What Happens If I’ve Made Changes To My Bike? 🏍️
If you’ve made changes to your bike in any way from the manufacturer's standard spec (for example performance, handling or styling modifications or fitting an immobiliser), you will need to give us a quick call so we can get that updated on your policy for you. You can reach one of our friendly agents on: 0330 041 9412 📞
Please note, the following modifications are ‘acceptable as standard’ and don’t need disclosing to us:
- Adapted For Disability
- After-Market Exhaust End-Can/Silencer (must be road legal and non-performance enhancing)
- Air Filter Changes
- Bar Ends
- Belly Pan
- Braided Hoses
- Chain Guards
- Change of Headlight (Single or Twin)
- Change of Indicators
- Crash Bars
- Crash Bungs
- Decals/Stickers (Unless Race Replica)
- Engine Casing Guards
- Foot Rests
- Grab Rails
- Grippers
- Heated Grips
- Hugger
- Luggage System/Panniers
- Mirrors Changed/Added
- Radiator Bars
- Replacement Seat/Adding Pillion Seat
- Scottoiler
- Screen Changes
- Seat Cowl/Single Seat Conversion
- Sissy Bars (Long Backrest)
- Steering Damper
- Tail Tidy
- Tank Pads
How Much Will it Cost Me? 🔎
Our standard fee for making a change to your policy is £40. Your premium may also increase, decrease or stay the same depending on the changes you are making 🧮
Additional Premium ⬆
If your insurer has determined that any changes you’ve made to your policy might increase the risk associated with your cover, this will likely result in a premium increase. The difference in premium would be required to be paid in order to maintain cover 🙂
Return Premium ⬇
If your insurer has determined that any changes you’ve made to you policy might lower the risk associated with your cover, this will likely result in a premium decrease. You would receive a refund for this difference or have your monthly instalments adjusted accordingly 🥳
Stagnant Premium ➡️
In some cases, your premium will remain the same and you would only be required to pay the admin fee 😌