jj65
Registered user
Just spent 42 minutes asking questions (actually 29 minutes was in the que waiting) concerning accessories, alarms, disc locks etc, etc and the advisor referring to the underwriters, Turns out disc locks are worthless, locks and chains make little or no difference, fitting panniers and a Satnav are ok but not covered even though you have to tell them how much they are worth, but a different screen or seat means they will definitely not offer insurance and believe or not, reflective stickers on the back of the panniers or Handguards extensions will most likely not be allowed either.
All modifications must be declared with a value, no matter how small or insignificant, but are not covered in the event of a claim and many oem accessories will result in no cover being offered.
And here’s another twist, for exactly the same cover, filling in the same info on confused site and Hastings own site, produced a premium from confused for a Hastings policy nearly £160 less than from Hastings direct .
If you want to insure a bog standard brand new GSA TE Rallye with panniers and a Nav and value it at the market value (so say £16K for a bike ridden out the showroom and 10 miles on the clock, thats how i was told to value it) you’ll be ok, but if the screen is too high/low and the seats uncomfortable your F**k*d. All i want to do is possibly add a rallye seat, fit mudslingers, panniers, Givi Handguards extensions, Nav6, tank bag, sidestand big foot and some reflective red tape on the rear of the panniers.
My final tounge in cheek question was, if I choose to wear a high viz vest would that be OK, he replied yes, but if you put it on the bike, probably not. We both laughed and he wished me well in finding cover with someone else .
Confused.
BeMoto next I think, hopefully their underwriter might be a little more accommodating.
All modifications must be declared with a value, no matter how small or insignificant, but are not covered in the event of a claim and many oem accessories will result in no cover being offered.
And here’s another twist, for exactly the same cover, filling in the same info on confused site and Hastings own site, produced a premium from confused for a Hastings policy nearly £160 less than from Hastings direct .
If you want to insure a bog standard brand new GSA TE Rallye with panniers and a Nav and value it at the market value (so say £16K for a bike ridden out the showroom and 10 miles on the clock, thats how i was told to value it) you’ll be ok, but if the screen is too high/low and the seats uncomfortable your F**k*d. All i want to do is possibly add a rallye seat, fit mudslingers, panniers, Givi Handguards extensions, Nav6, tank bag, sidestand big foot and some reflective red tape on the rear of the panniers.
My final tounge in cheek question was, if I choose to wear a high viz vest would that be OK, he replied yes, but if you put it on the bike, probably not. We both laughed and he wished me well in finding cover with someone else .
Confused.
BeMoto next I think, hopefully their underwriter might be a little more accommodating.