If you’re passionate about motorcycles, you probably enjoy spending time either riding the open road or tinkering with your bike in the garage. Whether you’re customizing it for style or enhancing its performance, modifications are a significant part of the motorcycle culture.
However, it’s crucial to understand that making aftermarket modifications can lead to issues if you don’t properly insure and certify your vehicle. If you fail to inform your insurer about changes, your policy might be void. In the unfortunate event of an accident where modifications played a role, lacking the right insurance can become an expensive lesson.
This article will discuss the common types of motorcycle modifications, why keeping your insurer informed is vital, and the potential consequences of not doing so.
Exploring Aftermarket Motorcycle Modifications
Aftermarket modifications include any changes to your motorcycle after it leaves the manufacturer. These can be OEM parts or aftermarket alternatives aimed at enhancing or maintaining your bike’s performance. Common modifications include:
- Replacement parts from the original manufacturer
- Performance-enhancing components from other manufacturers
- Accessories for comfort, aesthetics, or accessibility
These parts can be installed by yourself or a professional. However, if the work isn’t inspected by a qualified mechanic, it might violate vehicle standards.
When choosing between OEM parts and aftermarket options, consider factors like:
- Quality
- Consistency
- Cost
- Aesthetics
- Performance improvements
- Warranty implications
Common Motorcycle Upgrades
Motorcyclists often modify their bikes in various ways. Popular modifications include:
- Fender eliminators
- Seat upgrades
- Frame sliders
- Adjustable suspension
- Air filter enhancements
- Exhaust system upgrades
- Tank grips
- Braided brake lines
- High-performance brake pads
- Lever upgrades
- Steering dampers
- Chain and sprocket enhancements
- Custom paint and decals
- LED and auxiliary lighting
- Upgraded windscreens
- Tire and wheel enhancements
- Storage solutions
- Phone mounts and USB chargers
Impact of Modifications on Insurance
Using non-OEM parts can impact your insurance policy in a couple of ways:
- Safety and Performance: Modifications might alter your bike’s safety or performance.
- Resale Value and Replacement Costs: Cosmetic changes can affect the vehicle’s value and the cost to replace it.
If modifications enhance safety or reduce theft risk, they might lower your premiums. Conversely, modifications that may compromise safety could lead insurers to deny standard coverage, directing you to specialized insurance that typically costs more.
No matter your coverage, ensure your bike complies with local laws and standards. A visit to a licensed Motor Vehicle Inspection Station can confirm your bike meets the necessary safety requirements.
Local noise ordinances may also affect modifications like exhaust systems, so ensure any changes comply with local regulations.
Consequences of Unapproved Modifications
Feedback from motorcycle forums suggests that many riders encounter challenges when dealing with insurers after customizing their bikes. Ignoring the need to inform your insurer can lead to significant problems if you’re involved in an accident.
If your insurer finds unauthorized modifications, the policy might not cover the repairs or replacement. Worse, the policy could be voided entirely. If you’re at fault in an accident and your policy is voided, it compromises your coverage for any claims from third parties.
Guidelines for Safe Motorcycle Modifications
Before modifying your bike, consider a cost-benefit analysis. Ask yourself:
- Is the modification worth the cost, including the part, labor, and potential insurance changes?
- Will the modifications affect my insurance premiums or coverage?
- Will my insurer cover the changes, or could they deny coverage?
Discuss these questions with your insurer and ensure all modifications are inspected, especially if you’re not a certified mechanic.
When buying a modified bike, confirm with the seller that all changes are declared, referring to OEM specifications if needed.
Seeking Help After a Motorcycle Accident
If you or someone you know has been injured in an accident involving a modified motorcycle, experienced legal help is available. Learn about your rights by contacting Car Accident Lawyers Toronto for a free consultation.
