I take it for granted that if I ever have to make a big insurance claim, they will try to wriggle out and I shall have to sue the insurance company to get the claim paid. If they want to come out with all this nonsense about modifications, stickers, and tyre pressures, they can tell it to the judge.
I could use your help here Pete... Let's say I bought a secondhand Ducati; the previous owner doesn't point out any modifications, and I'm no mechanic. But I have a prang and need to claim. The assessor comes out and says I have non-standard exhausts, clutch and brake levers, and non-OE tyres (all fairly standard fare for a secondhand bike). What happens next? As a buyer, I surely can't be expected to know whether or not a secondhand bike is standard or modified, surely?
The onus is on you I am afraid. They will not be interested. It happened to a mate of mine and they did pay out eventually but not the full amount.
The first test is has the mod had an impact on the reason for claim. Second is only replace cost of oe not aftermarket. Normally after a bunfight first...
That's how it should be, straightforward and sensible. But with insurance companies it rarely is, they will use any excuse not to pay you, no matter how tenuous.
