What do i tell my insurance company??

[soloman]

Hi All,

Just bought Termi system for my 749s and didn't really think about it before......What do i tell my insurance company??

Been down this road before when fitting an Akra to my R6 and the first question they asked was......"Is it road legal sir??"
Well, as we all know, the Termi IS NOT road legal so, there in lies a problem!

I'm with H&R who are quite happy with mods as a rule, well, they classified my slipper clutch as a SAFETY DEVICE because it helps stop rear wheel lockup under emergancy braking situations!! :D

Any of you guys an girls have experience with H&R on this topic??

Who are you all insured with?

What do you tell your insurance?
I'd hate to not tell them, then drop it only to be told my insurance is invalid! :(

Any help on this matter would be appriciated as i intend to fit it over the holidays.

Thanks
Steve

[HW]

Well, I'm with Carole Nash and I phoned to tell them I had fitted a Termi on the 749S. It put my insurance up by over £100 a year! They know which one it is now though, and at least I am insured. I asked about other mods, and they said they were only interested in ones that affect performance. I don't know how much performance they think I am getting, because it still gets 100bhp on the dyno WITH the termi. :(

[Carbon749]

I'm with a broker who put's my insurance with zenith. They know all about my carbon work etc etc, like HW they are only bothered about performance mod's. All the carbon mod's did not effect my insurance. I never quite mentioned the race can. The can does not carry any "for race use only" markings.

If the worst came to the worst and I binned the bike I would put the standard can back on before the insurnace saw the bike. If I was not in a fit state I have a good mate who would do the can swap for me.

[Murray Mint]

My rule is to always tell the truth, you can get insured some where else.

[Davieravie]

I told Ducati Insurance about my new Termi system.....answer.....it matters not.

[TP]

Laxtons are fine with the aftermarket exhaust as well.

Go with someone who doesn't really care - at least you're covered that way.

[ace]

surely you can,nt insure a bike with an illegal part on it , i.e a race can ! they might say its okay but you have a claim and lets see how fast they back track !!! at the end of the day the can says" not for road use " well mine does :o
im with carbon "oops forgot to mention the can sir "

[Carbon749]

Originally posted by ace
surely you can,nt insure a bike with an illegal part on it , i.e a race can !

im with carbon "oops forgot to mention the can sir "

100% Agree .... my suggestion would be to have the "not for road use" polished out.

Even better if the bike is 2nd hand .... blame the can on the previous owner. When you take insurance out the question is "to the best of your knowledge is the bike modified".

Simple answer is no.

If it then turns out that a previous owner has carried out modifications that you are not aware of you can not be held responsible.

[Twinfan]

I'm with H&R and declared my Termis, carbon and painted wheels etc. It made no difference to the cost as I recall, but you need to tell them about things like that otherwise you risk being uninsured. Not a nice place to be.

[Edited on 19-12-2005 by Twinfan]

[philthy]

Originally posted by HW
Well, I'm with Carole Nash and I phoned to tell them I had fitted a Termi on the 749S. It put my insurance up by over £100 a year! They know which one it is now though, and at least I am insured. I asked about other mods, and they said they were only interested in ones that affect performance. I don't know how much performance they think I am getting, because it still gets 100bhp on the dyno WITH the termi. :(

I did the same with my 851 and my katana which has a yoshi pipe on. I think the reasoning on their part is that if you want to improve performance then ergo you want to ride faster, so you are increasing the risk of a claim. I think it also makes 'em more likely to be nicked.

The insurance companies may not be bothered if it's legal or not, but round here ( North Wales ) the police have a fetish for looking at your exhaust pipe . Frightens the sheep if it's too loud don't you know!

Phil
:lol:

[748 ARSE]

Im confused as to how any insurance company know what should and should not be fitted to your bike. One year you can buy a 748R which comes with a set of 45mm Termis, the next year it will come without the termis and Ohlins alround (someone please tell me if I am talking crap) I took my 748R for an MOT at the same shop I bought it from and they told me it wouldn't pass an MOT with Termis, therefore I responded with "so you sold me a bike which is unfit for the road" they then MOTed the bike and that was the end of it. Surely as every year the spec change and so do the options, who is to know what is standard and what is not. Im not sure if im talking rubbish or not now ??

[Twinfan]

Termis came in the crate with the 748R, the standard baffled pipes were fitted from new. Open Termis were never standard fit as they will not pass EU emissions tests, nor UK MOT noise tests.

[Stu748R]

you must really be honest with them,i'm with Ducati insurance and had no increase in my cost and i think the golden rule is.does it increase performance by more than 10%,i think you already know the answer to that one but dont give anyone the chance of not paying out on a claim coz that really would hurt.

[748 ARSE]

Thanks for clearing that up TwinFan. I guess as mine was second hand then the previous owner must have fitted them after delivery. Merry Christmas. Scott

[soloman]

Cheers all for your advice!

Just got off the phone to H&R and, would you believe, the first question.........."Is it road legal sir?"

Ah, well, "NO!" was the reply................."No matter, it makes no difference to your premium sir!"

So, I asked her, "let me get this straight, Highway (the underwriter) will make no change to my premium to insure a bike which is theoretically not able to obtain an MOT and therefore should not be on the road, AND they'll still pay out in the event of a claim?"

"YES sir, although how you'd fair when stopped by the police??" was the answer!

Cant see how that works personally, but, Hey who am I to argue, cheers H&R i'll drink to you tonight!!

[Twinfan]

Highway are good with non-legal exhausts. Other insurers aren't so leniant, and you have to cancel your policy and start another.

[soloman]

Now to the fitting!!!!!

Any of you guys fitted your own?

I'm lookin at attempting it over the festive period, am reasonably compotent mechanic, but, was wondering if anyone knows of a fitting guide available on the net anywhere?

Will I need any specific tools for the job?

Woods (dealer) told me that if they were to do it then they'd need the RED key to match the new ECU to the clocks etc??

Does this matter? or can i fit and get someone to do that at a latter date?

And whilst I'm thinkin........Where is the ECU anyway?

Motrac Racing in Elsmere Port, near me, are a Dynojet dealer and they reckon once fitted they can get it on the rollers and install a custom map onto the new ECU Ducati supplied???? Is this possible?

Steve

[Twinfan]

Didn't fit mine myself, so can't really say. I've heard that you don't have to use the RED key for the ECU, as this will lock it to your bike. It's best if it isn't locked should you choose to sell it on at a later date.

Duno about re-mapping the Ducati ECU but I wouldn't think it was possible.

[rockhopper]

Easiest way around this is to use a PC3.