What if you have an incident and have non-standard pipes.

Theoretically even changing the bar ends or mirrors is classed as a modification as the bike is no longer in "standard" form. However, if you do declare the aftermarket pipes some insurance companies wouldnt charge any extra BUT others are unscrupulous bastards & will take every opportunity to fleece you of a few extra pounds.
If you are unlucky enough to be involved in an accident with an aftermarket exhaust fitted, i would like to think the insurance companies wouldnt try & wriggle out of coughing up as the exhaust would of made no difference to the circumstances of the accident.
Personally, say nothing & potentially save a few pounds & if you are unlucky enough to be involved in an accident & they do mention the aftermarket exhausts, plead ignorance, they were on it when you got the bike & was lead to believe the bike was standard.
If the exhausts got damaged in an accident they would probably pay out on the cost of standard exhausts & replace them accordingly.

Oh & welcome to the Triumph cruiser fraternity View attachment 2160 . Make sure you post up some pictures of your new purchase.

 

Hi and welcome to the forum, if you have it insured as standard you could give your insurance company a ring and ask them the what if question; if it's only a few quid more then declare them then there's no chance of them squirming out of a possible claim.

Just beware that if it is only a few quid more, many insurance companies will charge an unrealistic admin fee to add the pipes.... barstards!

 

Ok if the Accessory pipe is a Triumph one then it is an approved part that you do not have do declare to the insurance company (which also pertains to the Arrow Pipes on the speed triples)
If however it is an Beowulf or the like that is not a Triumph approved part then you would have to declare it.

Even crash bungs need to be declared although most insurance companies will be ok ... some will not

 

Welcome to the forum, i've always found that the more you tell um the more they charge but its how you feel about it ,good to have another cruiser what bike do you have

 

I reckon he has a 2012 America.... Just guessing x

http://thetriumphforum.co.uk/forum/f2/hello-harrogate-1171/#post12573

 

oh yea deerrrrr thanks pig just read the other post...... just noticing

 

Tell the insurance company all the mods - they soon get fed up of typing the 'extras', but most policies only repair to a 'standard' state. I told mine about all the bits and for the £40 odd quid admin fee bugger all was listed when it came through... :frown:

 

Can not be talking about members of this forum

 

Doo wun yoo nob - weer oll reelee brite on thiz pho-rum!

 

I am insured with MCE and told them I was fitting a Scorpion Can to my ST3. they said 'fine' no issues and sent me am amended policy scedule and no extra premium-result I'd say

Also Scorpion have a replacement free deal if you dump it and damage it and you were the original purchaser of the can-great all round