Bennetts three Mods rule!

[2 wheeled tourist]

...I did indeed inform Bennetts who told me that they were cancelling my policy...
Carole Nash were most please to receive from my custom.

That's interesting, did Bennetts cancel your Policy or did you; if they did did they give to a choice of what to leave on the bike and what to take off? :unsure: and did you, if they did, charge you a cancellation fee too?


Yes, Carole Nash seems the right direction to go too.

[PaulinBont]

They did offer me the option of removing the modifications which obviously was a non-starter as far as I was concerned. Strangely neither the sales rep nor the supervisor were at all fussed about me taking my custom elsewhere despite 30 years of claim free business with them. I intend to visit theuir stand at the NEC on Friday and have a chat with the senior person there to voice my disgust at the contempt they are showing their customers.

[2 wheeled tourist]

They did offer me the option of removing the modifications which obviously was a non-starter as far as I was concerned. Strangely neither the sales rep nor the supervisor were at all fussed about me taking my custom elsewhere despite 30 years of claim free business with them. I intend to visit theuir stand at the NEC on Friday and have a chat with the senior person there to voice my disgust at the contempt they are showing their customers.

30 years!! That's good going there .
It really does, so far, seem thee is something afoot going on...we shall have to wait and see what its all about when the fog-of-confusion drifts away...Alun says he will ask around on our behalf too......hmmm...

[Zenarchy]

Just rung Carole Nash and they say that they have no problem with bikes having accessories i.e. SatNav, panniers, stickers, top-box et al, but, if a bike have been MODIFIED (such as engine or frame for example) to enhance the speed/bhp then they would want to know.

They, Carole Nash, count mods & accessories as two individual things, and as I have done, given them a list of accessories that are on the bike (XT660z Ténéré, 2008) and they’re pleased for me to have them on, as long, again, as they don’t increase/improve/modify the frame and engine etc…

When I asked them if this was the thin edge of the wedge they said that they shouldn’t think so and it’s down to other Insurance Co. to deal with how they deal with their Policies etc.

So, here is the phone No. for Carole Nash if anyone is interested:

0800 298 5511.

Good luck, and don’t forget, keep an eye on this area and KEEP EACH OTHER INFORMED!!!

Something to be aware of with Carole Nash is that if you ask for accessories to be covered to a particular value, then they may consider that as part of the bike valuation itself (not sure if that applies to all of their policies - may be it did in my case because they used a different underwriter - I wanted a couple of things on my policy that their first suggestion wouldn't have covered).

For example I asked for my bike insured for a value of £1900 and accessories/modifications for £900. I was considering things such as the stainless exhaust, centre stand,crash bars, heated grips etc. as part of the £900 along with luggage - as a replacement bike might come without those things (they weren't fitted as standard by honda and were things I'd added).

When the policy arrived this year there wasn't a mention of the additional £900 initially like there was in last years policy, and when I called to query this I was told that the £900 for accessories/modifications was included in the bike valuation of £1900.

So if the bike was stolen with all the accessories on it, rather than get back £1900+£900=£2800 like I was expecting - which would cover my losses, I'd get back only a maximum of £1900 for everything (which might only cover the bike).

Perhaps that's normal and to be expected, but it caught me out. To their credit, after an email to them explaining that I wanted extra cover in addition to the bike valuation, they sorted it out for me quickly and there was no extra charge. I'll be more careful to check this next time though.

[yoda]

:unsure: Just rang Carole Nash, they weren't bothered about the accessories on my 1200GS as they were BM after market parts. On my 660Tenere they were only bothered if i'd fitted any parts that would modify/increase the performance of the engine/chassis or affect the safety eg brake modifications. I have a Skidmarx taller screen, touratech h/gaurds, longer stem mirrors, rear top box, side rails and alloy panniers (removeable items) and an MTC single can exhaust and i'm looking at fitting a bash plate and eng bars plus center stand. They were ok with this and said it wouldn't affect my insurance with them. Been with CN for quite a bit now...looks like it'l be staying that way then :cheer:

[Hoggyf]

Hi All

Now I might be missing something here but..... how does the owner of say a Beemer GS know when hes the 4th or 5th owner if all the accessories were factory fit (if they're all approved bits) or if the previous owners added them??? More to the point how does the insurance company know?? Applies to some of the big sports bikes as well when they come with Akrapovic pipes, crash bungs etc.

[-Ralph-]

They don't. The whole thing is a farce and this change of policy is totally unenforceable and the ombudsman would over-rule it if they ever attempted to avoid paying out on a claim because of it.

If they said only power increasing mods at the beginning of the policy, and you declared all your power increasing mods, and you haven't added more since, then you are covered by your insurance, by law, full stop.

[Road2Manchester]

Tuther foot... claims.

Its only a guess, but maybe they are just trying to cover their own arses. If ypu as an owner add £5.ks worth of extras that are not listed as extras on the insurance, would you expect them to cover the costs of any add ons if your bike got nicked or wrecked.

The insurance underwriters are accountants not bikers. I amsume Bennetts managment are stong enough to change underwriters and companies, should this little faux pas go on any longer. :sick:

[OB1]

This is the only bike that I have ever had insured through Bennetts and that was just for eighteen months:



It was registered as a 1997 Triumph T595 Daytona... :whistle: the only thing that was from the original bike was the frame. The engine, clocks and screen were from a 2007 1050 Tiger, while the bodywork and running gear was from a 2005 Speed Triple. It also had Rizoma rear-sets, pillion pegs and brake reservoirs. The bars were Renthal, levers were from Pazzo and the front callipers were from a Yamaha R1 with Galfer discs. The whole thing was painted in Ford Focus ST orange.

I have just had a quick look on the Bennetts “get a quote” form and all of this comes in at one modification: Streetfighter! :woohoo: B)

[2 wheeled tourist]

They don't. The whole thing is a farce and this change of policy is totally unenforceable and the ombudsman would over-rule it if they ever attempted to avoid paying out on a claim because of it.

If they said only power increasing mods at the beginning of the policy, and you declared all your power increasing mods, and you haven't added more since, then you are covered by your insurance, by law, full stop.

That's about a simple as it should be, but, what exactly are Bennetts thinking!!???:huh: What do they expect to achieve from all this?