Hi Phil. Loved the sound, but do not need more power, the standard set up is more than enough power wise! Cheers
Agreed, but why do dealers fit them to road bikes? Most it is not a problem but surely it is a big cluster just waiting to happen? Anyway, I only wanted to talk insurance. Safe riding..
No, the Ducati's seem to be fairly unique in the case of the 848/899 where the catalytic converter is in the silencer itself. Take the daytona for example or all of the jap 600's, the catalytic converters are in the headers. The simple answer for Ducati's is to only run the official 'E' marked aftermarket products.
Had an accident last year.... Was wearing my Simpson, with a dark visor.... Was never called into question.... Apparently a dark visor will only be called into question if it was a direct result of the visor... Not arguing with anyone... Just in case anyone wondered....
No idea, depends on whether or not their exhaust system is road legal and whether or not it is declared.
I was fully insured with my 'not for road use' full system on the 848. Just declared it at point of sale. Interestingly some insurers have the options for you to specify what type of exhaust you have ie road legal <5% power gain etc. In the event of a theft it could be a contributing factor, but accident possibly not.
If I had not questioned the policy statement "after market exhaust" I would not have discovered the under writers requirement for the "after market exhaust" to be road legal for the insurance to be valid. The insurance companies (several big named ones) would happily have taken my money and sent out insurance documentation. The declarations you make during the application phases are binding and used by the underwriters to calculate the risk. In law the insurance is only offered against the declared information. The onus is on the person purchasing the insurance to check both they are happy with the cover being offered and meeting any stipulations made by the underwriter/insurance company. Putting on a race exhaust which is stamped and advertised as being illegal for road use is a rather obvious deviation from the insurance conditions. Insurance is obviously a legal requirement but I am looking for peace of mind that in the event of something untoward happening my insurance will cover me. What I do find strange is why Ducati chose to develope a non road legal exhaust for what is essentially a road bike. I loved the smooth fuelling and sound of the full termi set up, the power of the standard bike is more than enough for my needs/ability to use it. Looking at the various quotes I got many companies have the "after market exhaust" <5% power increase clause. I think it is recognising that there is a large market for people who want to customise the look and sound of their bike and that whilst these systems can add to the insurers risk (cost of replacement) they tend not to significantly alter the risk by increasing performance. Safe riding
Ps, I just got my new policy document through from Bennetts. I have declared my exhaust and it makes no reference too it other than in the field marked 'is the bike modified from standard specification' they have marked 'yes'... Interesting that they haven't specified the exhaust but no where in the document or cover note is there space to specific the mod
Aye, same on the proposal documents I had. There is not a problem if you declare the exhaust so it appears as a mod AND it is an EU approved item. It was the underwriters I ended up talking to as the telesales staff were not sure. Interestingly the various companies had very different approaches to recording accessories, some wanted all the detail, others did not bother to record it as it "was not a problem". Cheers
Agreed, goes without saying that if u find an underwriter that agrees it's not an issue to have a full system if declared then make sure u get proof via email or letter. I'm actually underwritten by Zenith
Someone I know wrote off a 916 which had lots of non standard parts on it including carbon termis, single seat etc, mot had run out a week before (genuine mistake) and was still paid out more than the bike had cost originally no problem. The insurance documents did not mention an mot, only that the vehicle must be roadworthy. Another friend of mine wrote off a gsxr 750 which was recovered to another friends shop. The shop owner was lying on the floor trying to get off a stuck aftermarket non road legal can to put the standard one back on when he looked up to see someone standing there who turned out to be the assessor, coming to see that very bike. Paid out no problem. In my experience of having a close friend in the trade, none of the assessor ever sent to the shop had a clue about bikes, but were generally car assessors. I wouldn't risk not declaring modifications myself, but both of the above paid out with no issues, having not been declared at all.
