I've been having the same problems with my insurers. Have they not noticed how much MAMILs are lashing out on their weekend toys these days? My race bike was £2.5k 20 years ago, but loads of insurers still think that's the absolute maximum a bike could possibly cost in 2012. Wankers.
Addressing your question; make sure you tell the insurer that you're insuring a £4k bike and will be self-insuring the excess if it's wearing expensive jewellery. Don't give the fuckers an inch of wiggle room.
I've been having the same problems with my insurers. Have they not noticed how much MAMILs are lashing out on their weekend toys these days? My race bike was £2.5k 20 years ago, but loads of insurers still think that's the absolute maximum a bike could possibly cost in 2012. Wankers.
Addressing your question; make sure you tell the insurer that you're insuring a £4k bike and will be self-insuring the excess if it's wearing expensive jewellery. Don't give the fuckers an inch of wiggle room.