Insurance for an ES2 trials bike?

ask them what they mean by custom bikes in there adverts. custom is a modified original if they insure those why not yours. just get an engineers report on it mind you thats easier said than done. try these. https://www.bikesure.co.uk/custom-bike-insurance.php#&ts=undefined Baz

Carol Nash seem very inconsistant with this sort of thing, I've never been able to insure my bikes with them for similar reasons, there's always been an issue with one or more. They were once quite happy to quote on a very heavily modified Velocette I had where almost nothing was standard, but were unable to quote on my Commando as it had electronic ignition & an SU carb??? I do have my Lotus insured with them however & after umpteen failing condensors, decided to convert that to electronic. Thought I'd better let CN know & was told no problem, that's fine. When I wanted to add a Morris 1100 to the policy they wanted to charge an extra premium, you've guessed it, it's been converted to electronic ignition, exactly the same kit as on the Lotus.

Funny old world

Previously Dan Field wrote:

I've just bought an ES2 that was converted to a trials bike in the 60's, and am having trouble getting my insurer ( carol Nash) to put it on my multi bike policy because it's been modified. Funny that they insured my 1977 motocross ear withought question! Can anyone recommend an insurer for a bike that has been converted to trials?

I know it is a little late now but I prevent them ever finding out about any modification. It saves so much burocracy.

Previously Jonathan Soons wrote:

Previously Dan Field wrote:

I've just bought an ES2 that was converted to a trials bike in the 60's, and am having trouble getting my insurer ( carol Nash) to put it on my multi bike policy because it's been modified. Funny that they insured my 1977 motocross ear withought question! Can anyone recommend an insurer for a bike that has been converted to trials?

I know it is a little late now but I prevent them ever finding out about any modification. It saves so much burocracy.

That's fine until you need to make a claim. Then the insurers wriggle out of paying on the grounds that you withheld information. Insurance is a contract of the "utmost good faith" and they must be told all relevant information for the contract to be binding.

I know it is a little late now but I prevent them ever finding out about any modification. It saves so much burocracy.

That's fine until you need to make a claim. Then the insurers wriggle out of paying on the grounds that you withheld information. Insurance is a contract of the "utmost good faith" and they must be told all relevant information for the contract to be binding.

The claims that you would have little trouble with are:

1 - Bike is stolen and never recovered.

2 - Damage to an auto or 3rd party.

3 - Damage to your own bike.

Since no one will ever be able to inspect the bike, you don't have to worry about #1.

As for #2, how much damage can a motorcycle do?

#3? If you can afford fully comprehensive then you don't mind replacing any parts at your own cost.

Now your defenses: As far as you know it was always a trials bike and it looked like that from the factory and, secondly, if an (extraordinarily perceptive) insurance agent questions the originality of the mudguards or some such, "They look standard to me."

Of course, I would never recommend you break the law or intentionally deceive anyone.

just a thought how can an insurance policy be a legal document. i cant remember going to a solicitors with a witness plus proof of my identity and signing anything to do with my policy .Baz

Previously barry_carson wrote:

just a thought how can an insurance policy be a legal document. i cant remember going to a solicitors with a witness plus proof of my identity and signing anything to do with my policy .Baz

I would expect it falls under contract law.... which covers most agreements, even verbal ones...

But 'proof of' is always going to be grey....