Hi Stefan,Thank god that we don’t have to tell our insurance company’s anything about upgrades like flash exhaust etc. I do have the accessories ensured separately. Because if I crash and get a standard exhaust (example) in return instead of my akra I’m pissed. But we don’t have to tell about power upgrades, they don’t care .
Most UK vehicle insurance policies require full details of any modifications. My Insurance Documentation includes this definition:
A modification's any alteration to your bike from the manufacturer's standard specification. This includes, but isn't limited to:
● Bar ends
● Changes to the air filter
● Heated grips
● Braided hoses.
If you cover your bike in farkles then filling out the info on the insurance form is a real pain in the butt. Whether they need all this info' to properly assess the risk/value of your bike and/or have an excuse not to pay out is a matter of opinion