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Post by ritchic on Jan 22, 2018 20:53:52 GMT 1
Hi just building my first hybrid. How do you all go about insuring them bike is still insured standard at moment with Adrian flux. Do you have to tell them every change. Will i need anything more than mot as proof its safe or will that be sufficient for them
Thanks
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Post by rigga on Jan 22, 2018 21:22:07 GMT 1
Brief description and a few picture's to peter James insurance sorted out an agreed valuation on mine, never had to claim which will be the real test, but setting up adequate cover was a breeze.
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Post by ritchic on Jan 22, 2018 21:51:46 GMT 1
Ok ill just give them a ring didnt want to go into too much detail with them if it was best not to.
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Post by ritchic on Jan 22, 2018 21:52:27 GMT 1
Ok ill just give them a ring didnt want to go into too much detail with them if it was best not to.
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Post by 0h5h1t on Jan 22, 2018 22:28:13 GMT 1
Declare all mods mate.. Last thing you want is a void claim. Should it get nicked or involved in an accident.
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Jan 22, 2018 22:37:15 GMT 1
Serious modification like a Hybrid needs a specialist underwriter to asses it. Adrian Flux (bikesure) can do this. I have my VJ22/RG500 hybrid on an special agreed value policy, separate from all the other "std" bikes. Without declaring it your insurance will probably be void (in the event of an accident/claim)
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Post by rigga on Jan 22, 2018 22:54:52 GMT 1
To be clear, all my hybrid mods are declared to peter James, they are happy to insure hybrids
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Post by gazsellars on Jan 22, 2018 22:59:57 GMT 1
I declared all of my mods with footman James absolutely no problems. Agreed value didn't have to send pictures, all done over the phone. Easy.
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Post by ritchic on Jan 22, 2018 23:07:37 GMT 1
Yeah i will be declaring mods just more how far do you go. As in clocks brakes lights wheels an suspension do they have to know what they are changed to. Hope that makes sense
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Post by gazsellars on Jan 22, 2018 23:16:48 GMT 1
I don't think you need to specify exactly. Just tell them that you have upgraded forks, brakes, wheels and so on. When I told them I had a ypvs engine in mine they asked if it was producing more bhp than the original and how much more. Be prepared before you call them tho it's a pain trying to remember everything of the top of your head!
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Post by russpuss on Jan 22, 2018 23:58:40 GMT 1
Footman James for me, added the riddler to my standard bikes, £5 per year more, sent them photos and all mods.
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Post by donkeychomp on Jan 23, 2018 0:06:07 GMT 1
I'm with Flux on cars and bikes. My car is heavily modified and all of them are stated on the insurance policy. However as it is a classic car it's dirt cheap. So was my last LC, with mods declared.
Alex
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Post by fozzy17 on Jan 25, 2018 8:15:13 GMT 1
out of interest guys what you paying for a hybrid?
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Post by stusco on Jan 25, 2018 8:38:46 GMT 1
I insured mine for fixed £6000 cost £185 which I thought was expensive compared to others on here but couldn’t get it cheaper
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Post by 4l04ever on Jan 25, 2018 8:47:22 GMT 1
I have 8 bikes on my policy including a few modified LCs, an LC/YPVS Hybrid, 3XV very modified track bike and a Fireblade with a few mods for just under £300 with Footman James. You can list everything, as they do not seem to charge extra for every little item.
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Post by fozzy17 on Jan 25, 2018 9:30:47 GMT 1
I seen your 3xv 😁
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kevm
Drag-strip hero
Posts: 206 
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Post by kevm on Jan 25, 2018 16:00:20 GMT 1
I have my LC and YPVS with Peter James cheap as chips wasnt sure if they would insure the hybrid so good to read the comments above, thanks
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Post by rigga on Jan 25, 2018 16:03:55 GMT 1
I think mine is covered at 6k value for approx £110
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