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12-05-2009, 06:28 PM | #1 |
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Termis and Insurance
Quick question
On average, how much extra do you pay on insurance when you fit a set of Termis to a monster ? |
12-05-2009, 06:50 PM | #2 |
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quick answer
nothing, but the insurer would only pay for standard pipes in the event of a claim. |
12-05-2009, 06:52 PM | #3 |
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yep you wont be able to insure them unless they are road legal. Otherwise, dont tell them.
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13-05-2009, 07:22 AM | #4 |
Bronze Member
Join Date: Apr 2007
Location: Cardiff
Bike: M695
Posts: 284
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May not affect your premium much, but your excess is likely to go up a bit in case they get damaged in a spill. As long as you mention them to your insurance company they will be covered in the event of a claim.
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13-05-2009, 10:05 AM | #5 |
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my insurance company said if the cans dont have an eu stamp on them saying they are road legal then they wont insure.
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13-05-2009, 11:24 AM | #6 |
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do you need to tell the insurance if you get the road legal ones?
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13-05-2009, 12:46 PM | #7 |
Registered User
Join Date: Aug 2008
Location: Bromley
Bike: M1100evo
Posts: 1,512
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I’m no expert, but thought that having cans on without declaring them would not just mean that the cans were not covered, but that your insurance was invalid?!
Insurers will try anything to get out of a claim, and it’s easy for them to say “we insured a standard bike, not a modified one” . Technically, they’re classed as a performance upgrade… |
13-05-2009, 04:54 PM | #8 |
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You can put them on but if you damage them the insurance wont cover the expensive cans.
When my old 696 was written off i just changed back to standard cans before the engineer from insurance looked at it. Simples |
14-05-2009, 08:03 AM | #9 |
Bronze Member
Join Date: Apr 2007
Location: Cardiff
Bike: M695
Posts: 284
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That sounds about right - my termis's are EU stamped but don't have the baffles in. When I had a spill a while back my insurance company paid out without any hassle. I'm with ebike and have found them to be excellent.
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