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Thread: insurance + agreed value on customs?

  1. #1
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    insurance + agreed value on customs?

    hi,
    i'm about to put my shovel back on the road after some time in the workshop on this latest phase of mods/upgrades.
    it looks stock to an uneducated eye, but it's covered in mods/upgrades etc.
    in the past i've just insured it as a stock 1200 flh to get it on the road and kept my fingers crossed i never need a claim/inspection.
    but now i'm getting close to the end result, one more phase of work planned in the future and it getting more valuable in parts added.
    what do folks do to get 100% kosher on non-stock machines.
    i'm thinking club agreed value for insuarnce value and some kind of engineers report for mechanical/frame work etc?
    who does engineer reports? is it an mot station, dvla or specified/authorised body?
    any info/pointers welcomed.
    thanks,
    j.

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  2. #2
    Join Date
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    Re: insurance + agreed value on customs?

    I've had a few ground up 'Harleys', been insured with Carol Nash for many years, with all mods/details listed.
    They want to know is it safe? Is it as expensive as you say and do the mods increase the risk.. ie have you fitted a huge turbo etc.

    If the mods are all bolt on from established brands, then they may not require an 'engineers' report, on the other hand if you've made your own frame, then they probably would. My own bikes are built with their main components .. frame / forks / brakes etc from established makers and so far never had to have a 'engineers report'. But if I did, I'd take it to my local MOT place and have them write a report.

    Last time I insured newly built bike, the folks who you call cant deal with it, as it doesn't fit any of their categories.. computer says no.. so you get passed on to their 'specialist'. I was asked to email a list of parts / details / photos of the bike, and got back a quote the same day.. in my case they set the quote as one similar to a CVO big twin. But for older classics which have been modded, it my be different. Call them and ask.

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  3. #3
    Join Date
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    Re: insurance + agreed value on customs?

    If you have a custom bike shop near by, give them a call to see what they advise as they will have a lot of experience on this with regular builds being passed to customers.

    Also, speak to your insurers and see how they would manage this. It will probably be referred to their underwriters to be covered as it won’t fit into anything the telephone call centre folk have on a drop down menu as said above.
    Darren Thomas
    Member No:010141


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  4. #4
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    Nov 2014
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    Re: insurance + agreed value on customs?

    hi,
    thanks for the input.
    i'll look into suggestions.

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