If it comes under modification, then please declare it to us to ensure that you have valid insurance, should you need to make a claim. If it’s an accessory then we accept it as standard, just make sure you include its value in your accessories on your bike insurance quote!
#Racr 2 insurance mods
Not sure what’s defined as a modification and what’s defined as an accessory? Then keep reading…Īre you trying to work out if your new piece of motorcycle kit is a modification or an accessory? Then check out our handy alphabetised list of mods and accessories to find out. It’s important to know that when you insure your modifications properly, they’re covered by standard replacement in the event of a claim. Inform us of your modifications so we can ensure that your bike is properly covered, if you don’t disclose your modifications, then it could invalidate any potential claim. Here at Devitt, we advise that you state the value of all your accessories when obtaining a quote to ensure that they are properly covered when taking out your custom bike insurance.
The value of these additional, unadvised items haven’t been disclosed as insurable items or factored into the premium. If you don’t state the value of these “modifications”, that are actually accessories, and state your bike is, for example, worth £3,000, but has an extra £3,000 worth of accessories that you don’t disclose – then you’ll only be insured for the value you stated for your bike of £3,000. You may find certain insurers stating that they have X amount of modifications accepted as standard, quite often these are defined as accessories and therefore their cost should be included in the amount that you state as the value of your accessories. Modifications – are rated on their effect on the machine and are usually replaced as standard if viable to do soĪre my modifications accepted as standard on my bike insurance? Generally, when it comes to bike insurance modifications and accessories…Īccessories – are rated on their value as additional to the machine When it comes to your motorcycle insurance, if in doubt, disclose all changes to your motorcycle that are different from the standard manufacturer specification. Accessories also include top boxes, panniers, mirrors, heated grips that are fitted to your motorcycle.Ī modification is therefore changes to your machine that change the performance and / or handling of your motorbike. These include audio systems that form an integral part of your motorcycle.
#Racr 2 insurance full
Ducati Scrambler Full Throttle vs Triumph Street Scrambler.BMW R1250 GS vs KTM 1290 Super Adventure S.Motorcycle insurance modifications explained: Accessory or modification?.
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