Loud Exhaust Invalidates Insurance
 

Do you realise that a non approved exhaust will invalidate your insurance. IE if it doesn't pass an MOT then you are not covered by your insurance. Which means if you kill someone or write the bike off then you are up the creek without a paddle.

Unfortunately these days the regulators are around your throat. However if you are a 1 percenter then good luck.

God dam regulators, you can do this, you can’t do that.
Your to noisy, your to quiet.
F**k Off and live something resembling a life.
I am sick to deaf of this crap.
Legislation, Legislation, Legislation, ARRRRRRRRRRRRRRRRRRRR
Come on bikes can’t be seen right, all my bikes are loud, I am still here.
Any body listening TO THISSSSS.
The last thing an invisible object should be is rely F***ing quiet.
Rebel or let them kill more of us with this.
New bikes make no noise. You are risking your life on these bikes.
YOU ARE NEITHER SEEN NOR HEARD.
Just my own view you understand but better to be alive and nicked than dead?

Rant over.

As far as i recolect the MOT is only valid for the actual second it is signed, once out the garage, the MOT actualy means nothing, and if the bike dont pass the MOT then you cant get insurance anyway!

when my mate was taken out by a car the insurers got funny because he had a rear hugger fitted to his 996 but they did have to pay out a tidy bit of compo

Shop around with your insurers.

Some will cover you with extras (like termi's etc), but will just not pay out their value if you make a claim for your own vehicle. You'll be paid out an equivalent value for OEM items.

Howeve, this does cover you for 3rd party claims as you have divulged it from the outset of your policy and the inderwriters are already aware of it.

As I say, shop around and some will accept them.

any recomendations? Ducati insurance perhaps?

....and they cant invalidate unless the reason for claim is related to the offending item, ie some poor old biddy has bleeding ears after you passed her at full chat with an open 57mm system!:burn:

Reason is, they would be able to invalidate ALL policies, as things like stereos, wheels, tyres, air fresheners are not part of original spec and therefore modified.

Access underwriting will cover you with non-standard cans. But they would only be replaced with standard ones - at least you're covered though.

Carole Nash will do the same - as I have got confirmed in writing from them.

C:)

That wouldn't be a bad deal for me 'cos original SuperLight cans cost a kidney and one leg whereas aftermarket ones can be picked up fairly cheaply (Less than 100 quid for my Lasers)...

Darren

I think my non-standard cans are the last thing I should be worrying about...
But I could just flutter my lashes and say..."But officer...they were on there when I bought it!".
I just think its all a load of CR4P when you consider on a daily basis 16 and unders ride past my house on 'peds popping wheelies and stoppies and no amount of complaint seems to do anything....
I could just park the duke on the road and oops "small number plate, race cans, not displaying a tax disc!"...
Ca squillion quid fine!
Easy pickings...:mad:

Hold on just one moment ... it is true that a race can may affect your insurance but it is because it is a performance boost. I was a tad concerned after a mate with an APrilia RSV with race cans had an off i the winter and the dealer who fetched it swapped the casn before an assessor got to see it, saying that the damaged one was not recovered.

I phoned Carole Nash when I had a Termi fitted and told them I was thinking of having one. I found my current insurance would have been in valid (NIG), but RSA would insure and I had to pay an extra premium and cancel/restart insurance. But at least I know it will only be a £60 ticket for loud cans not a summons for invalid insurance.

Agree with all the comments about being easy picking for the odd copper that decides he does not like bikes :mad: after all we are public enemy No1.

As for the insurance, come clean and tell them about all mod's etc. Told mine about all the different body work, huggers, decals etc etc and they came back, in writing, to say that in the case of a claim they will treat the bike as standard and will either repair or pay out as a standard bike. No additional premium or owt :lol:

Thought this might help

Following the advice of others,i decided to try Premium Choice for a quote.Very pleased with the result.
Ducati 749BP 2003,value £6500
Datatool 3,Datatag,Abus disclock,Garaged
31yrs old,Bike licence 10yrs,4 yrs. NCD,no points
Fitted with termi assymetrical(declared) and converted to mono using ducati parts.

Quote: £395 fully comp £500exc,full monty policy incl.bike hire and helmet and leathers cover.
Very pleased,as most companies would'nt cover it with declared termis.
:saint::saint::saint::saint:

Mot
 

According to my local garage when I took my T8 with Tergis for its Mot open pipes can now only be failed if they are Stamped For Race Use Only,if they have no markings at all they are perfectly legal unless the MOT inspecting your bike takes offence at the noise and meters it which he said is highly unlikely.
As he pointed out standard cans that have all the packing burnt out are sometimes louder than after market cans.
ian