JPC500

Hi all
Has anyone informed their insurance of any mods they've done to their cars? and if so did it put up the premium?
I've fitted a stainless steel 5 " exhaust and had some after market 18 " alloys fitted to my bug.
I'm in x2 minds about informing them as I know if something was to happen they could void the insurance but I don't want to pay any more premiums.
Any thoughts ......?

fitzscoob

Inform them. It is insurance fraud if you dont and will invalidate your insurance. It will sound harsh but if you can't afford the insurance hikes, dont mod.

Some will cause little to no change in cost, others will.

chopperman

I'm with Aviva and found it very easy to inform them of mods. They actually had a drop down list online.
When i hit the quote button after declaring to my surprise the quote came out £20 cheaper.

JB1

Declare them ALL. If you have a bad crash and t's investigated you will be screwed. As already said, some things increase the premium and others don't.

scoobyraj

iTrader: (1)

Better to tell them. If you don't you may as well not take out a policy....it's worthless!

MattyB1983

iTrader: (51)

What makes me laugh is how the premium goes up when informing them of modifications that actually make the car safer. Bigger brakes for instance.

Would deffo be telling them though OP, insurance companies will search for any reason they can to invalidate the policy in the event of a claim, by having undeclared mods your just handing it to them on a plate.

I remember a couple of years back a pal had a crash in his E46 M3. Went off the road in the wet and wrote the car off. He got it recovered to a pals workshop where he had to put all the standard bits back on before the insurance man came out.

wilbo

iTrader: (1)

You HAVE to declare all mods, if you cant afford the premium increase then dont do the mod. A decent insurer shouldnt charge any / much more for cosmetic mods like alloys though

bigbruiseral

iTrader: (1)

The thinking behind having bigger brakes is that you will brake later then normal for the road conditions making your chance to have an accident higher

CREWJ

Not another one....

alcazar

iTrader: (2)

JPC500, the best thing is to ask about mods BEFORE doing any.

My eldest's second car was a lovely Ibiza 1.4, but oh no, it HAD to have 17" wheels didn't it.

When he asked his insurers, they declined to insure it

Had he NOT asked, but been in an accident, no insurance.

And the REAL trouble comes if you hit something likea £50,000 car and cause 4 Whiplash claims or worse. No insurance and you are in REAL trouble.....

sovietspybob

iTrader: (3)

Especially now you've said you've modded it on a public forum!

-shane-

iTrader: (40)

As above really, You must declare all mods how ever little. Its not worth the hassle if you have a crash

gpssti4

iTrader: (6)

If it costs an extra £100, what's that, just over one tank of petrol......

Moley

iTrader: (9)

We prefer modified cars to standard ones!

s450oby

iTrader: (13)

i have my car insured with you on the modified policy, and declaired everything. but recently ive fitted a full flocked dash upper and lower and full sti interior do i need to recall you or is it automatically covered?

Moley

iTrader: (9)

Need to let us know really

wazlee

iTrader: (3)

Best to declare them, maybe pleasantly surprised it's not much (if any !) dearer



My insurance is due early Jan and I'm going to fit some goodies to the car over X-Mas - so I got a quote from GreenLight declaring all the mods I shall be putting on (Sports Cat, exhaust, panel filter, Pink Sti suspension and 17" alloys) and the quote is cheaper than my standard renewal !

martin850

iTrader: (51)

I've got a few new mods done to mine, shall I pm you a full list with my reg number

Moley

iTrader: (9)

Yeah that's fine

martin850

iTrader: (51)

Will get one sorted.

JPC500

Jesus !!!
just rang my insurance and they want an extra £190 ref the exhaust and alloys and i just thought id mention about the rally graphics and they want an extra £300 in total ?????
The rally graphics make it more desirable apparantly ???
time to change insurers me thinks

JPC500

Hi Moley
are you in the insurance game by any chance? and if so any chance of a quote?

Moley

iTrader: (9)

Yep. Pm me your details and i'll see what i can do

martin850

iTrader: (51)

Moley is alot of owners insurance guru

Maxximus

Do the insurance company send someone to check every accident claim then ?

chopperman

No but they will on high value claims.

JPC500

hi moley
ive sent you pm

Moley

iTrader: (9)

A lot of claims, yes

Maxximus

Thanks .

fitzscoob

Its not always on high value claims. I had an accident once - total cost around £1100 or so, and they came and inspected my car. Tyre tread, break pads etc.

When we say that you should be insured properly, its not for your benefit its for the poor sod you crash into.