NooB Insurance Question

[DrNo08]

Just got a used 695 with the Termi Kit/ECU/Airbox already installed but I'm on GEICO setting up my insurance.  It's asking me about "JET KIT" and "What Stage Is It?", etc.  I don't know if the ECU qualifies as a jetkit or not.  The bike is not stock so I'm not sure how to answer this question.  I'd appreciate your input.  Thanks.

[Buckethead]

Bike is fuel injected. If their database doesn't comprehend that concept, then don't even worry about it. The DP ECU is not a "go-fast" add on. It's to smooth out fuel delivery at low RPM and correct an overheating issue.

...Right? 

[DrNo08]

I gotcha.  I'm just don't want them to deny my claim one day b/c I didn't tell them I had a "jet kit". 

Technically speaking, is the ECU considered a jet kit and if so, what stage would it be?

[Buckethead]

I understand your apprehension. Insurance fraud is bad, m'kay? Unfortunately, I don't have an answer for you.

Doing a little bit of looking on the DynoJet web site, it looks as thought the major difference between a Stage I and a Stage II kit is that the Stage II kit is designed to be run on a bike with the airbox lid completely removed. While the Termi kit comes with a hi-flow air filter, it does not change the actual lid.

By that logic, the DP ECU should be considered a Stage I kit.

HOWEVER, since you're looking at using Geico, now would be a good time to pick up the phone and call one of their policy question lines. Your bike is fuel injected and they're not asking legitimate questions.

Also: I don't know where you live or what sort of driving record you have, but I have not found Geico's rates to be very competitive. When I was looking for insurance on my Monster last year Geico's rates were about twice what I found at some other places.

State Farm and Foremost both classify the Monster as, I believe, a standard. Geico classifies it as a sport bike. If you haven't yet, shop around.

[DrNo08]

I understand your apprehension. Insurance fraud is bad, m'kay? Unfortunately, I don't have an answer for you.

Doing a little bit of looking on the DynoJet web site, it looks as thought the major difference between a Stage I and a Stage II kit is that the Stage II kit is designed to be run on a bike with the airbox lid completely removed. While the Termi kit comes with a hi-flow air filter, it does not change the actual lid.

By that logic, the DP ECU should be considered a Stage I kit.

HOWEVER, since you're looking at using Geico, now would be a good time to pick up the phone and call one of their policy question lines. Your bike is fuel injected and they're not asking legitimate questions.

Also: I don't know where you live or what sort of driving record you have, but I have not found Geico's rates to be very competitive. When I was looking for insurance on my Monster last year Geico's rates were about twice what I found at some other places.

State Farm and Foremost both classify the Monster as, I believe, a standard. Geico classifies it as a sport bike. If you haven't yet, shop around.

- You are the man.  Thanks alot.

[Buckethead]

- You are the man.  Thanks alot.

SHHHHHHHHHHH!!!!!!!! 

I don't want word getting out.

Do you have any idea how many anarchists are trying to kill me?

Oh, and welcome to The Board!

[darylbowden]

I understand your apprehension. Insurance fraud is bad, m'kay? Unfortunately, I don't have an answer for you.

Doing a little bit of looking on the DynoJet web site, it looks as thought the major difference between a Stage I and a Stage II kit is that the Stage II kit is designed to be run on a bike with the airbox lid completely removed. While the Termi kit comes with a hi-flow air filter, it does not change the actual lid.

By that logic, the DP ECU should be considered a Stage I kit.

HOWEVER, since you're looking at using Geico, now would be a good time to pick up the phone and call one of their policy question lines. Your bike is fuel injected and they're not asking legitimate questions.

Also: I don't know where you live or what sort of driving record you have, but I have not found Geico's rates to be very competitive. When I was looking for insurance on my Monster last year Geico's rates were about twice what I found at some other places.

State Farm and Foremost both classify the Monster as, I believe, a standard. Geico classifies it as a sport bike. If you haven't yet, shop around.

Since they asked for a jet kit on an FI bike, say no, you don't have one - they can't hold it against you on account of them being morons.

Also, I have used GEICO here in CA for years for both my car and bikes and they have always been the cheapest option I could find.  I can also speak for their customer service as I had a 749 stolen a few years back and they were very helpful and I received my settlement quickly.