Bikesure understand the needs of modified bike owners, offering policies that provide coverage for many types of modification, from fairings to drivetrains, exhausts to tuned engines. They also have special insurance schemes for popular type of modded bike, including streetfighters and cruisers.
Whatever type of mods you’ve made to your ride, get a modified bike insurance quote with Bikesure.
Types of bike modifications
There is a huge range of potential modifications you can make to your motorcycle, but they generally fit into two main categories.
Physical
Physical bike modifications are usually bodywork changes that affect the way your bike looks or add functionality that isn’t performance-based. They’re commonly made to make motorcycles more attractive or better suited to their use.
They can include:
- A tail tidy
- Crash bobbins
- Radiator protectors
- Aftermarket indicators
- Heated grips
Performance
Performance bike modifications are entirely focused on changing the way your bike rides. They’ll usually make your bike more powerful, easier to handle, or able to conquer different terrain.
They can include:
- An aftermarket exhaust
- Clutch or brake levers
- Aftermarket air filters
- Engine tuning
- New brake pads
The cost of modified bike insurance
Is insurance more expensive for modified bikes? Well, that depends. Different types of modifications alter your motorbike in different ways, and the more they change the way it rides or the value it holds, the more likely it is to affect your premium.
This is down to three main reasons. Firstly, modifications generally increase the value of your bike, making it more expensive to repair or replace. Secondly, visible modifications that make your bike more attractive might also make it more attractive to thieves, potentially increasing the chances of it being stolen. Finally, performance-based modifications that increase your motorbike’s speed or acceleration could be seen as a factor that increases the risk of you being in a road incident or collision.
Some bike modifications, such as heated grips and aftermarket indicators, aren’t likely to affect your premium by much (or at all) as they don’t increase the risk that you pose as a policyholder and also don’t significantly increase the value of your motorcycle.
However, as you start to stray into more substantial modifications, such as a new exhaust or a heavily tuned engine, you’re more likely to pay for it when it comes to insuring your bike.
Modified bike insurance premiums are calculated using a huge range of other factors, so there’s no way of knowing exactly how much modifications will add to your policy price.
