Race cans (illegal)+insurance

Discussion in 'UK Motorcycles' started by Vincent, Jun 18, 2004.

  1. Vincent

    Vincent Guest

    Hi,
    Can anyone tell me if my insurance would be null & void if I fit a non road
    legal can to my bike?
    Also, can I loose points off my licence for riding with an illegal can ?
    Thanks
    Vinny.
     
    Vincent, Jun 18, 2004
    #1
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  2. Vincent

    Martian Guest

    If you modify your bike from standard you are obliged to let your ins.co
    know so that they can re-assess your risk. If you ask them to insure
    you with a non-road legal can they will tell you to go away. I suspect
    if you do some damage of some sort and they find that your bike is not
    road worthy by virtue of a modification they didn't know about then you
    are likely to be in a very sticky situation.
    Hmmm, interesting concept

    "yes officer that is an illegal exhaust can"
    "Thought so sonny, we'll have to take those three points off your
    licence for that one, damn!"
     
    Martian, Jun 18, 2004
    #2
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  3. Vincent

    Ben Guest

    And a race can makes your bike un-roadworthy? You could argue, if you
    had an accident, that if the can played no part in the accident, then
    you have a fair claim and your insurance is valid.

    Nope, insurance is most likely to be invalidated because they will
    require you to have a road legal bike.
     
    Ben, Jun 18, 2004
    #3
  4. Vincent

    AndrewR Guest

    I believe our own tall, multi-crashing, nearly-lawyer Ade did exactly this.
    Do they? I don't ever recall seeing that condition in one of my policies.


    --
    AndrewR, D.Bot (Celeritas)
    Kawasaki ZX-6R J1
    BOTAFOT#2,ITJWTFO#6,UKRMRM#1/13a,MCT#1,DFV#2,SKoGA#0 (and KotL)
    BotToS#5,SBS#25,IbW#34, TEAR#3 (and KotL), DS#5, COSOC#9, KotTFSTR#
    The speccy Geordie twat.
     
    AndrewR, Jun 18, 2004
    #4
  5. Vincent

    Dr Zoidberg Guest


    If that were the case then they could refuse to pay out because you had a
    blown indicator bulb
    --
    Alex

    YZF 600

    "I laugh in the face of danger"

    "Then I hide until it goes away"

    www.upce.org.uk
    www.drzoidberg.co.uk
     
    Dr Zoidberg, Jun 18, 2004
    #5
  6. Vincent

    Martian Guest

    Well, MOT cert is definite and if you put a legal can on for the MOT
    then take replace with an illegal version then that would consitute
    fraud which is quite a serious matter.
     
    Martian, Jun 18, 2004
    #6
  7. <snip>

    It's what is known in the trade as a material fact and you are obliged to
    tell your insurance company of any that you are aware of, whether it be
    related to your bike or you as a person. In the majority of cases, while the
    insurance company will do everything they can to get out of it, having a non
    declared modification will not invalidate your insurance unless it is proved
    that the modification was responsable for or contributed to the accident. It
    will almost definately not invalidate the TP aspect of the insurance - just
    expect your insurers to come after you for the money they have to lay out to
    a TP.

    Of course this all depends on the nature of the claim and whether the police
    attend and/or your bike is assessed by an, erm... assessor before you get a
    chance to swap the can back (not that I'd ever condone this sort of
    behaviour ;) ). If neither of these points apply then it's unlikley the
    insurance company will find out.

    On the other hand it's been over five years since I was involved in
    underwriting so this may well have all changed now and I could have just
    wasted ten minutes of my life telling you complete bollocks. Ho Hum.
     
    Grimley_Feindish, Jun 18, 2004
    #7
  8. Vincent

    AndrewR Guest

    I don't believe I've ever seen a requirement in an insurance policy that the
    vehicle must be MOT'd. They all say it must be "roadworthy", but that's it.


    --
    AndrewR, D.Bot (Celeritas)
    Kawasaki ZX-6R J1
    BOTAFOT#2,ITJWTFO#6,UKRMRM#1/13a,MCT#1,DFV#2,SKoGA#0 (and KotL)
    BotToS#5,SBS#25,IbW#34, TEAR#3 (and KotL), DS#5, COSOC#9, KotTFSTR#
    The speccy Geordie twat.
     
    AndrewR, Jun 18, 2004
    #8
  9. Vincent

    LadyNina Guest

    Shush don't give them any ideas.
     
    LadyNina, Jun 19, 2004
    #9
  10. It was somewhere around Barstow, on the edge of the desert, when the
    drugs began to take hold. I remember "Dr Zoidberg"
    An ins co tried that in some motoring claim in the 70s; afair, they
    didn't succeed, but Icbw.

    --

    Dave

    GS 850 x2 / SE 6a
    SbS#6 DIAABTCOD#16 APOSTLE#6 FUB#3
    FUB KotL OSOS#12? UKRMMA#19 COSOC#10
     
    Grimly Curmudgeon, Jun 19, 2004
    #10
  11. Vincent

    flashgorman Guest

    If you're going racing then the road legal nature of your exhaust doesn't
    matter[1]



    [1] I'm assuming here that you are fitting the can for this reason.
     
    flashgorman, Jun 19, 2004
    #11
  12. Vincent

    Nidge Guest

    snip

    They'd not argue 'Well it upped the bhp slightly so the bike would have been
    accelerating harder (or whatever) therefore it contributed' then?


    --
    Nidge
    ZX6R J2 Stunning in zit yellow. KX 125 MX 'I'm snot green -fly ME'. A few
    bits of CB500S in Norwegian Parrot blue. BOTAFOT#63

    'Just because I don't care doesn't mean I don't understand'.
    Homer (Simpson).
     
    Nidge, Jun 19, 2004
    #12
  13. They might, it would have to be proved though. The point is they would not
    be able to refuse the TP part of the claim (if it existed) which is probably
    the more important part as far as the law and money goes.
     
    Grimley_Feindish, Jun 20, 2004
    #13
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