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Insurance Question

Discussion in 'Legal Eagle Roost' started by KeithW, Nov 21, 2019.

  1. KeithW

    KeithW Active Member Club Sponsor

    I’m thinking of changing my stock rear shock for a Nitron unit.
    My question is would this be regarded as a notifiable modification for insurance purposes.
  2. Me!

    Me! Utterly retired Club Sponsor

    More than likely yes IF you’re moving away from original specification ie spring rate /ride height.
  3. Cougar377

    Cougar377 Express elevator to hell Staff Member Moderator Club Sponsor

    Yes, but as long as you tell them that it's not a performance mod then it'll probably not make any difference to your premium.
    I swapped mine for a Nitron and the premium stayed the same.
    Last edited: Nov 21, 2019
  4. KeithW

    KeithW Active Member Club Sponsor

    Thanks for the advice guys.
  5. sib8292

    sib8292 Old Hand Club Sponsor

    In my book always best to tell insurers of any change to standard - generally they won't up the premium unless it affects performance or makes it look more attractive to thieves. Suspension mods shouldn't change anything.
    If you don't disclose and then have a claim insurers can refuse to pay out if not told of change.
  6. slim63

    slim63 Never surrender Club Sponsor

    Anything like that I put it to them as a safety critical upgrade & as they know any stock shock will be knackered soon after the bike leaves the factory they wont bother up the premium ............... unless its £2000 plus worth of Ohlins you stick on

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