Hogdigerdy Dog wrote:plodder wrote:What's happening in the not too distant future or is this just a trend by the insurers?
well they think it's trendy,
the top 3 insurers only take 3 mods per bike, tank patch, heated grips and top box all count (wouldn't exactly call them mods)
anything that wasn't on the machine when it left the factory is a modification, unless fitted by the dealership,
and must people have experience of dealership fitting
the specialist insurers will eventually fall into line,
OR your gonna pay double for being a bike modifying mentalist
Plus the EU "type approval" not officially fitted at manufacture legislation has recently just been knocked back but will come up again via Brussels "sprouts". !!!!!!!
Customisation of any vehicle and especially motorcycles leaves insurance companies very liable for unwarranted costs that they cannot account for.They like neat little packages.
Hourly rates for specific jobs on standard machines are easily obtainable via manufactures warranty timetables as are replacement parts.
A simple engine exchange however usually involves mounting bolts from X,brackets from Y,hoses from Z and so forth. This is too much for them= either massively increase premiums to discourage or cover themselves or simpler=not insure liability.
Insurance companies continiously look to ways of not paying out via small print and ways to legitimately increase profit margins by higher premiums.
All the flood damage claims,ambulance chaser solicitors,whiplash frauds etc have to be paid for.
When you see 5/6K bikes cat C rated because of minor cosmetic damage its obvious what is going on.
Accessors are not of the trade background of 20 years ago,neither are repair shops.
After recently getting back into mcyles after a long absence I was incredulous on finding, in an area of 20 or so motorcycle traders only about 4 had facilities to plastic weld of which only one was competent and not one could then refinish the panel or even direct me to the respective paint shop they used,thats with a specialized motorcycle decal maker not 100 yards away aswell.
Now I dont know how many of you have tried to get one man to repair and another to refinish but when things are not to satisfaction then you can bet your boots on one blaming the other and neither prepared to accept liability.
A good example of costing would be;17" rear wheel mod on 400 s.How many non standard parts are utilised?,how much machining,how much does it cost to replace but more importantly how much would it add to value of motorcycle at salvage or resale,invariably the latter is much less than expenditure.
Truly it costs a great deal to be a motorcycle enthuisiast.We pride ourselves on maintaining and salvaging obsolete machinery and upgrading to modern standards yet are scorned by institutions we support finacially.
A simple engine exchange(about 3 hours) on something as basic as a series landrover now causes the DVLA to request confimation and proof of which accredited garage did the replacement>I have still to convince them yet it was done by myself unaided at the site of the breakdown.