Quote:
Originally Posted by geo7863
I would, they would undoubtedly screw you for more wonga, but definitely refuse a payout if she was nicked. The paint job wont matter for performance sake, but they would argue that the carbon and termis do and in the case of a crash, they probably wouldnt pay out either as the performance capabilities of the bike have been altered.
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Correct, in short.
Moreover, not all insurance cos. hike the premium: some simply make a note and say that they won't pay out for the replacement cost of Termis in the event of an accident, but don't actually raise the premium. I seem to remember some posting on here that Ducati Insurance took that approach. Ask / shop around - and do report back.