Oranoco

As far as I was aware anything that deviated from the manufacturers specification was a mod and required you to advise your insurer.

Got a nugget arguing that an aftermarket panel filter isn't a mod and you don't need to declare anything up to 10% hike in power.

Who's being the fucktard here as he swears blind I'm wrong?

big_wig_074

my insurance company dont need to know about stainless exhausts,stereo up to a certain value,and alloy wheels up to 1500 quid!

Si B

iTrader: (59)

You are right.

Anyone (including meany on here I bet) not declaring all mods are driving around UNINSURED

Si

big_wig_074

depends on insurer,see above

Si B

iTrader: (59)

Stereo and perhaps stainless exhaust I can understand (as you can buy Longlife exhausts which aren't intended as a performance mod) - would be surprised if having alloys on say a car that didn't nornmally have alloys was not classed as an increased risk though

Dodgy territory this one, and I'd be inclined to declare everything and let the insurer decide if they need to know about it or not.

You can bet the moment you go to claim they will look for any way out of paying up.

Si

trevCOSS

iTrader: (6)

You are right but in some ways its a grey area imo as unless you fit OEM parts to the car whos to say that a pannel filter made by (insert performance make) is any less a service part than one from halfords and kevin coopers etc? the same can be said for lots of stuff, brake pads for instance

big_wig_074

go to swiftcover.com,says clearly what they allow without being told,including aftermarket alloys etc..!

Fil

ive seen, that on some insurance companys, but i take it they will only replace with originall parts

big_wig_074

dont care really,with that few mods it matters very little!

mechanic28

iTrader: (5)

depends on what the insurance company,mine for example aint interested in the 4x4 bonnet rear lights,suspension etc but where interested in exhaust air filter etc

dojj

iTrader: (3)

depends on the insurer

but cover your own arse and declare the mods because you know when it comes to paying out they will fuck you over big time regardless of what they've said on the phone

AlexF

you need to tell them


they might not care.....


Alex

fuzzy

every thing that differs from standard equipment has to be declared to the insurer right down to a aftermarket gear knob. its then up to the insurer to decide if that alters your risk or not. it doesnt have to be a performance mod, even style mods like bodykits increase your risk of claiming as it makes your car more desirable to the low life joyrider than the same model as standard.
insurance companys are harder to understand than a time of the month woman sometimes. once i uprated my brakes thinking it would help my premium but the insurer informed me i was more of a risk because they thought that i would now take more risks when driving because i would be puting more faith in my new brakes and relying on them to stop me in time in the event of a mishap. up went my premium.
im forever hearing about 25 year olds insuring decent cars for as little as £200 a year. id like to know where the fuck from as im 37 with 4 years NCB ,no points ,and still pay £650 a year fully comp on my bmw
not declaring is a risk only you can decide is worth taking if you arent to fussed about your car or your premium goes up to more than the cars worth as you risk losing it all. also nowadays i believe that when the traffic police do a check on you they know if your car is declared as modified or not.

KW-rscos

Im with Kwikfit, and I thought that they were my insuance company, but it turned out that they are just a middle man, put it this way I wont be renewing, but that is for many reasons, they I asked them about all the mods that i wanted to do to my car and they said that i couldnt do any mods on my current policy but they could cancle it and change me to a different one and my insurance went up by over 300 quid a month!? roll on end of my policy!?

bud-weis

when shopping for insurance recently I was asked if the car came with any extra factory options....these were to be listed as extras from the manufacturers standard specification.

to be safe it's best to mention everything, and if they care or not you at least know you're in the clear come claim time

tabetha

I had this argument with my insurer, PRIVLEGE, with a mondy I rebuilt with a new engine, same size engine but next oversize pistons so a few more cc's, so they to start with said it was modded, I then spoke to their underwriters, a lady who was a real car nut, and said it was ridiculous to class it as a mod as it had std cams etc, thenj we went on to discuss dust caps on wheels being a mod, as they were not ford ones but supplied with new tyres.
The point is a lot relies on common sense, making a humble escort look like a escos increases the risk, as do alloy wheels, as they are more likely to be stolen, although even std CATS are being sawn off cars these days due to metal prices.
Anything that increases BHP IS something that should be declared, BUT insurers are not stupid, they do realise that you cannot go into fords and get a exhaust system for a 1986 cossie, so it will by necessity be modded, as it is the only way to keep it on the road.
The other point is a insurer has to JUSTIFY any refusal to pay out, they pay out for pratts who leave the keys in the car with the engine running outside shops etc, when each policy clearly states that REASONABLE CARE must be taken of the car, but still they pay out.
A CAT1 alarm/immobliser is a mod, but ask how many will insure cossie's etc without one, they are not LEGALLY allowed to load for disabilites but NU tried to with me, many years ago.
Where does this modding thing stop, the instant you fill up it's modded unless you use the fuel ford supplied, washer fluid may not be ford's, the list is endless, most insurers are fair as litigation is often more expensive than the claim itself.
With bumps a lot of insurers try to settle knock for knock, but they can only do this with the policyholders permission, they do this as it is cheaper than litigation for a small claim.
If in doubt declare it, and then argue if loading is applied, but if they agree on anything GET IT IN WRITING, as they do "FORGET" things.
tabetha

dojj

iTrader: (3)

i told admiral i had a set of alloys on the car differnt ot the normal ones
fine they said
i told them in january when i bought them
in july i had an accident (someone hit the car while it was stopped) and they said i hadn't told them about the alloys so they wouldn't cover them (1 was bent along with a tyre that needed replacing)

after about 4 months they decided that it wasn't because of the alloys but it was because i was driving the car and not my dad because they'd based the policy on him being the main driver, even though the car was in my name as was the insurance policy

they cancled my policy and started sending letters suggesting that it might be in their best intrest to inform the police that i was no longer insured with them and they had no record of me having had the policy renewed

the fact that i'd got another policy as soon as they started to contest the claim didn't seem to make sense to them

so when they don't want to pay out, they really don't want to pay out

Turbosystems

iTrader: (5)

even if you declare everything they are highly unlikely to process your claim with any great speed.they are very good at delaying payments,as they pass you from pillar to post .
Takes minutes to take your premiums but months to pay you back

Oranoco

The Admiral group of companies are utter c units (Diamond, Elephant etc) so I'm not surprised.