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 Post subject: A question of honesty
PostPosted: Sat May 06, 2017 5:39 pm 
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Pup
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Joined: Tue May 02, 2017 6:00 pm
Posts: 11
Location: North East Scotland
Hi everyone - I am interested in your experiences with insurance companies particularly the guys who have chopped their frames .
Have you declared your 'mods' ?

Which companies have you found. that understand the rat bike or do we just keep them in the dark about the rat in the room ?

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 Post subject: Re: A question of honesty
PostPosted: Sat May 06, 2017 11:09 pm 
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Joined: Sat Oct 31, 2009 1:06 am
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Location: yorkshire
ive told them but usually its just the change of can and colour thats it
and no they dont understand the ratty term :roll:


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 Post subject: Re: A question of honesty
PostPosted: Sun May 07, 2017 4:55 pm 
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usually i find they just ask if the engine has bin modified. i had trouble when i changed the colour to matt black though, how much was the respray they asked, 6 quid i said! changed the v5 and the year after no questions. they dont understand the concept of a rat cos they think that everything should be nice and shiny. insurance even asked me what stickers i had on my rat scoot, bloody hell, theres dozens, now that was a pain.


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 Post subject: Re: A question of honesty
PostPosted: Thu May 11, 2017 9:32 am 
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Joined: Mon Feb 18, 2013 9:55 pm
Posts: 234
Location: in a manky shed
With rats I tell them if I do an engine change like I did on my section 47 yam/Suzuki as the bigger cc can cause problems if stopped by a switched on copper (unlikely) anything else I don't bother as they don't seem interested in stuff insured for a tenner anyway

On the pretty stuff I do occasionally I just tell them its modified, some ask for a list which is a pain in the arse others like footman james are happy with pics & a quick chat, most of their call centre folk seem pretty switched on

I had one company argue the toss about a front end & rear wheel swap until I mentioned I now had modern brakes, suspension & tyres so was less likely to be involved in an accident, 5 minutes of explaining it was a safety modification not a performance upgrade got it sorted ................... I may have forgotten to mention the 1085 kit though :lol:


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 Post subject: Re: A question of honesty
PostPosted: Thu May 18, 2017 8:10 pm 
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Joined: Fri Jul 24, 2009 11:34 pm
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Location: wilts
Not had much problems myself. Seems to be only an issue if its a performance mod

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 Post subject: Re: A question of honesty
PostPosted: Tue May 30, 2017 2:34 pm 
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Joined: Tue May 02, 2017 6:00 pm
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Location: North East Scotland
Well I finally got over my fear of insurance brokers and gave them a ring - and well fuck me they are ok with my "Single Seat Conversion" - so tomorrow I will be tickling the fazer with a grinder :-)

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 Post subject: Re: A question of honesty
PostPosted: Tue Jun 06, 2017 7:39 am 
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Chopped its arse off - some checker plate to go on but it's getting there now.
I've left a bit of frame to strap my bags onto for rallies - I know that's a bit sensible ... but I am getting old
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