Motorbike insurance guide

Motorbike modifications and bike insurance

It's really important that you tell your insurance company of any changes made to your motorbike from the manufacturers' standard specifications.

Once a bike has left the manufacturers, any changes made to it are classed as modifications and you have to tell your insurance company what the modifications are, for example if you swap your standard exhaust for a sports exhaust.

There is a misconception that all modifications will force your insurance premiums through the roof. For the most part this isn't true. Many of the most common modifications actually have little or no effect on premiums at all.

Below we have listed the modifications our panel of cheap motorbike insurers will quote for online, so you can find a competitive insurance quote:

• After market fairing/panniers/luggage box > £1000
• After market fairing/panniers/luggage box up to £1000
• After market fairing/panniers/luggage box up to £500
• Bike Now De-Restricted
• Carbon Fibre/Chrome additional or replacement parts > £1000
• Carbon Fibre/Chrome additional or replacement parts up to £1000
• Carbon Fibre/Chrome additional or replacement parts up to £500
• Change of Forks
• Change of headlight (single)
• Change of headlight (twin)
• Change of Indicators
• Change of Rear Sets
• Change of Screen
• Change of Swing arm
• Change of Wheels
• Crash Bobbins
• Dyno Jet 1
• Dyno Jet 2
• Dyno Jet 3
• Exhaust - Increase capacity > 5%
• Exhaust - Increase capacity up to 5%
• Exhaust - No performance increase
• Extended Forks
• Fairing Added
• Fairing Removed
• Hardtail (Rigid Rear Suspension)
• Headlamp Guards
• Heated Grips
• Hugger
• Hypercharger
• Indicators Removed
• Intercom (permanent fit)
• Low Profile Tyres
• Mirrors Added
• Mirrors Removed
• Murals/Special Paintwork over £1000
• Murals/Special Paintwork Up to £1000
• Murals/Special Paintwork Up to £500
• Nitrous Oxide
• Non-Standard Handlebars
• Non-Standard Seat
• Non-Standard Stereo System
• Pannier Removed
• Power Commander
• Quick Shifter
• R & G Crash Protectors
• Racing Colours
• Rear Seat Cowl
• Rebore/Re-sleeving/increase engine capacity > 10%
• Rebore/Re-sleeving/increase engine capacity 6-10%
• Rebore/Re-sleeving/increase engine capacity up to 5%
• Replacement Seat (adding a pillion seat)
• Replacement/Altered Frame
• Restrictor Kit - 33 bhp from > 40 bhp
• Restrictor Kit - 33 bhp from 40 bhp or less
• Satellite Navigation
• Scottoiler chain lubrication system
• Shock Absorber Uprated
• Single Seat Conversion
• Tuned (all associated parts must also be disclosed)
• Undertray
• Upgraded Air Filter
• Upgraded Engine Management Chip
• Wider Wheels
• Uprated Brakes
• Blue Printed
• Supercharging
• Turbocharging
• Fork Revalve
• Braided Hose
• Calipers

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