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Swivel on it
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11,659 Posts
Discussion Starter #1
I've taken a load of pics of my bike + mods in case it ever gets stolen. What's the likelyhood of ICBC accepting those photos of proof of me having installed exhaust, PC3, etc etc? I have reciepts for MOST of the mods, but not all ....
 

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Swivel on it
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11,659 Posts
Discussion Starter #3
Would email receipts count? All my stuff is bought online
 
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there is this company... called icbc... i bet if you called them they'd give you an idea of what you need to do to ensure you are covered for all your mods.
 

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Swivel on it
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11,659 Posts
Discussion Starter #5
But they're closed now. This place is open. Thanks for the idea though ;)
 

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Ridin hard n dirty
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4,080 Posts
Yup Pics and receipts all played a part in me getting a fair settlement when one of my bikes was stolen....you can tell them till your blue in the face what you had but without any kind of proof they will only give you book value....

Kinda like when you upgrade your car stereo ...unless you have proof that you had a sub and amps you aint getting shit...now they make you buy extra insurance for high end stereos
 

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Registered
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6,127 Posts
nope ICBC will still fuck you. Best mod you could have bought yourself is a Bikebrace or Bikeboot. Thats the first mod I did to my gixxer and hey guess what, I still have my gixxer.
 

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contradiction incarnate
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2,748 Posts
Yup Pics and receipts all played a part in me getting a fair settlement when one of my bikes was stolen....you can tell them till your blue in the face what you had but without any kind of proof they will only give you book value....

Kinda like when you upgrade your car stereo ...unless you have proof that you had a sub and amps you aint getting shit...now they make you buy extra insurance for high end stereos
doesn't the "up to 5 grand in special equipment" still apply?

it used to be that you only needed to purchase extra coverage if you had over the 5 grand.
 

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streets belong 2 us
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1,850 Posts
pics help.. when my car was broken into a couple years ago i didn't have receipts but i had photos of the amps in the trunk prior to theft.. unfortunately they only cover one amp but without the photo i wouldn't have gotten any money..
 

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Mmm...beer
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2,144 Posts
I usually take pics of the part, before and after install, attach copies of the cheque/receipts to it and file it away. Better safe than sorry.
 

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bastardizer
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1,151 Posts
They (ICBC) will gladly accept your contributions to increased isurance for aftermarket additions to the bike that will increase the value of it, but will not tell you that they will only pay you out for the stock bike. Maybe give you a couple hundred bucks for the trouble and thats with receipts.
Get whatever the broker says in writing. Be a bastid and write it on the agreement and have them initial it.
 

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Gear Driven Cams
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4,411 Posts
They (ICBC) will gladly accept your contributions to increased isurance for aftermarket additions to the bike that will increase the value of it, but will not tell you that they will only pay you out for the stock bike. Maybe give you a couple hundred bucks for the trouble and thats with receipts.
Keep in mind that many (but not all) common aftermarket upgrade parts are cheaper than the stock parts that they replace. For example, if you take your stock bike and remove the stock signals to install flushmounts, chances are the flushmounts are cheaper than buying a new set of stock signals. And have you ever priced a new exhaust can for a Honda? You'd think they were made from gold. So don't expect your settlement to equal the cost of your bike stock plus the cost of your aftermarket parts. If ICBC wanted to take the time, they could total up the removals and the additions and see where it really came out, but in most cases you'd be on the losing end.

Furthermore, if you do these upgrades, you should have a bunch of stock parts left over that are worth something, unless you've already sold them (in which case you've already been compensated for them).
 

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Mmm...beer
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2,144 Posts
Does it work the same for bikes as it does with cars? They'll cover $5,000 in upgrades on your standard policy, and anything over that requires additional coverage?
 

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Eh Muh Gawd Becky!!
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6,648 Posts
when my bike was stolen i gave them some pics and reciepts and got treated very well. pics were printed off my puter. without pics and reciepts i woulda got not a hecuva lot cause i only paid $2400 for my ZX7. put a couple grand into it and got everything back!!
 

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Registered
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2,496 Posts
doesn't the "up to 5 grand in special equipment" still apply?
it used to be that you only needed to purchase extra coverage if you had over the 5 grand.
Does it work the same for bikes as it does with cars? They'll cover $5,000 in upgrades on your standard policy, and anything over that requires additional coverage?
Your auto or pickup, or rather the premium for your car or truck is determined by a "rate group," which you wills ee on your insurance documents.
Rate Group vehicles have coverage for the extra $5,000 (in addition to a bunch of other stuff).
Your motorcycle premiums are based on "Declared Value," and thus, does *not* have the extra $5,000 insurance...because you declare the value of the item you want to insure.

See?
Coverage for equipment
122 (1) Where the premium for a motor vehicle insured under this Division is determined by vehicle rate group, coverage is provided for loss or damage to the equipment specified in column 1 of the Table in Schedule 3.1, subject to any limit specified in that column on the number of items for which indemnity is payable and on the amount of indemnity.
Then, I slip over to Schedule 3.1......
Oh shucks, it doesn't cut and paste so please go here:
http://www.qp.gov.bc.ca/statreg/reg/I/InsurMV/InsurMV447_83/447_83-Sch3-1.htm#schedule3-1

And now to the original poster:
Pictures work well, however, there is a subtle art to photgraphing these things. If you go close in and just show the item (let's say a chromed, er, carbon fibre crank case housing, ensure it's also visible in another shot, proving positive it's a picture of your motorcycle, not a collage of your trip to SBW and adding up the photos of all the bling you wanted to have, that was on someone elses motorcycle.
So, take a few shots first, one from the left side, 3/4 view front and back (that gives you the front and one side) and the right side, 3/4 view (that gives you the back and one side....and the all important plate number). then directly on each side, then you can go wild with your close up shots. That, along with receipts, should suffice. BTW, the plate also shows the approximate time of the photos, correct? On account of the sticker being there, and the valid plate. I would log what dates the photos were taken too.
 

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Swivel on it
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11,659 Posts
Discussion Starter #20
Thanks for the advise - i've already taken a couple of wider shots (including the plate), but i think i'll get a few more to be covered. Thinking i'll upload them to a private gallery online as well, so that'll show date created etc ... :)
 
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