Interesting

[GordonR]

Here's one for you...
you install an EzCan and 5 days later there is an email from the Insurance company telling you that putting lights on your bike may invalidate your insurance

anyone else believe in coincidences

 

[clutchspring]

Yes always have thought you would have had to declare something like extra lights that’s not OEM fitted , it’s same as all these bloggers videoing themselves riding along I would have expected them all to have business insurance as most of them are getting paid by means of advertising in between there blogging

 

[Barnoe]

How does putting extra lights on your bike, make your a bigger insurance risk.

Insurance is a joke.

 

[Sly]

Usually only performance mods need to be declared..

 

[botus]

How does putting extra lights on your bike, make your a bigger insurance risk.

Insurance is a joke.

Blair in line with his instruction to destroy the UK, changed the whole insurance business from healthy to catastrophic in 2013

one used to provide some basic loose ideas of your needs and they took a risk that it would pay off
now they have so many loopholes to never pay out, its basically an annual mugging session

a few examples of why silly lights will cause you issues

if they deem your extra lights made it hard for others to see and they pull out - its your fault and thus they can come after you - if your insurer has not accepted that additional risk - you get to sell your house !!!
modern junk - with designed to self destruct features catches fire - and the insure make up a story your non std wiring caused it they wont pay out

 

[Santa-2512]

Most insurers have grown up a smidgin , and now link what is considered

Non declarable
A modification
An accessory
into your insurance application process

TBH its only performance or structural changes that have to be declared *

Every application ive made, lights are ... no issue

 

[TaskMule]

How does putting extra lights on your bike, make your a bigger insurance risk.

Insurance is a joke.

I've seen many GS or other adv bikes running their big D7s at full during the day. They think the brighter the better to be "seen" but it not only blinds oncoming but greatly reduces oncoming's ability to judge how fast or slow you're approaching. How many riders know how to properly adjust these lights or get them properly dimming. If you're riding at night with Denalis on full and they fail to dim properly for oncoming causing a crash then you better be legit with your insurance company.

"Insurance is a joke" Until you or the family of the person you killed needs it

 

[siddo]

I've seen many GS or other adv bikes running their big D7s at full during the day. They think the brighter the better to be "seen" but it not only blinds oncoming but greatly reduces oncoming's ability to judge how fast or slow you're approaching. How many riders know how to properly adjust these lights or get them properly dimming. If you're riding at night with Denalis on full and they fail to dim properly for oncoming causing a crash then you better be legit with your insurance company.

"Insurance is a joke" Until you or the family of the person you killed needs it

Brighter the better. I have my Lone riders at 100% for night and day use. People always see me approaching. Especially useful on full beam when splitting traffic.

 

[Barnoe]

I've seen many GS or other adv bikes running their big D7s at full during the day. They think the brighter the better to be "seen" but it not only blinds oncoming but greatly reduces oncoming's ability to judge how fast or slow you're approaching. How many riders know how to properly adjust these lights or get them properly dimming. If you're riding at night with Denalis on full and they fail to dim properly for oncoming causing a crash then you better be legit with your insurance company.

"Insurance is a joke" Until you or the family of the person you killed needs it

And yet cars are driving around with standard lights brighter than the sun, blinding everyone.

 

[wessie]

Blair in line with his instruction to destroy the UK, changed the whole insurance business from healthy to catastrophic in 2013

you what now?

Blair left office in 2007. Labour left in 2010.

All I can find about 2013 is that the Cameron government unwound some of the financial things Blair had introduced.

 

[tspivey]

I laugh at adventure bikes covered in spot lights, it takes a certain kind of personality to think that dazzling oncoming traffic is the best way to keep yourself safe.
They remind me of the ‘scooter boys’ of the 70’s that adorned their bikes with mirrors and an array of spot lights their electrical systems couldn’t power.
Each to their own, until it affects the safety of others though.

 

[Arsey]

I laugh at adventure bikes covered in spot lights, it takes a certain kind of personality to think that dazzling oncoming traffic is the best way to keep yourself safe.
They remind me of the ‘scooter boys’ of the 70’s that adorned their bikes with mirrors and an array of spot lights their electrical systems couldn’t power.
Each to their own, until it affects the safety of others though.

Exactly .
And I wonder how many on here who fit these Weise Wizards to their bikes declare the changes ?
Even though they should make the bike safer, how would it go in court when they discover you modified the rear lighting on your bike so it was non-standard ?

 

[jefformston]

Brighter the better. I have my Lone riders at 100% for night and day use. People always see me approaching. Especially useful on full beam when splitting traffic.

It only takes a small number of Dick Heads to give the rest of us a bad name.

 

[botus]

you what now?

Blair left office in 2007. Labour left in 2010.

All I can find about 2013 is that the Cameron government unwound some of the financial things Blair had introduced.

seems I muddled my dates - I was aware he messed things up, legislation takes years to come in to effect - the idea that an owner altering stuff doesn't matter - is just marketing speak for don't worry, it'll give us more wriggle room to not pay out later

found this

Part 2 of the 2015 Act has created a new ‘duty of fair presentation’ aimed at encouraging active, rather than passive, engagement by insurers as well as clarifying and specifying known or presumed to be known matters. From 12 August 2015, before entering into a contract of insurance, insured parties will be required to disclose either:

• every matter which they know, or ought to know, that would influence the judgement of an insurer in deciding whether to insure the risk and on what terms; or
• sufficient information to put an insurer on notice that it needs to make further enquiries about potentially material circumstances.

Insured parties will be considered to have known, or ought to have known:

• matters that could be expected to be revealed by a reasonable search of information available to the insured party – for example, information held within an organisation or by a broker;
• anything known by a person responsible for their insurance – for example, a broker;
• insured organisations will also be deemed to have the knowledge of anyone who is a part of the organisation’s senior management, or who is responsible for their insurance.

Insurers will be considered to have known, or ought to have known:

• matters known to individuals who participate on behalf of the insurer in deciding whether to take the risk and on what terms – for example, underwriting teams;
• knowledge held by the insurer and readily available to the person deciding whether to take the risk;
• matters known by an employee or agent of the insurer and which should reasonably have been passed on to the person deciding whether to take the risk.

 

[littleade]

Brighter the better. I have my Lone riders at 100% for night and day use. People always see me approaching. Especially useful on full beam when splitting traffic.

Rule 114​

You MUST NOT

• use any lights in a way which would dazzle or cause discomfort to other road users, including pedestrians, cyclists and horse riders

 

[Engineer]

How does putting extra lights on your bike, make your a bigger insurance risk.

Insurance is a joke.

Because the bike is no longer the one you declared it as when you tool out the insurance policy.
The insurance company cannot keep track of all the technical, risk and value implications of all the possible mods that are available to all bikes, so it is best for them to say if you make any changes you must inform them of any changes.

 

[siddo]

Rule 114​

You MUST NOT

• use any lights in a way which would dazzle or cause discomfort to other road users, including pedestrians, cyclists and horse riders

Rules are written by wise men for the guidance of fools.

 

[Barnoe]

Rule 114​

You MUST NOT

• use any lights in a way which would dazzle or cause discomfort to other road users, including pedestrians, cyclists and horse riders

Exempt of course if you buy any car with LED lights produces after 2015

It needs to be part of the MOT, lights should be aligned like they used to be.
If you sat in a normal saloon car now and an SUV or 4x4 comes up behind, you have to tilt the rear view mirror
They beam straight on into your eyes, not down on the road.

 

[Ottocycle]

Rules are written by wise men for the guidance of fools.

No. For guidance of wise men and the adherence of fools.

 

[TaskMule]

Rules are written by wise men for the guidance of fools.

Lol, tell us you have zero understanding of the original quote without telling us you have zero understanding of the original quote