.: Modified Bike Insurance

Riders often take pride in the care they take to maintain and upgrade their bikes, and modifying a great ride can make high mileage journeys and short stints around the neighborhood alike more exciting and enjoyable. Modifications made to a motorcycle, however, should always be brought to the attention of an insurer. Even in the case of minor modifications, a lack of proper notification on insurance related papers can lead to trouble when claims are made.

In the UK, insurers may deny claims based on previously unknown motorcycle modifications, and in some instances may even decide to counter-claim against the rider for fraud. Avoiding this unpleasant situation is often as simple as discussing a bike's modifications with a personal broker or insurance agent. Some agencies are bound to be more familiar with tuning specifications and equipment variations than others, which is why selecting a motorcycle specific insurance source is often the wisest move for riders with unique bikes.

Reporting various modifications doesn't necessarily carry with it the obligation to pay higher premium prices. While mods specifically intended to increase speed or to allow stunts may naturally be associated with greater risks, performance based alterations may have little to no effect on overall pricing. Through a strict policy of honest and prompt reporting combined with an effort to work with industry savvy insurers, motorcycle riders with a passion for modified bikes can obtain the ideal insurance policy and the ideal price tag for their needs.