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I'm thinking of doing the M4 full exhaust for my Ninja 400, but I've heard it can be an issue with getting coverage from the insurance company. I called up my insurer (Pacific Specialty), and they said there were no restrictions, other than anything that would alter the bike for "high performance racing," which is kinda sorta what the full M4 exhaust is. In addition, they were kind of iffy about it being covered in case of a total loss, because apparently my "accessories" coverage might not cover the cost of the exhaust (even though my final claim offer for my stolen Ninja 300 did include the price of the M4 exhaust on that bike).
Anybody have any experience with exhaust mods and insurance coverage? I just don't want to go through the trouble of buying such an expensive exhaust, and then going to the trouble of learning how to install it, when my insurance company might void my coverage.
Anybody have any experience with exhaust mods and insurance coverage? I just don't want to go through the trouble of buying such an expensive exhaust, and then going to the trouble of learning how to install it, when my insurance company might void my coverage.