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General Chat (Vincent Related)
Insurance issue - Modifications?
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<blockquote data-quote="ClassicBiker" data-source="post: 51070" data-attributes="member: 1632"><p>Ernie,</p><p>Not sure this is applicable as I'm here in the states but my classic policy carrier is Hagerty, they also operate in the U.K.. My Shadow has some mods i.e. Alton, multi plate, Lucas Rita, QH headlamp and LED bulbs on the tail and brake along with modern tires. My MGB GT is also on the policy and it is modified with alloy head, fast street cam, supercharger, up rated suspension, and mini lite knock offs. I have three other bikes with similar mods as the Shadow also on this policy. Anyway when I first applied for the policy several years ago the lady I spoke with gave me a quote and asked me about any mods afterwards. I told her all of them and she only asked about the MG's suspension, wanting to know if ride height or attitude was altered. I told her it wasn't it was just replacing '70's technology with modern tech. The mods on the bikes I told her were in the interest of safety and reliability, which they are in my opinion. Anyway the quote didn't change and I've been with them for the better part of ten years now.</p><p>I also think it's in how you present the mods. The insurance companies are looking for indicators of what kind of risk you are. Better brakes to help me avoid collisions vs I can dive into the corners deeper and brake later, exit quicker and be the first one at the pub. The companies are in business to acquire money, and they do it quite well.</p><p>I hope this helps.</p><p>Steven</p></blockquote><p></p>
[QUOTE="ClassicBiker, post: 51070, member: 1632"] Ernie, Not sure this is applicable as I'm here in the states but my classic policy carrier is Hagerty, they also operate in the U.K.. My Shadow has some mods i.e. Alton, multi plate, Lucas Rita, QH headlamp and LED bulbs on the tail and brake along with modern tires. My MGB GT is also on the policy and it is modified with alloy head, fast street cam, supercharger, up rated suspension, and mini lite knock offs. I have three other bikes with similar mods as the Shadow also on this policy. Anyway when I first applied for the policy several years ago the lady I spoke with gave me a quote and asked me about any mods afterwards. I told her all of them and she only asked about the MG's suspension, wanting to know if ride height or attitude was altered. I told her it wasn't it was just replacing '70's technology with modern tech. The mods on the bikes I told her were in the interest of safety and reliability, which they are in my opinion. Anyway the quote didn't change and I've been with them for the better part of ten years now. I also think it's in how you present the mods. The insurance companies are looking for indicators of what kind of risk you are. Better brakes to help me avoid collisions vs I can dive into the corners deeper and brake later, exit quicker and be the first one at the pub. The companies are in business to acquire money, and they do it quite well. I hope this helps. Steven [/QUOTE]
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Insurance issue - Modifications?
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