Forum

[Davie Hall]

How do you describe the highway to your insurance company?. Does it make any difference to your insurance premium.....its not as if it gives a massive performance boost .....I would think it just improves the way the bike runs? Would something along those lines be correct?
Looking forward to your replies
cheers Dave

[Bullet Whisperer]

Hi Davie - say nothing is probably best, save opening a possible can of worms. I doubt anyone concerned would even notice the deviation from 'standard' in any case. I put a Hyde 850 kit on my Trident years ago and offered the new info to my insurance company and I was told that they weren't really interested and to leave it as 750 in the log book as well, so that's exactly what I did. Regards, Paul.

[Davie Hall]

Hi Paul, thats what I was thinking I was just wondering what the collective did. This is the first time in years I have been really looking forward to getting another bike. You would think at my age I would be past that stage

[Adrian]

It's a performance carb and less restricted silencer, if you mean the Watsonian-Squire kit on some Electra-X bikes, surely not difficult to describe? As the last year these bikes were officially sold new (apart from a few dealer's remnants) was back in 2008, the insurance companies might not be so bothered now as when they were new.

Regards,

A.

[Bertie the Bullet]

My friend was recently refused an insurance payout after her car was hit because she had non standard tinted windows on her car that the insurance company was not aware of, even though it was parked at the time of the accident and she was indoors. My advice would be to advise the insurance company of all mods, it's then up to them if they care or not, at least you've done your bit by informing them.

[John L]

+1 on Bertie's advice - don't give them any reason to wriggle out of meeting a potential claim......

[Bobw]

HI Davie. A full 612 kit and change of indicators cost me £12 extra through e-bike insurance. You can specify different mods online and see the additional cost before buying. No idea how competitive they are and you're not insuring an agreed value but worth a look. For peace of mind declare any mods. Cheers.

[Ian Martin]

We could have a problem here! Look through our hosts photo gallery and you don't see many unmodified, as left the factory, absolutely original Enfields. I just wonder how many of the proud owners of these highly individual machines have listed all the modifications they have made to their insurers? I for one haven't though I feel I should despite the very long list indeed that some poor call centre worker would have to take down. Mostly cosmetic but also to include handlebar fairing, top box, panniers, crash bars, Amal carb, Goldie silencer, electronic ign, etc, etc.
All are "modifications" in an insurance sense. Perhaps I should send my insurers a series of photos and include one of the 66 year old owner and rider who's last claim was in 1982 when a car driver drove into him! Surely from an insurance underwriting point of view the biggest "risk" on an Enfield is the riders attitude, experience and skill level not a tasty exhaust note.
Incidentally I was asked if my car had any modifications when I last renewed my policy and the addition of a tow bar was considered a notifiable modification by LV.

[Beezabryan]

Failure to disclose to an insurer be it health, travel, motor/cycle etc is the road to hell

[Davie Hall]

Well just of the phone to my insurance company. End result a £24.70 admin charge and no additional premium to the underwriters, they were told about the highway kit and weren't interested. Wonder what they say when it gets the 535 kit fitted during the winter. Well its now insured and just have to travel 200 miles to collect it. Now do I bring it home in a van or ride it home via the scenic route, decisions decisions .