roadrash
Well-known member
Wow really .. Maybe it depends on where you're located? He was willing to come all the way to Newmarket. Last I called him 3 weeks ago.I called at lunch and he said he doesn't
Wow really .. Maybe it depends on where you're located? He was willing to come all the way to Newmarket. Last I called him 3 weeks ago.I called at lunch and he said he doesn't
Hi guys, I just picked up my ninja 300 yesterday. I called the insurance company i got a quote with (the personal) and tried to set up my policy. I made the mistake of telling them about an upgraded exhaust which they said they wont insure. After talking more I told them that I was misunderstood and the stock exhaust was actually installed (i have the stock exhaust too). They require a motorcycle mechanic to inspect it and verify it doesn't have any exhaust mods. Does anyone know a mobile mechanic that's able to do that? Any suggestions that are a little easier on the wallet? I'll be calling around for more quotes, these guys just gave me the best deal by far (1500 full coverage) 21, male, m2.
OP - Don't volunteer any information to the vultures in the future (insurance companies, government, etc.). .
Thanks for all your input guys, it gets me even more excited knowing that the moto community is this helpful. I understand the risk im taking if i put the akra exhaust back on afterwards. I'm still deciding on if that's a decision I'll be making but based on what my coworkers/friends who ride and your experiences you shared, everyone puts the upgrades and doesnt mention it to the insurance. It was my fault that i was trying to be honest and thats why the insurance company got spooked, they dont want any risk at all and i learned my lesson. They're giving me the best rate because of a discount i get with an organization. It should work out just fine next week, again thank you all.
When you enact a new insurance policy you are specifically asked if the vehicle is modified in any way.
Sure, you can lie and say no, but if you ever get an a situation where you actually NEED that insurance it gives the insurance company a possible out to deny your claim or cancel your policy for material misrepresentation.
Thanks for contacting me about this today. We'll set up something for beginning of next week and I'll provide you a letter at no charge because I loathe insurance companies as being the enemy of motorcycling in this country. Keep in touch.
Before you start feeling too badly about the poor insurance companies
https://www.youtube.com/watch?v=zfdSTyAcXfs&t=127s
Even StateFarm told me slip ons are a "grey area" and any new tuning is a definite no. But every insurance company also told me any amount of lowering any vehicle (including motorcycles) for any reason is a definite no from them and people are doing that all over the place as well.so it's just a slip on
Insurance Co is probably reacting thinking it's a full system
with the tuning to make more HP
maybe have the conversation that it's just the silencer can
and that you have put the stock muffler back on
and there are no performance mods installed
So if you buy a brand new Ducati or Triumph and it comes from the dealership (factory) with an Arrows exhaust, is it considered stock when you talk to the insurance weasels , or would a new owner buying the bike and getting insurance three yrs later have a discussion with the broker about 'aftermarket' exhaust?
I ask as my triumph came new with an arrows system, the VIN gives no reference to that exhaust.
If it comes from the factory that way it's stock. But if it comes from the dealer that way, but not from the factory, it's still aftermarket.From the factory is stock. Just remind new buyers that that is so. Or just say "none" when they ask if there are any performance mods.
Even StateFarm told me slip ons are a "grey area" and any new tuning is a definite no. But every insurance company also told me any amount of lowering any vehicle (including motorcycles) for any reason is a definite no from them and people are doing that all over the place as well.
All fine and good to lie/not tell them until you kill someone in an accident and need to make a claim and your insurance company refuses to pay out because you committed fraud.
My daughter is an insurance agent and says that many people misrepresent their driving record when applying for coverage. They're told up front an abstract will be run and they still lie. So we're are suffering from an environment where insurance is incredibly expense, there is a lot of fraud in the system in terms of bogus or inflated claims, fake treatment and repair work and deliberate misrepresentation when applying for coverage. So they trust no one and, collectively, we all pay for this and the cycle continues.