stevelawiw wrote: 'Has it been modified in any way?' And when you answer yes that's the end of your claim? insurers don't like mods
I never tell them, it's just an excuse for them to load the policy. And when you read through the terms and conditions and exclusions they use any excuse to get out of paying. AND their claim advisers are trained to trick people on the phone. For EG they cover my mob scooter for THEFT in big blingy headlines but when you read the small print it not cover if left unattended for more than an hour outside. It's not likely to be nicked when I'm sat on it is it.
It's like having a 3rd party fire and theft on a car and it getting nicked from the shopping centre carpark. Sorry you can't claim we only cover for theft if you happen to be sat in the car at the time.
In the summer when i leave it outside my front door i have a shackle bolted through the chassis and chain it up to the steel gate post. But that wouldn't be good enough, they'd get out of paying.
I only had the cover for 3rd party liability but seeing as it's obviously modified with lithium, polycarbonate DIY leg and screen fairing, additional CREE lights, etc they wouldn't cover for me that anymore. Although if I was renewing the policy I wouldn't tell them.