Termis and Insurance

12-05-2009, 06:28 PM

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

quick answer

nothing, but the insurer would only pay for standard pipes in the event of a claim.

12-05-2009, 06:52 PM

yep you wont be able to insure them unless they are road legal. Otherwise, dont tell them.

Seb_uk · 13-05-2009, 07:22 AM

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.

13-05-2009, 10:05 AM

Quote:

Originally Posted by Seb_uk

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.

my insurance company said if the cans dont have an eu stamp on them saying they are road legal then they wont insure.

13-05-2009, 11:24 AM

do you need to tell the insurance if you get the road legal ones?

steeevvvooo · 13-05-2009, 12:46 PM

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

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

Seb_uk · 14-05-2009, 08:03 AM

Quote:

Originally Posted by Arbeia

my insurance company said if the cans dont have an eu stamp on them saying they are road legal then they wont insure.

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.

12-05-2009, 06:28 PM	#1
judge148 Guest Posts: n/a	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
Captain Caveman Guest Posts: n/a	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
Arbeia Guest Posts: n/a	yep you wont be able to insure them unless they are road legal. Otherwise, dont tell them.

13-05-2009, 07:22 AM	#4
Seb_uk Bronze Member Join Date: Apr 2007 Location: Cardiff Bike: M695 Posts: 284	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.

13-05-2009, 11:24 AM	#6
Scootaboy Guest Posts: n/a	do you need to tell the insurance if you get the road legal ones?

13-05-2009, 12:46 PM	#7
steeevvvooo Registered User Join Date: Aug 2008 Location: Bromley Bike: M1100evo Posts: 1,512	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
Arbeia Guest Posts: n/a	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