Some insurance companies are getting sensible when it comes to modifications. MCE weren't interested in all the stuff I'd done as it was on their list of approved mods. Down side is that if you're bike gets nicked or written off they will only replace as per OEM. If you specifically want the mods to be insured against loss expect to pay a premium.
I've been dealing with this crap for days trying to insure my blade. usual rogues: MCE Carol Nash Bennetts Adrian Flux Ebike TBH, I'm starting to think that unless it is a performance mod it aint worth disclosing it. They will rarely replace carbon bits etc anyway, just oem as mentioned above.
If you don't declare mods , it's another way for insurance to wriggle out of a claim . They'll probably say your insurance is void as you never mentioned any modifications !!!! As far as we knew it was a bog standard bike !!!!!!!!!
OEM generally costs more than After Market Bling so in a way the Insurance Co' are only Dicking them selves
One way to look at it is this, is a pimped up , modified bike worth more to the thieving scroates for parts to sell than a standard one ? If the answer is yes, then insurance companies should be able to see what they are covering
They can only do that if it is included in their T & C's If it is not included and they then try to wriggle out, then they have to prove that the modification contributed to the cause of the crash, in the same way as they cannot wriggle out of a claim if your MOT has expired and theuy have not specified it in their T & C's If the crash is not your fault, it doesn't matter anyway as you are claiming off the third party so your insurance has no bearing.
as far as I know only bennetts publish a list of inclusive mods which you don't have to specify. As stevie says, be careful about performance enhancement mods "IF YOU KNOW ABOUT THEM" could be you bought the bike second hand and don't know if it has been modified. You could also argue if something like a brake upgrade which is a safety enhancement should reduce the risks for the underwriters as opposed to a power increase
