Termis and Insurance

[Col996s]

Just picked up a pair of termis to replace my standard pipes on my 996s.
I assume I should tell my insurance company. My question is how do they normally react? Do they normally question the "race only" aspect of the pipes?
Do they increase the premium by much?

[TP]

Who is your insurer? Some don't like and won't cover you at all.

Others will happily cover you but, even though you'll only get it replaced with standard cans, they will charge a little more.

Clearly because you are now a demon biker and a massive risk increase.

[MarkyMark76]

Menace to society i would say...

[clockwork orange]

Change to Ducati Insurance - they don't care about the pipes. Replacement only with standard tho.

[ducatisps]

You could also try www.insuremyducati.co.uk No problems with race cans.

[BDG]

Carole Nash aren't bothered about my Termites.

[cashburning748r]

Bennetts cancelled my policy with a full refund when I declared mine. Ducati Insurance (who do not monitor phone calls) said that I would have to lie/not declare them, so I didn't.

You are better off not saying anything, by declaring the pipes on an existing policy you are declaring that the bike is not as the manufacture intended or indeed standard.

Silence is golden.

[Rocker]

Originally posted by cashburning748r
Bennetts cancelled my policy with a full refund when I declared mine. Ducati Insurance (who do not monitor phone calls) said that I would have to lie/not declare them, so I didn't.

You are better off not saying anything, by declaring the pipes on an existing policy you are declaring that the bike is not as the manufacture intended or indeed standard.

Silence is golden.

Could that not give them a let out in the case of a claim?

[Col996s]

Originally posted by cashburning748r
Bennetts cancelled my policy with a full refund when I declared mine. Ducati Insurance (who do not monitor phone calls) said that I would have to lie/not declare them, so I didn't.

You are better off not saying anything, by declaring the pipes on an existing policy you are declaring that the bike is not as the manufacture intended or indeed standard.

Silence is golden.

Having my policy cancelled is the thing that bothers me.
I am with Eagle Red Star, via a broker called Direct Choice.
I could just ring up and say I'm thinking of fitting them but would this raise suspicion?
Anybody got any experience of Eagle red star and Termis?

[ducatisps]

The last thing you want is for an insurer to turn down your claim and they have a history of doing so when there is a non disclosure as you are entering into a contract. My advice is always declare it. A cancellation is not good either as you would have to declare it to your next insurer. If you didn't there is a double history of non disclosure and with the new databases in place, your insurance history can be traced and checked and that may cause you a problem again in the event of a claim.

Col996s - ring another broker like Premium choice on 0121 384 9201 and ask Ronnie, Pinder, Liam or Rob what the Equity Red Star do wiith Termis.

[cashburning748r]

It's a real problem that many insurers simply wont tackle. Carol Nash must have changed their policy recently because when I asked them if they would insure my bike with termi's they simply asked "if where they on the bike from new" my answer was "no" like most ducati owners. As such the bike was no longer standard and they would not be able to help me... Silly me for mentioning it.

I would say that most ducatis with 'termi' pipes are doing so due to non discloseure.

Unless of course you have a bike that has them fitted as standard, I think that is the Foggy rep only?

[Rocker]

My wife has a modified bike policy with Carol Nash for her Hornet. One of the modifications is a race can. The premium was still very reasonable

[cashburning748r]

Thanks for that, im due for renewal in 3 weeks so I will ask them again. Will put a call in first thing tommorrow!

[TP]

Carole Nash were fine with my 54mm Sil Motors, and so is Access Underwriting (through Laxton's).

Both will only replace with standard pipes though but at least they won't deny your claim based on it.

[cashburning748r]

Thanks tp, its only fair about the replacement I guess. Will make the call
:roll:

[Col996s]

Thanks for all the advice guys. I rang Premium Choice and they said Equity Red Star will not insure with termis.
Still unsure what to do but thanks again. If I was due to renew then I could phone around but not due until November.