Insurance Companies if you just change the BackBox?

My company is aware, but when going for quotations I am greeted by salesmen and women telling me that I don't need to declare a stainless steel exhaust which happens not to be a standard Subaru one!

 

everysingle thing on mine is delcared, even down to the mudflaps, prodrive interior, ppg gearbox, autronics, different turbo etc etc

 

I would phone them, tell them and get the name, date and time of who you spoke to, and ask them to confirm in writing!

 

Always

 

I'm a good boy, everything is declared.

Why not mention it? I can't see it costing more than £20 if anything at all. As a backbox is hardly a significant performance increase.

 

depends on who you are with and a few places i tried wanted % poweer increases it would give etc before quoting

 

Always declare it!! If there's anything been altered from manufacturer's standard spec, it MUST be declared, even if its a subaru supplied and fitted accessory. I've seen claims rejected for the tiniest of mods not being declared!!!!

 

My insurers (and broker of course) know about every mod on mine

 

Always best to declare everything, no matter how minor it may seem.

 

Do you have to declare different carpet mats or 'go faster' stickers?

 

i'm always anoying gary asking about what if i do this and this and this, then a week or two later, i have done this and this and this.

think my record is what, 2 hours gap between mods gary? lol

 

It's getting that time of year. Can you PM me your number.

 

Well, mentioning a slight mod changes things a lot! More than £20 is added on and there are fewer companies who will quote in the first place!

I am really thinking of swapping the backbox back to standard - save myself all the hassle!!

 

yeh right

What sort of drongo actaully ASKS for things to taken into consideration - and please rape me now .....

 

I bet you work for Insurance co. Lewis , right

it would make a lot of sense

 

Nah, I don't work for an Insurance Co. ...... I do work IN Insurance, however, insuring that you can sleep safely in your bed at night

 

Cosmetic changes i.e. stainless exhaust, not a "performance" system shouldn't affect cost.
Subaru accessories don't need to be declared, but should be fully covered as standard manufacturers parts.... anyone know ?

Dunx

P.S. All the blue ones are charged extra 'cos they are all rally cars LOL

 

Well, all I can say is that on these compare.com websites they ask for the Mod. and the nearest thing is to tick the 'Exhaust/Manifold' box ........ and 90% of the Insurance Companies who quoted without the mod. now disappear and refuse to quote with the mod!!