What should I think about before making any modifications?
If you’ve got a bike and you’ve been mulling over whether to change that carburettor, tune the engine or add a quickshifter then the best way to find out how it’ll affect your insurance is to ask your provider. Better to do it before you make the change (unless you like expensive, shock surprises).
As a general rule of thumb, insurance providers take a dim view of anything that affects the following and this may be reflected in your premium:
• Value – if your alterations increase the value (and desirability) of your bike then this just makes it more attractive to thieves.
• Cost of repairs – if your alterations are extensive or complicated then it could mean that repairs or parts are expensive or hard to come by – your insurance provider will be obliged to increase your premium in order to cover potential costs.
• Riskier on the roads – any changes that enhance or boost the performance of your bike are likely to increase your insurance. Providers will interpret a more powerful bike as being harder to control and therefore more at risk of being involved in an accident.