Declaring cosmetic mods to Insurance company

I always phone my insurance company before purchasing any mod, in case they won't offer cover, or want to charge a fortune. I declare all of my mods and each has led to an increase in premium, but none are covered by my policy :thumbsdown:
I'll be calling REIS when I renew in a couple of months as they give cover with practically any mod (including forced induction) without markedly inflating the premium, cover the mods themselves, and allow four track days each year...almost sounds too good to be true! I just need to persuade them not to cap my annual mileage :wink:
 
Marf83 said:
aquazi said:
Some insurance companies only bump up the premium for performance mods.

My car i add in my mods i plan to do at renewal time so i dont get stung by an admin charge. In my case, aftermarket wheels + lowering springs added £50 , M front and rear bumper added £30, Aero skirts added £20 and the exhaust £50.

But as others have said its worth declaring everything to be safe.
Click to expand...
who's your insurance with? Ive been quoted vastly increased premiums for mine potential mods & I'm only 2 yrs younger than you.
Click to expand...

Admiral - was around £800 this year with mods, me as the only driver.
VvrooomM said:
aquazi said:
Some insurance companies only bump up the premium for performance mods.

My car i add in my mods i plan to do at renewal time so i dont get stung by an admin charge. In my case, aftermarket wheels + lowering springs added £50 , M front and rear bumper added £30, Aero skirts added £20 and the exhaust £50.

But as others have said its worth declaring everything to be safe.
Click to expand...
surely an umodded but declared as modded is still modified but undeclared if you get my drift - I bet an insurance company would try it on!!


Tapatalking on my iPhone.......
Click to expand...

:?

I actually asked them about this... and they said it was fine! I guess i'd be paying more premium than i should be while the mods are not on, so they are happy to take more money off me :roll:
 
was the aero kit an option when ordering the zed?? also their OEM parts with part numbers so should they effect insurance???
 
I think if any parts were added after it left the factory, OEM or not, are classed as modifications and should be declared

Wether or not the insurance company will go back to bmw for the build sheet on a sub £10,000 car im not sure
 
admiral are quite good, if you need to speak to customer service call at 8am, 95% of the time you will get through to Cardiff call centre, if you call later in the day you play russian roulette with the India call centre
 
cjp2k said:
admiral are quite good, if you need to speak to customer service call at 8am, 95% of the time you will get through to Cardiff call centre, if you call later in the day you play russian roulette with the India call centre
Click to expand...

Admiral blow hot and cold. They were great when I insured my 5er with them. Fine with the modifications to that car. They gave me a great price to add the zed to our multi car policy, and once again they were fine with the modifications. But then they bumped the premium up by 40% at renewal and said it was because of the mods. Their new business rate through a comparison site was 30% less... :scratchhead:

I couldn't be arsed to go through every mod, and every option fitted to each of the cars (even worse now Mrs Lozzer has got a BMW now too) so I took business elsewhere. £1800 worth of premium to cover 4 cars, only two of which can be driven at any given time... several other companies thought it was worth a punt!
 
Direct line werent interested when I declared my new seats and interior etc. They said as long as they were OEM parts they weren't bothered.
 
we are multicar, renewal came through, not too bad but more than expected, I got a multicar quote but had to change my dob to make it work, they matched the price when I gave them the quote ref, saved over 300quid on renewal price
 
srhutch said:
Declare all to be on safe side, except maybe the sticker.
Click to expand...

Absolutely. Forget what,you think makes sense and remember we live in a tough financial world and companies now more than,ever will try to squirm out of anything they can.
 
im with elephant which is admiral in sence. i want to get the aero front bumper but at my age im guessing they will add a healthy premium on top. might give them a call tomorrow and c what they say
 
What's the deal with declaring mods on a used car you have bought? How is the average person meant to be able to tell if the car has been modded and in what way?
 
Sooperstar said:
What's the deal with declaring mods on a used car you have bought? How is the average person meant to be able to tell if the car has been modded and in what way?
Click to expand...

I've always wondered that
 
I've just done my insurance with Swiftcover and they don't even require me to declare the LPG conversion, they just said it has to have been done professionally and if I crashed they would only put my car back to standard :driving:
 
Sooperstar said:
What's the deal with declaring mods on a used car you have bought? How is the average person meant to be able to tell if the car has been modded and in what way?
Click to expand...
You're supposed to tell them anything relevant that you know about it. If you don't know then you can't tell them.

As long as you're truthful, and can back this up in court should a claim be refused, then you'll be okay.

Things like you buying it with electric seats when the car originally came with manual ones, or when it's had something retrofitted like cruise probably wouldn't void the insurance, and may not even affect the valuation.

However, telling them you didn't realise your car had a S54 engine in place of its normal 2.0 engine probably wouldn't wash.

You can use one of the VIN decoders to check what your car came with as standard though.

When a lorry scraped my car, and because the lorry driver was disputing liability, my insurance company paid me out initially. When it went to the bodyshop for a quote they told the insurance company the cost along with the cost of replacing the clear protection film I'd had fitted to the car. The insurance company didn't try to wriggle out of the claim, they simply refused to pay for the refitting of the film (about £500). I had to recover this from the other driver's insurance company, along with loss of earnings, car hire fees, excess, etc. as my insurance company wanted to go 50:50. It never got to court as the other driver's insurance caved in and paid (including reimbursing my insurer so there's no fault claim on my policy).
 
I insured with Esure this time and after insuring asked about fitting aftermarket alloys and non runflat tyres .....no extra for the tyres but the wheels incur an increase of £38.00 so purchased the wheels , and informed them..... , they then added a £45.00 admin charge to the £38.00. I'l be looking elsewhere come renewal time. :|
 
After some other similar threads I asked Direct Line when I exchanged #69 for IMmie. They wanted to know as much detail as possible from Nav to Spoiler. No additional charge but means all is covered in the event of a total loss
 
You must log in or register to reply here.
Back
Top Bottom