Western QBE and Modifications

1746 Views 23 Replies 9 Participants Last post by chocwheaton, Nov 13, 2006

GeoffB

Discussion Starter · Nov 1, 2006

Hi,
has anyone had experience with advising Western QBE of modifications? They seemed ok when I told them about the Termis, but I'm wondering if they'll have any issues with the following:

- CycleCat triple clamp
- CycleCat Clipons
- CycleCat Rearsets
- Ohlins Steering damper
- PowerCommander III USB
- Rizoma vented clutch cover
- Rizoma mirrors
- Rizoma billet sprocket cover

Any suggestions? Should I tell them? On the one hand, I'd like my policy to cover the bike as it is, but I don't want to alarm them about the degree of modification.

(actually, this post is just a way of publicising the bling on my bike ;D )

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pepsduc

· #2 · Nov 1, 2006

GeoffB said:
(actually, this post is just a way of publicising the bling on my bike ;D )

[laugh] [laugh] [laugh]

well, surely you want all that stuff covered by your policy should the worst happen?
would you then have to do it as agreed value?

have you had a quote from Shannons?
i found them to be more competitive on price and be more sympathetic to bike owners. they cover riding gear too.

just my 0.02c.
if anyones found better insurance, would love to hear of it

G

· #3 · Nov 1, 2006

I have FHE with WQBE and non-agreed value, but not in the same sense - It was my fault - did not declare the aftermarket parts prior to accident and therefore not covered.

I can tell you that NRMA have limits on what they will pay for various things - and this IS with an agreed value policy.

All I can say is make sure to talk it through with them and be brutally honest with your insurer regarding your history and any modification you have done. You certainly do not want to find out the hard way, when you go make a claim and they start telling you no, read the fine print...

WQBE is one of the more cost effective insurers out there. You get what you pay for, so I would be really carefull in studying the fine print..

r_usty

· #4 · Nov 1, 2006

Hi Geoff8,
I recently rang WQBE to get all my bits a peices covered - this was when I relised that there was nearly $5k worth of bits a peices - they were very helpful and told them everything - PowerCommander, DP Exhaust, etc... They set it up as an agreed value. Not quite what the whole lot cost but close. Cost me an extra $110 PA so I was happy to pay - I have found them much better to deal with than Shannons.
Hope this helps - I agree with others - Tell the whole truth etc...
R_usty

GeoffB

Discussion Starter · #5 · Nov 1, 2006

Thanks. I was just a little concerned that they might baulk at some of the mods.

I'll give them a call and see where we go from there.

howley

· #6 · Nov 1, 2006

Shannons are a crock of sh*t. They only cover you if you are an 'enthusiast', which means you only ride your bike on the weekend or at rallies. What a load. I think riding your bike every day rain or shine is pretty enthusiastic.

06620

· #7 · Nov 2, 2006

hey guys,

re WQBE....i have a query.

do/would insurance co.s such as WQBE cover you should your bike be stolen or dropped whilst being test ridden during a potential sale?...
(private sale at that)

ta

Craig

GeoffB

Discussion Starter · #8 · Nov 2, 2006

I think you will be covered as long as you have taken basic precautions, such as determining that the rider has a valid license, and have tried to verify the rider's identity (photo license).

I know it is covered if a mechanic drops it in a test ride. I can check my policy if you like.

Wanwo

· #9 · Nov 2, 2006

You've got nothing to lose by telling them all you've done but they may not cover everything. I have an agreed value policy with them but I could not convince them to cover the full replacement value of the bike. I have it about 95% covered. I'll try to convince them to up it next year, citing inflation or whatever. I AM reasonably satisfied with WQBE. I've been with them for most of my bikes. Their premiums are very competitive but I've never had to make a claim. I wasn't filled with a lot of confidence when I first applied for my monster. The woman says, 'Ducati. Is that an imported bike?'

Shannons! They wouldn't insure me because when I bought the monster I wasn't a current rider. This is my 7th bike and I've had my license for 19 years. Hmm. Who dreamed up that policy? Don't buy Shannon shares.

BTW, how about some pics of your mods?

test-reg

· #10 · Nov 3, 2006

Wanwo said:
I AM reasonably satisfied with WQBE. I've been with them for most of my bikes. Their premiums are very competitive but I've never had to make a claim.

FWIW, I've made two claims on my WQBE insurance, one my fault and one not-at-fault. Both were dealt with in a perfectly satisfactory manner by WQBE.

With the at not-at-fault claim there was a minor problem (mostly Northside Motorcycle's fault) where the left hand fork dumped it's oil out the day I got it back from repair because there was un-noticed damage to the slider chrome - WQBE did hold things up a little by getting Northside to just replace the forkseal to see if that'd fix the problem (which, of course, it didn't), but as soon as that failed they approved the ~$1800 for a new forkleg. It ended up only having the bike in the shop another 4 days...

On the plus side, with that same claim they chased the at-fault drivers insurance for my helmet and gloves (which aren't covered under my policy), and asked if I wanted them to claim a new jacket for me too (to which I - perhaps foolishly - said "no"...)

big (the other reason I like WQBE is they're about 40% cheaper than anyone else for greenslips on the Spada!)

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pepsduc

· #11 · Nov 3, 2006

i need to review my insurance policy....

G

· #12 · Nov 3, 2006

pepsduc said:
i need to review my insurance policy....

Joe, is that is in fact the case, do it and do it today! If nothing else, get notification to your insurer of your new items, so it is on record.

pepsduc

· #13 · Nov 3, 2006

goldFiSh said:
Joe, is that is in fact the case, do it and do it today! If nothing else, get notification to your insurer of your new items, so it is on record.

Good thinkin' 99! [thumbsup]
i'd hate for all my new Rizoma and CycleCat gear to not be covered [cheeky]

GeoffB

Discussion Starter · #14 · Nov 3, 2006

Western QBE didn't even blink. I phoned them, got an e-mail address for the person I was speaking to and e-mailed the list in. It will show up as accessories on my next renewal.

So, Pepsduc, when's your CC stuff going on? Next week? The garage is clean, apart from a CB250RR that's come to stay for a couple of weeks

pepsduc

· #15 · Nov 3, 2006

next week is perfect mate if your garage is up for it! [thumbsup]

i just couldnt help myself...... i've already started pulling stuff off the bike. i'll put it all back together enough to get it to your place.

have you received your ohlins rear shock yet?
will you be putting it on this week?

G

· #16 · Nov 3, 2006

I gotta say you WA fellas (geoff and joe that is) are being good ol regular bling kings!

GeoffB

Discussion Starter · #17 · Nov 3, 2006

goldFiSh said:
I gotta say you WA fellas (geoff and joe that is) are being good ol regular bling kings!

It's our way of working through the feeling of inferiority at not living in the Eastern States

Anyway, clipons, rearsets, triple clamps and open clutch covers aren't bling; they are essential adjustments to the riding posture (except for the open clutch cover - that's for warning pedestraians that you're coming through).

I'm not selling this bike! The thought of putting all the stock stuff back on is too depressing.

Now, high compression pistons, maybe....

G

· #18 · Nov 3, 2006

GeoffB said:
It's our way of working through the feeling of inferiority at not living in the Eastern States

Anyway, clipons, rearsets, triple clamps and open clutch covers aren't bling; they are essential adjustments to the riding posture (except for the open clutch cover - that's for warning pedestrians that you're coming through).

I'm not selling this bike! The thought of putting all the stock stuff back on is too depressing.

Now, high compression pistons, maybe....

inferiority! that's funny

OK, I have long accepted the virtue of 'aesthetically pleasing performance enhancing items", and whilst in some circles bling is a dirty word, not around here! I'll even go as far as totally agreeing with you the clip ons and rearsets are more great performance additions, but I do note in the same breath that you have chosen cyclecat billet [thumbsup] quality looking units, not the lowest common denominator.

As for safety features - ask my wife - shes knows all about the "safety features" of race level pipes that I desperately needed when I got my monster. ;D

Anyway geoff, all power to you. I once thought I could resist (I'll just do the pipes, I'll just do the pipes - yeah sure!) Once you start down the path, you cannot return...

BTW, I also have the cc rearsets and they are awesome. I marvel at how over complex the rear brake assembly is ??? but hey what the hell, they look cool...
If you have not had much of a chance to ride with them yet, don't worry, you'll love em!

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GeoffB

Discussion Starter · #19 · Nov 3, 2006

2

goldFiSh said:
OK, I have long accepted the virtue of 'aesthetically pleasing performance enhancing items", and whilst in some circles bling is a dirty word, not around here! I'll even go as far as totally agreeing with you the clip ons and rearsets are more great performance additions, but I do note in the same breath that you have chosen cyclecat billet [thumbsup] quality looking units, not the lowest common denominator.

As for safety features - ask my wife - shes knows all about the "safety features" of race level pipes that I desperately needed when I got my monster. ;D

Anyway geoff, all power to you. I once thought I could resist (I'll just do the pipes, I'll just do the pipes - yeah sure!) Once you start down the path, you cannot return...

BTW, I also have the cc rearsets and they are awesome. I marvel at how over complex the rear brake assembly is ??? but hey what the hell, they look cool...
If you have not had much of a chance to ride with them yet, don't worry, you'll love em!

Function and form; or, better, form through function. Yep, the CycleCat gear is beautiful to look at. It's probably just as well I don't have a wife/girlfriend to consider- she would be jealous (and no capital expenditure approval process, other than my 10y.o. who queries the time & money occasionally).

The clipons and rearsets helped me towards the result below. On a track (a tight slow one), but the riding position is much better. It feels a lot more natural in the corners now. Even being able to tuck my elbows in is great. Can't wait to have another go with the lowered front and Ohlins rear shock ;D

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monstermick58

· #20 · Nov 5, 2006

GeoffB said:
The clipons and rearsets helped me towards the result below. On a track (a tight slow one), but the riding position is much better. It feels a lot more natural in the corners now. Even being able to tuck my elbows in is great. Can't wait to have another go with the lowered front and Ohlins rear shock ;D

MMMMM......... Nice photo [thumbsup]

Mmick

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