Mods and Insurance... where's the line?

B

blobslosak

Member
I fully intend on ringing Admiral and asking about this (when I'm on hold for less than 10 mins) but wondering if anyone's tested the water already with the following 'mods' and whether they count and need declaring?

Changing alloy wheel colour? (They think my car is an SE so I declared my BMW factory option 18'' wheels for £0 fee, so this may cover it?)
Changing front grille colour? (gone matte black with plasticote)
Changing to MM exhaust tips?
Changing to run flat tyres? (I asked the operator this when I got my insurance and he said I didn't need to declare them, in fact his words were along the line of, "well I've changed them on my car so I hope not")
 
it used to be insurance where very fussy with any changes but there abit more lenient now, providing your not changing power or any thing silly

the way i see it is if its not listed it and you crash / crashed into they`ll just replace with standard parts
 
They won't charge you for them mods and it's better to be safe than sorry and declare them. They might however charge you an admin fee to amend the details - £25 or so... :thumbsdown:
 
Admiral didn't charge me anything other than an admin fee for my strut brace and limited-slip diff so I doubt very much if they'd add any loading to your policy for the changes listed - although I guarantee that you'll confuse the hell out of them if you say you're fitting Machine Monkey Exhaust Tips :lol:

They'll probably hit you for an admin fee though so it's better to tell them about everything at once rather than them trying to extract a fee as you notify them about each change - even if it's not done yet you can ask them to note that you'll be 'making the change within the next month'.
 
As with Perry, Admiral only charges me an admin fee. Most mods I put on when I renewed my policy, but added my GruppeM later which they charged me £20 admin.

But like Perry I'm getting on a bit and car is only insured for 4k pa, both might have an effect on these sort of things.
 
Sorry Steve - can you clarify that? Are you declaring the mods when you start or when you finish? :whistle:
 
If in doubt I'd declare it, but as other have said, do it all in one go to avoid multiple administration (ripoff) fees. Not worth messing about with insurance imho. Probably be no charge for those mods. I ummed and ahhed about declaring mime as lowered with aftermarket alloys ( I own Aquazis old car) but rang anyway and it added £0 with Aviva.
 
What biojo said pretty much, declare it if you want the cost covered (audio gear, diff wheels same size) or it's performance related or a functioning change (bigger wheels) etc

changing the colour of a bad grilles/exhaust tips etc? they'd think you were insane
 
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