TD/Primmum

[R1Style]

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For all those with Sport bikes insured through these guys, did you guys claim any mods done to your bikes?

I did an online quote on my 06 CBR1000RR, disclosed the total cost of modifications and it spit out a quote approx.$500 less a year than what I'm paying with State Farm.

So I call TD to firm up those numbers and lady on the phone proceeds to ask me to name my mods. I tell her I have an exhaust, power commander, and a bunch of other cosmetic mods.
She stops me there and puts me on hold to talk to a manager/supervisor... 5 minutes later she comes back and tells me they won't insure me because I have modifications that increase power.
Seriously!? I tell her that 90% of people that buy a motorcycle will put an exhaust on their bike. I asked her what would have happened if I never told her about my "power mods" and she tells me if I ever had a claim they could deny it.

What I find funny about the whole situation is I could go out and buy a brand new litre bike and right out of the box it'll put down more power and be faster than my current bike!

Anyone with these guys want to chime in? Do you guys have "power mods"?

 

[Brian P]

Most insurance companies have exactly the same official policy, including State Farm.

I've had to file a claim, and that the motorcycle had an aftermarket muffler on it wasn't an issue.

I understand that the "no modifications" thing is really meant to address engine swaps, superchargers, turbochargers, nitrous, etc. but smaller things seem to be at the discretion of whoever is writing up the policy. They don't like aftermarket suspension, either.

It's best to insure a completely stock bike.

 

[Freestyle72]

Most insurance companies have exactly the same official policy, including State Farm.

I've had to file a claim, and that the motorcycle had an aftermarket muffler on it wasn't an issue.

I understand that the "no modifications" thing is really meant to address engine swaps, superchargers, turbochargers, nitrous, etc. but smaller things seem to be at the discretion of whoever is writing up the policy. They don't like aftermarket suspension, either.

It's best to insure a completely stock bike.

Ya anything else just ride dirty!

 

[RetroGrouch]

For all those with Sport bikes insured through these guys, did you guys claim any mods done to your bikes?

No.

I asked her what would have happened if I never told her about my "power mods" and she tells me if I ever had a claim they could deny it.

Has anyone ever heard of a rider being denied a claim because of modifications? I haven't. If every sportbike was investigated for mods after an accident, 90% of the owners would be denied a claim and that doesn't happen.

 

[R1Style]

That's the problem. I was completely honest with what my bike has on it and the lady on the phone refused to insure me which I thought was stupid.
I might just call later and try again.

 

[murf]

That's the problem. I was completely honest with what my bike has on it and the lady on the phone refused to insure me which I thought was stupid.
I might just call later and try again.

I resently got insurance with them and they asked about mods so I brought up how mist guys put on exhausts and he specically said they would not insure the bike if it had performane mods......so I told them my bike was stock. If they can deny claims for turbos it wouldn't to big a stretch if you had 10-20 more hp cause of exhausts etc?

 

[VifferFun]

Most insurance companies have exactly the same official policy, including State Farm.

I've had to file a claim, and that the motorcycle had an aftermarket muffler on it wasn't an issue.

I understand that the "no modifications" thing is really meant to address engine swaps, superchargers, turbochargers, nitrous, etc. but smaller things seem to be at the discretion of whoever is writing up the policy. They don't like aftermarket suspension, either.

It's best to insure a completely stock bike.

This is my thought exactly. Most insurer rate manuals are pretty vague about this issue, and simply state that they will not insure a bike with performance-enhancing modifications. Unfortunately, many agents/brokers aren't bike experts or mechanics, and don't know much about mods and simply cover their butts by rejecting the business, no matter how small the mod. Absolutely, this exclusion is meant to apply to REAL performance-enhancing mods such as engine swaps, turbos, superchargers, etc.

I personally wouldn't say anything about an aftermarket exhaust when applying for insurance -- you will not be denied a claim over something so trivial. At worst, they may not reimburse you for the value of the mod should you bike be lost or destroyed. I have never heard of anyone having issues over an aftermarket exhaust when making a claim with State Farm, and you can bet that the majority of trashed SS bikes with State Farm had an exhaust.

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