Bike lovers who mainly live in cities can easily opt for various modifications to elevate their two-wheeler’s aesthetic value. Various local garages to seasoned professionals around the town provide these services at attractive costs. But did you know that your vehicle’s insurance premium might get affected owing to specific customisations? 

This article will give you a brief idea of how bike modifications affect bike insurance. 

In simple words, it does. Whenever you make changes to your bike, the insurance company evaluates the motive behind doing so. Typically, the impact of bike modification on bike insurance is positive when you have chosen safety enhancements. 

Similarly, many bikers desire to elevate their bike’s engine output or significantly change its physical structure. Depending on the extent of refurbishment, the consequent premium amounts for insurance are bound to vary. Therefore, you should know the consequences and maintain a healthy mix of modifications.

It is crucial to abide by specific regulations while planning to opt for bike modifications. Here you can take a look at them:

1. Local Regulations

Specific vehicle modifications demand special certifications or permissions in many regions. Hence, it is recommended to conduct thorough research before proceeding; otherwise, you may need to pay hefty fines. In the worst-case scenario, the authorised body can seize your vehicle.

2. Purpose of Modification

Local modifying hubs or garages are well aware of the rules. So, you must communicate your expectations efficiently to them to get the best-suited alterations. The experts consider your budget and try to integrate safety mechanisms that are compatible with your bike model.

3. Disclosure to RTO

Check your local RTO’s website or consider visiting the RTO rooms to have a fair idea of what you are getting into. Disclosing modding specifics to the registered personnel is mandatory to avoid fines.

4. Notifying the Insurance Company

Several modifications have a noteworthy impact on your insurance premium. Thus, you should keep track of all the upgrades and disclose them to your insurer while renewing the policy. It ensures hassle-free claiming in the future. 

Finally, most bike manufacturing companies recommend avoiding modifications, especially when the bike is under warranty.  This provision is valid as modifications can attract unexpected repair costs. Hence, you can speak with your bike dealer if you need clarification. 

Now that you clearly understand how bike modifications affect bike insurance, you can make better decisions based on model compatibility. Not all bikes can accommodate an intended modification. Therefore, it is important to do sufficient research to avoid safety issues and higher premiums in the long run.