Insurance Claim

[neile]

Hi all,
i am in the position of having to make a claim on my insurance for quite some damage after a recent spill....
my question is , having a scorpion can fitted, would that count as a modification , whereby the  insurance could resist my claim. Anyone claimed without issues when they have had a minor modification....?
your help and advice appreciated in advance...
neil

[biker1300]

yes it will if you haven't declared it prepare to have a fight on your hands   or just take it off and say it went missing

[Hartley]

Different companies deal with this differently. What ive seen on some policies is they simply wont pay to replace stuff thats not standard or not declared on the policy.
That said, we all know theyll try dodging anything if they can.

[Dave56]

Really sorry to hear of your recent spill Neil, hopefully you escaped unscathed.
Hartley states though it is usual for most insurance companies to look for any reason to avoid having to pay out an insurance claim, so beware.
It’s also worth noting that most companies do monitor forum sites so just be aware if discussing across the internet or social media Neil.
I would therefore recommend that if it’s possible to replace the aftermarket can for a standard one without making it look obvious then I would.
Hopefully it’ll all work out positively for you in the end and you’ll be back on the road ASAP.

[Martymouse]

Hope this is all in the past by now and sorted Neil.
Insurers are concerned about three things based on my conversations; does it change the performance envelope (and make you a bigger risk), does it make your vehicle more attractive to villains (and make you a bigger risk) or will it cost them more in the event of a claim (and ... you get the idea).
Generally you can/should declare certain changes. Some brokers/insurers have a wide scope at no extra cost but not all of them. Much is about attitude; if I change my suspension is it a performance or a safety mod?  Will my Nitron shock cost more to replace than the Honda OEM jobbie?
There is no doubt that it doesn't take much for a claim to be put at risk nowadays - any excuse.
It is easy to be wise with 20:20 hindsight, but tell your insurer about mods and if they ramp up the cost look elsewhere.