i declared all mine, actually now you mention it, i AM UNINSURED

i forgot to tell them its not red and white anymore

 

My uncle is an insurance broker and I'm sure knowing him, he wouldn't pay out if you even painted your ash tray blue...

Insurance is BIG money

 

Declaring things on insurance is really down to common sense, I would have thought - If you make cosmetic mods, such as wheels or spoilers or splitters and of course lighting etc, then yes, of course you need to tell your insurance company - You are affecting your premium in terms of the cars attractiveness (debateable for some mods ) and therefore its appeal for thieves - Do you need to declare guages? I would say not - But it might be worth telling them

 

If that's the case, demand your entire premium back after 11 months, as they are not insuring you and their 'product' is not fit for purpose, as it's not doing the job you paid them to do.

 

Just spoke to Aplan to tell them of my mods and its put my insurance up by £30.
They did say £60 to start with but got them down.

Car and mods:

53 wrx in black

Mods:
mudflaps - declared
ARB (whiteline) - declared
Stainless steel exhaust - declared

Also told them i`ve upgraded my stereo and speakers.

So get your mods declared people

 

i had my policy increased when they were told about the PPP, granted, not by much, but its listed, and if they dont understand, its there problem TBH, i have the written details proving they knew.

However, they know about the reat spoiler, that didnt change anything, then when the decals were applied, that really changed the appearance, again, it did nothing at all



john

 

Often insurers won't charge for limited cosmetic mod's eg alloys. However, its better to inform them. They WILL usually charge a bit more for full non-standard bodykits and certainly for performance mods.

Often if you have failed to disclose mods they will calculate the back premium and deduct this from the claim, rather than repudiating the claim altogether.
However, the result could still be the same ~ you get bugger all !

Andy (Insurance Claims Adviser)

 

Just to add - make sure you get it in writing!

I declared my mods but when I had to make a claim recently due to theft of my Classic the company dealing with the claim (not the company I insured with - they pass it on to a claims service) said they had no record of me declaring the mods and as such it could cause problems with my claim.
Fortunately a quick phone call to my insurance company sorted it out as they did indeed have a record of me declaring the mods and it was a mix up between them and the claims service, however I had nothing at all in writing to back me up so it could have been a case of my word against theirs.

 

There is only one way to insure an Impreza

ALL mods declared; insurance policies are based on absolute disclosure, fail to tell them about a mod, even one that doesn't improve performance and you're risking it!

As for peole driving around with 3rd party insurance or in as a "named driver" don't get me started on that!

Ns04

 

~ Indeed ! When I notified A-Plan of my mod's I got them to send me a letter detailing the mod's they had listed. The mod's only added £90 to my annual premium - the joys of advancing years !!

 

I renewed recently with Frizzell.
When asked about any mods, I told them I'd put mud-flaps on. He laughed and said that didn't matter - only mods that would affect performance. That said, if I'd put expensive alloys on or even Prodrive mudflaps at £400 (rather than the £20 ones I ended up with ) I'd want them listing, to make sure I got them back if the car was nicked.

 

Out of all of the people who havent declared all or every modification to their car; virtually none will be driving 'uninsured' (and none with a policy are driving without third party cover). This doesnt mean that insurance companies (or rather their employees) havent tried it on to some degree; but an undeclared modification should only reduce a pay out (to you; never to a thrid party) by the amount that your premium would have increased had the alteration been declared. Where the insurers would have refused the risk then you stand to lose out but any person who has need to claim against you will always have their claim honoured. Sceptics can satisfy themselves here.

Simon

 

Just checked on confused.com. 538 quid for my car standard, 1158 quid with declared mods (ss exhaust and air filter) ROBBERY.

 

Seconded !! That's all on the ball.

Andy Mc

 

Yes it is ! A-Plan only charge a percentage, normall 10-20% depending on the bhp increase (which you tell them).

 

I always thought that insurance companys wouldnt know about mods such as Ecutek remap and uprated clutches and stuff that they cant really see or check.

But for instance if a hose split on my car and I changed it to a stronger Samco hose same goes with any other standard part that breaks would that invaladate my insurance because i didnt replace it with the standard item.

 

It isn't quite a matter of repudiating your claim because something has not been disclosed, as mentioned previously.

There has to be a specific question on the proposal completed/answered at policy inception (eg "Has the vehicle been altered to affect it's performance", or "Has the vehicle been chavved up ?"). This makes anything relating to the question a "material fact".

Also, the information which you failed to disclose has to be a rating issue - in other words something the insurer would have charged more for or refused to accept the risk had they been aware of it.

 

i fitted some samcos a while back best get on the phone and tell them in the morning just to be safe