Monster 1200 racing termi - insurance friendly?

26-02-2017, 01:38 PM

So I have a test ride for the new monster next week. I really want the termignoni but they're listed as 'racing' ie not road legal because it has no vat.

Does that mean they'll invalidate my insurance even if I declare them?

Dirty · 26-02-2017, 02:13 PM

Never heard of that before so I'd guess not myself

slob · 26-02-2017, 02:23 PM

I'd tell 'em you have Termignoni exhaust and leave it at that.

26-02-2017, 02:53 PM

For cosmetic reasons...

chris.p · 26-02-2017, 07:18 PM

Insured through Ducati Insurence, they have no problem with termi's but will only replace with originals if claim made. Fair enough

26-02-2017, 07:29 PM

Quote:

Originally Posted by whostheduke

So I have a test ride for the new monster next week. I really want the termignoni but they're listed as 'racing' ie not road legal because it has no vat.

Does that mean they'll invalidate my insurance even if I declare them?

I meant no cat, as in catalytic converter.

26-02-2017, 08:35 PM

Quote:

Originally Posted by slob

I'd tell 'em you have Termignoni exhaust and leave it at that.

Trouble is you have a duty of utmost good faith with insurance - ie you have to disclose everything. Is there an industry standard position? This must be one of the most common mods.

Dirty · 26-02-2017, 10:19 PM

Quote:

Originally Posted by whostheduke

Trouble is you have a duty of utmost good faith with insurance - ie you have to disclose everything. Is there an industry standard position? This must be one of the most common mods.

If you tell them you have termis what haven't you disclosed?

yusaf1 · 26-02-2017, 10:32 PM

I decided to "come clean" as it were with my lot and disclosed the whole lot, pipes and all carbon replacements, indicators etc and it didn't affect the price one bit.

27-02-2017, 11:22 AM

Quote:

Originally Posted by yusaf1

I decided to "come clean" as it were with my lot and disclosed the whole lot, pipes and all carbon replacements, indicators etc and it didn't affect the price one bit.

Likewise, all I was told was any damage would be replaced with standard parts, as it is all cosmetic it was just a note on my file.

27-02-2017, 04:55 PM

Quote:

Originally Posted by Dirty

If you tell them you have termis what haven't you disclosed?

I'm wondering if it's enough to say 'Termi slip on' or if I have to say decat, race only, not road legal Termi can! I think it's OK, the above helps as well with the guy who declared all mods. It's just the thought of riding a bike that strictly isn't road legal sounds like the sort of thing an insurer would use as an excuse not to pay out.

J.P · 27-02-2017, 05:35 PM

What we need is a policeman and an insurance agent to confirm it.
As it says 'race use only' its not legal on the road I wonder what it would come out like.

SunEye · 27-02-2017, 06:30 PM

As has been said the insurance will pay out to replace with OEM parts, so they don't really care what expensive parts you've fitted because they're not paying to replace them like for like.

Not declaring performance related modifications can potentially be an issue if they are radical e.g. nitrous. However an insurance company isn't going to avoid a payout because you have a 14 tooth front sprocket. It also depends upon the nature of the accident. If the modifications have no bearing on the accident then they are unlikely to be considered.

I wrote off a Kawasaki ZRX1100 that did not have a valid MOT. The insurance company still paid out in full. My M1100evo had O2 sensor eliminators and a DucEE exhaust valve eliminator fitted and I had removed the exhaust valve servo motor. I'm fairly certain my insurer didn't know about any of that or the Pantah bodywork, but they still paid out in full when I wrote it off.

To be honest a lot of the insurance agents who make a note of the modifications that you tell them about haven't got a clue about any of the modifications and in my experience often note them down incorrectly. So there is a bit of leeway between what you have told your insurer and what they think you told them.

I have written off one car and three motorbikes and the insurers never tried to shaft me on the payout. In fact for the M1100evo they were overly generous.

slob · 27-02-2017, 07:56 PM

My experience, a bit over a decade ago was that the list price of OEM slip-ons was higher than the DP (Remus) alternatives anyway

buzzbomb · 27-02-2017, 08:27 PM

As Rob states the OEM parts are usually more costly than the after market that we fit.

26-02-2017, 01:38 PM	#1
The Bike Dork Guest Posts: n/a	Monster 1200 racing termi - insurance friendly? So I have a test ride for the new monster next week. I really want the termignoni but they're listed as 'racing' ie not road legal because it has no vat. Does that mean they'll invalidate my insurance even if I declare them?

26-02-2017, 02:13 PM	#2
Dirty Bockloks Join Date: Jan 2012 Location: London Bike: No Bike Yet! Posts: 4,601	Never heard of that before so I'd guess not myself __________________ Wounds heal, chicks dig scars, glory lasts forever Beware of eBay

27-02-2017, 05:35 PM	#12
J.P No more Monster... Join Date: Jan 2007 Location: London Bike: Other Not a Ducati Posts: 4,326	What we need is a policeman and an insurance agent to confirm it. As it says 'race use only' its not legal on the road I wonder what it would come out like. __________________ J.JP ------------------------------- My Mum says, there's no such thing as Monsters.

26-02-2017, 02:23 PM	#3
slob . Join Date: Jul 2003 Location: East London Bike: Multiple Monsters Posts: 9,738	I'd tell 'em you have Termignoni exhaust and leave it at that.

26-02-2017, 02:53 PM	#4
MarkF Guest Posts: n/a	For cosmetic reasons...

26-02-2017, 07:18 PM	#5
chris.p Gold Member Join Date: Mar 2004 Location: lincoln Bike: No Bike Yet! Posts: 876	Insured through Ducati Insurence, they have no problem with termi's but will only replace with originals if claim made. Fair enough

26-02-2017, 10:32 PM	#9
yusaf1 Member Join Date: Jan 2005 Location: Molesey Bike: M800ie Posts: 195	I decided to "come clean" as it were with my lot and disclosed the whole lot, pipes and all carbon replacements, indicators etc and it didn't affect the price one bit.

27-02-2017, 06:30 PM	#13
SunEye Registered User Join Date: Nov 2010 Location: Bognor Regis Bike: Other Ducati Posts: 589	As has been said the insurance will pay out to replace with OEM parts, so they don't really care what expensive parts you've fitted because they're not paying to replace them like for like. Not declaring performance related modifications can potentially be an issue if they are radical e.g. nitrous. However an insurance company isn't going to avoid a payout because you have a 14 tooth front sprocket. It also depends upon the nature of the accident. If the modifications have no bearing on the accident then they are unlikely to be considered. I wrote off a Kawasaki ZRX1100 that did not have a valid MOT. The insurance company still paid out in full. My M1100evo had O2 sensor eliminators and a DucEE exhaust valve eliminator fitted and I had removed the exhaust valve servo motor. I'm fairly certain my insurer didn't know about any of that or the Pantah bodywork, but they still paid out in full when I wrote it off. To be honest a lot of the insurance agents who make a note of the modifications that you tell them about haven't got a clue about any of the modifications and in my experience often note them down incorrectly. So there is a bit of leeway between what you have told your insurer and what they think you told them. I have written off one car and three motorbikes and the insurers never tried to shaft me on the payout. In fact for the M1100evo they were overly generous.

27-02-2017, 07:56 PM	#14
slob . Join Date: Jul 2003 Location: East London Bike: Multiple Monsters Posts: 9,738	My experience, a bit over a decade ago was that the list price of OEM slip-ons was higher than the DP (Remus) alternatives anyway

27-02-2017, 08:27 PM	#15
buzzbomb Gold Member Join Date: Mar 2009 Location: widnes Bike: M1100s Posts: 780	As Rob states the OEM parts are usually more costly than the after market that we fit.