50 or 55 profile rear Tyre??

Discussion in 'General 1000RR Discussion' started by PauloHRC, Feb 8, 2018.

  1. mJZ

    mJZ Active Member

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    Do you declare the change to insurance companies? After all it's different than standard size.
     
  2. TheMickster

    TheMickster Member

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    I haven't but i've declared everything else so don't think it would make any difference to the price, prob best to do it when I renew. i'll just put a 190/50 back on the 7R as will only be using it on the road now.

    Looking at Bennetts they have this bit under the wheel change section:

    Wheel Changes
    We don’t need to know if you’ve replaced like-for-like wheels, i.e. following a collision or different colour wheels of the same spec.

    We do need to know if they are changed from original manufacturer specification, e.g. size, width, number of spokes, manufactured materials (chrome, carbon or alloy, etc.) and so on. If your replacement tyres are a different size or speed rating to the original specification you must tell us - of course they must be road legal.

    Don't know if this covers width changes only or profile change too?

    Wonder if they would try and get out of paying if you had a better specification tyre (speed rating etc) than originally required :)
     
  3. nigelrb

    nigelrb Active Member

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    They've got it covered with: 'We do need to know if they are changed from original manufacturer specification . . .'

    This might present a conundrum for track riders if MCE have a similar clause. We know MCE cover for track days. It is not unreasonable to select a more suitable track tyre (width or profile). MCE policy holders might be wise to explore this. Having said that, the huge voluntary and statutory excess levied by MCE might prevent most track claims.
     
  4. Blade runner 1

    Blade runner 1 Active Member

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    Spoke to customer service at Bennets today regarding a different tyre profile and was told you don't have to notify them about fitting different tyres. That's not to say all insurers have the same view.
     
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  5. TheMickster

    TheMickster Member

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    One of mine will be ok then :)
     
  6. nigelrb

    nigelrb Active Member

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    That totally contradicts the extract poster by @TheMickster .

    Where a conflict arises from two statements, ALWAYS adopt the written because verbal is not worth the proverbial piece of shite. Even if you had the name of who gave the verbal information, they will ALWAYS deny it when it comes to the crunch.
     
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  7. TheMickster

    TheMickster Member

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    I imagine the bit from Bennetts is really to cover someone adding a wider or larger diameter wheel, but it leaves it a bit vague. i've declared that i've got carbon wheels but not that it's got a 200 section rear. (rim is the same dimensions as standard).

    I read this from Bridgestone so it would be even more of a minefield when it comes to the technicalities :)

    “When tyre companies make tyres we can legally make them +/- 4% of their actual badged size. Therefore a 200-section may not actually be 200mm wide; it could be 192mm wide. Or a 190 could be 197mm."
     
  8. Blade runner 1

    Blade runner 1 Active Member

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    My next plan was to email them when I get a chance in order to get a reply in black and white so to speak. It also depends on who you talk to. The guy I spoke to put me on hold so he could go and ask his manager.
     
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  9. raphael

    raphael Senior Member

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    i read somewhere on the many tyre threads on here that Honda offer a 55 profile as an option so wouldn’t imagine you have to say anything? When my bike got written off the only thing he looked at with the tyres was if they had tread.
     
  10. nigelrb

    nigelrb Active Member

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    A tyre company might offer a '55' as an option, but I am not sure that Honda itself would given that Honda is specific in our Owner's Manual and swing arm stickers (for those who haven't removed them:)) that the 'Recommended tyres are: 120 X 70 and 190 X 50.'

    Not wishing to be argumentative (because there is one member who claims me to be 'annoying') and applying a purely 'devil's advocate' position, I suspect an insurance company would rely on that recommendation if it - as insurance companies do - want to manufacture a 'get out' reason of a claim. Agreed, I am taking this to the extreme, but then that is what we often face with belligerent insurers.
     
  11. raphael

    raphael Senior Member

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    That’s fair enough Nigel, I had a different tyre on my last bike and the insurance surveyer didn’t even look! Wasn’t inteeested in the slightest and even said I could put the old back on as the ones on were less than 500 miles old.
    Paid out within two weeks.
     
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  12. mJZ

    mJZ Active Member

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    I just bought a new set of Michelin Power RS with 190/50 rear tyre. I tried 180/55, 190/50, 190/55 tyres on this bike I know I can live with 190/50. The bike is used 100% as a road bike - only in dry weather conditions.

    I don't need to declare anything.
     
  13. Apollo

    Apollo New Member

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  14. nigelrb

    nigelrb Active Member

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    I've followed many tyre threads (not treads:D) and found the same conclusion. If you're a dry weather only rider consider the Pirelli Super Corsas, but the word is they're crap - bordering on dangerous - in the wet.
     
  15. Apollo

    Apollo New Member

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    I'm.. but I live in Scotland, so you do get caught out quite often regardless of the forecast lol
     
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  16. Manofsteel

    Manofsteel New Member

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    I can vouch for that the most scary ride ever was Liverpool to Hartlepool at 3 in the morning in torrential rain the whole journey and up to an inch of standing water most of the way on supercorsas the journey took over 4 hours my arse was two and six all the way never again supercorsas gone rosso 3's on now much more compliant
     
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  17. nigelrb

    nigelrb Active Member

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    No doubt that was before you were a 'Manofsteel'.:)

    I don't plan to ride in wet, but as @Apollo says, it's not difficult to get caught out. I did dread that happening - and now I dread it even more:(.
     

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