes irrelevant
As someone who has been before one in a few civil cases, I can say - without question that they very astute.
I have modified my bike by putting mirror extenders on. Or is it optimised. Is my insurance now void. Bollox is it
Does make you wonder where the line is drawn, engine optimisation that still delivers under the stated power output or poor quality tyres or pads which are not OE? Would like to think common sense comes into it, other wise any deviation from BMWs original format is dubious. Where does that leave the fork recall, over a year ago we are informed that our bikes can fail yet most have not been repaired. In the event of a major claim whos at fault BMWs for allowing faulty bikes on the road or ours for not notifying the insurer of potential issue and continuing to ride. Do i have to tell the insurer of the modification to the forks once done as its an upgrade or improvement/optimisation.
What about all the bling on every GS from auxiliary lights to tourtec goodies to Ohlins, does everyone inform their insurers of the modifications/ optimisations?
What about all the bling on every GS from auxiliary lights to tourtec goodies to Ohlins, does everyone inform their insurers of the modifications/ optimisations?
What about replacement Brembo oro discs ? Or should I use the standard bmw ones, as made by Brembo ?
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Otruk you make a sound point,
As the originator of this thread, you have the right to close it. Originally this was about the benefits of Hilltop remapping, but it’s changed to a bad natured argument about insurance companies.
Neither side seems to be listening to the other sides arguments and everyone seems intransigent.
It’s been entertains but perhaps has run it’s course.
There are two opposing points, those implacably opposed, let's call them deniers; and those who've paid for work done, call them acolytes.
The twain will never agree.
I haven't come across anyone who having had the bike setup, by hilltop, was unhappy with result. This does not mean nobody is unhappy, just that I've not come across them. Some people are never happy !!!
Professionally I have to be objective, and outcome focused.
Would I recommend that someone spends money having their steed hilltop'd ?
Yes.
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Tell you what, if you don't like the thread, stop reading it rather than tell the OP to close it.
You’ve rather made my point for me. It’s not that I don’t like the thread, it’s been very entertaining, but it’s bringing out the bad natured side of members and it’s moved off topic.
That was a modification clearly.
You are correct they have to pay up to third parties but can still come after you to get their money back if you breached your contract, and they will win - there has been many questions and answers from the lawyers in the bike press on this subject.
That’s more like it, a least it was funny.
You should tell them of any change that you make, if you add extra lights or even panniers then you should tell them - because in their view it possibly changes the value or desirability and they didn’t quote on that basis - not likely to be an issue with payment to third parties but they won’t pay for damage to the extras that you added if you make a claim, they may wriggle out of a theft claim too.
Anyhow despite opening up a can of worm again! I spent several days in town with the bike and can report that its much smoother and more flexible for my riding purposes its as the bike should have been from the factory, but I would say that I've spent £300 on magic!
The way it ‘should have been from the factory’ is the way it was delivered from the factory - Hilltop undid some of the deliberate compromises that’s all.
Please make it stop...........
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