Premiums for brake upgrades ??
12 October 2002, 08:34 PM
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Anyone been charged extra for up grading their brakes.
Did mine and my insurance classed it as a safety mod and no extra charge
Pat on the back for them
Andy
Did mine and my insurance classed it as a safety mod and no extra charge
Pat on the back for them
Andy
17 October 2002, 11:30 AM
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I just declared mine (TSL grpn+) to ESD and they didnt charge any more - they just wanted to make sure that the disks were correct for the vehicle.
T.
17 October 2002, 01:18 PM
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It seems that some insurers see mods as an excuse to make more money out of their clients.
It all depends on whether or not the insurer would be prepared to cover you for the full replacement value of them.
This is always worth checking with your insurer before you fit mods.
Performance mods - generally are a higher risk...though driver
experience is sometimes considered.
Cosmetic mods - could (arguably) make the car more attractive to a
potential thief - higher risk in an insurers eyes.
As for brakes - if you upgrade your brakes by replacing the pads with similar items, or fitting slightly bigger discs or braided hoses at not much extra cost, then I would hope that an insurer would see that they would improve the stopping ability of the vehicle and wouldn't necessarily make it more nickable.
Also, the new bits probably wouldn't be worth much more than new official Subaru parts.
If, however you fitted racing AP 6 pots for around £1500 and the insurer was prepared to fully cover you for them, then I would understand if they wanted a small contribution towards the cover.
Whatever you fit - make sure its done professionally - insurers don't like DIY'ers.
Generally, if you are buying a car and intend to modify it in any way, when you shop around for quotes, make sure you end up with an insurer that will a) cover a modded vehicle
b) not sting you if you do mod it
c) knows what they are talking about when it
comes to mods
Price isn't always the most important thing !!
Just me 2 penny's worth..
Cheers,
John
It all depends on whether or not the insurer would be prepared to cover you for the full replacement value of them.
This is always worth checking with your insurer before you fit mods.
Performance mods - generally are a higher risk...though driver
experience is sometimes considered.
Cosmetic mods - could (arguably) make the car more attractive to a
potential thief - higher risk in an insurers eyes.
As for brakes - if you upgrade your brakes by replacing the pads with similar items, or fitting slightly bigger discs or braided hoses at not much extra cost, then I would hope that an insurer would see that they would improve the stopping ability of the vehicle and wouldn't necessarily make it more nickable.
Also, the new bits probably wouldn't be worth much more than new official Subaru parts.
If, however you fitted racing AP 6 pots for around £1500 and the insurer was prepared to fully cover you for them, then I would understand if they wanted a small contribution towards the cover.
Whatever you fit - make sure its done professionally - insurers don't like DIY'ers.
Generally, if you are buying a car and intend to modify it in any way, when you shop around for quotes, make sure you end up with an insurer that will a) cover a modded vehicle
b) not sting you if you do mod it
c) knows what they are talking about when it
comes to mods
Price isn't always the most important thing !!
Just me 2 penny's worth..
Cheers,
John
17 October 2002, 08:43 PM
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If, however you fitted racing AP 6 pots for around £1500 and the insurer was prepared to fully cover you for them, then I would understand if they wanted a small contribution towards the cover.
Hey Guess what brakes I'm on about here.
Andy
edited to add : £1605 actually
[Edited by Fuzz - 10/17/2002 8:45:51 PM]
Hey Guess what brakes I'm on about here.
Andy
edited to add : £1605 actually
[Edited by Fuzz - 10/17/2002 8:45:51 PM]
20 October 2002, 11:03 AM
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Well I told my ins. company about the AP 6pots, Morettes and full exhaust system i'd just put on mine to be told there wouldn't be any extra charge!!!!
And yes they did confirm this in writing.
Happy or what
And yes they did confirm this in writing.
Happy or what
22 October 2002, 01:58 PM
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My old insurance company, Axa, told me they'd not entertain any brake upgrades whatsoever and would cancel my insurance immediately if I fitted them.
This rather rained on my parade, as I'd arranged to buy Andy Tang's kit, and had found buyers for my OEM 4 pots too...
I'm not with Axa any more
This rather rained on my parade, as I'd arranged to buy Andy Tang's kit, and had found buyers for my OEM 4 pots too...
I'm not with Axa any more
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