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declaring mods to insurance.
big_wasa - 27/10/12 at 08:06 PM

Just picked up a fresh car today and I am trying to sort the insurance. I put the details in and got a quote. I remembered its got a stainless exhaust so resubmitted the quote and it came back £100 more just for an exhaust that doesnt rust as fast as the car

I guess the penalty of not declaring it is no insurance in the event of a claim.

loggyboy - 27/10/12 at 08:19 PM

Cheaper to buy a standard exhaust?

Try a different insurer?

JoelP - 27/10/12 at 08:19 PM

I think insurers put modifications into groups - sadly an exhaust will count as a performance mod even if it isnt.

perksy - 27/10/12 at 08:25 PM

To be fair i think its good practice to declare everything
If something goes pearshaped the insurance company will get out of it if they can

Some companies aren't bothered by some mod's, but other companies are


Thought i'd read somewhere that if your insurance was proved to be null & void the other party can sue you personally and in one case a chap was fighting to keep a roof over his head as he had been sued personally ?

AndyW - 27/10/12 at 08:31 PM

What did you get Warren??.

big_wasa - 27/10/12 at 08:55 PM

erm, even more reason for not iva'ing the 7

From this, this morning.



To this in the afternoon.

big_wasa - 27/10/12 at 09:05 PM

quote:
Originally posted by JoelP
I think insurers put modifications into groups - sadly an exhaust will count as a performance mod even if it isnt.



To be fare it does boost it, I am not used to declaring things. stainless exhaust on the last car was a factory option so nothing to declare.

tegwin - 27/10/12 at 09:22 PM

quote:
Originally posted by big_wasa
quote:
Originally posted by JoelP
I think insurers put modifications into groups - sadly an exhaust will count as a performance mod even if it isnt.



To be fare it does boost it, I am not used to declaring things. stainless exhaust on the last car was a factory option so nothing to declare.


Are you sure about that!? Some insurance companies consider factory options as "modifications" and thus should be declared!

big_wasa - 27/10/12 at 09:36 PM

To late to worry now. But if it rolled of the production line in my view its standard.

jollygreengiant - 28/10/12 at 08:31 AM

My Granada donor had the full Ford RS body kit as standard, I did insurance for it one day and they asked is it standard, I replied 'as it came off the production line including the RS body kit. They said 'Body Kit, that raises the insurance.' I said, 'OK I'll take it off then.' To which their reply was "Ah, that will make it modified so it will still be up." Dammed if you do and dammed if you don't.

theduck - 28/10/12 at 08:34 AM

Use a perfect car specialist like Brentacre or green light ;-)

Ninehigh - 28/10/12 at 09:14 AM

quote:
Originally posted by big_wasa
To late to worry now. But if it rolled of the production line in my view its standard.


Exactly, how do you know it's not standard if the manufacturer built it that way?

When they ask me if there's any mods I always say "none that I'm aware of"
I feel that covers me just as much when they find out it's got a turbo I knew nothing of or something

morcus - 28/10/12 at 01:18 PM

Im with ninehigh and with some things it's hard to know. All the origonal paper work for my car is in Japanese, and the only mod is a fog light since it came here.

I was under the impression anything done by the factory or dealership before it was registered didn't count as a modification, like getting alloys/body kit badges and such.

coyoteboy - 28/10/12 at 07:11 PM

Factory fitted alloys class as a modification on my insurance despite being an option. To be fair insuring mu massively modified Toyota versus it standard was only ~150 extra over standard anyway though. ine got a stainless exhaust when the factory exhaust was 750+vat, not available from any pattern parts places and a stainless was 300.