Originally Posted by tabetha

A man of nearly 70 breaks his front bumper, he duly contacts his insurers as he is fully comp, assessor comes out, then informs him that is doesn't have the original wheels on the car, and that he would inform the insurers.
Insurers ring and refuse the claim, and also load £60 a year for non std wheels.
Just serves as a warning that these things do happen, this is all 100% accurate, as it was my dad it happened to.
Of course he's now shopping around insurers, and yes entirely his fault it happened, just might make some think twice about undeclared mods, would hate to see someones pride and joy get bashed and not paid for.
tabetha

Originally Posted by matts1

my misses insurance asked her:

does the car have any modifications - ok, perfectly normal and the answer was no

but then asked...

does it have any additional extra's - so if you have a car that has all the extra's fitted, are you going to have to list them?? this was on a fiesta ST so not like it was a 1.4l with st bits added on?

Seemed odd to me?

Originally Posted by Escy

I'm a bit worried about the insurance on my car. I have an E36 M3 Evo, it's 100% as it left the factory but it has over 20k of AC Schnitzer goodies fitted when brand new.

It's got a carbon kevlar bumpers, kevlar wider wings, coilovers, exhaust, 18" split rims, etc.

The insurance company i'm with gave me a cracking price for a non modified M3 Evo, technically it's not modified but they'd think i'm taking the piss if my car was ever inspected.

Worried if I was to inform them of the spec they'd hike the insurance to a level I can't afford or not cover me at all. The company i'm with quoted me 3 times cheaper than everyone else.