What should I think about before making any modifications?
If you’ve been mulling over whether to change that carburettor, tune your engine or add a quickshifter, 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 surprises).
As a general rule, insurance providers view changes in any of these areas as increasing your risk:
- Value – if your alterations increase the value (and desirability) of your bike, it becomes 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 may increase your premium in order to cover potential costs.
- Performance increase – providers will interpret a more powerful bike as being harder to control and therefore more at risk of being involved in an accident.
Don’t let insurance costs get in the way of your dream bike, though – there are a huge number of factors, trends and statistics that go into working out insurance premiums, and some of them are impossible to predict.