Cheeky 'Morally Grey' Insurance Question...
- Thread starter Amraam
- Start date
Personally I wouldn't declare it, it's extremely unlikely it would ever be discovered. The same goes for other invisible mods as long as they don't increase the performance or affect driving significantly e.g. a lightened flywheel.
The whole having to declare factory optional extras is laughable.
The whole having to declare factory optional extras is laughable.
Associate
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TBH I just declare whatever ive got on the car, which is not much.
Amounts to exhaust and parking sensors on the 350z, better just to be straight about it rather than run the risk of getting caught out. When the Mrs Zed was written off we spoke to them about the exhaust and the fact wed just shelled out massively on new tyres so they let us keep them for the replacement car, garage just swapped them out for cheap OEM replacements.
I have to admit though I don't know what brakes we were running on it, I expect not standard because they needed doing and the garage said "were going to replace them with these" and I said are they just normal road brakes they said yes and I didn't ask anymore, but id just claim ignorance- which is the case if anything came of it - it didn't btw.
Hawker
Amounts to exhaust and parking sensors on the 350z, better just to be straight about it rather than run the risk of getting caught out. When the Mrs Zed was written off we spoke to them about the exhaust and the fact wed just shelled out massively on new tyres so they let us keep them for the replacement car, garage just swapped them out for cheap OEM replacements.
I have to admit though I don't know what brakes we were running on it, I expect not standard because they needed doing and the garage said "were going to replace them with these" and I said are they just normal road brakes they said yes and I didn't ask anymore, but id just claim ignorance- which is the case if anything came of it - it didn't btw.
Hawker
basically anything that adds BHP then you should declare it.
I declared my new Stainless exhaust and they just presumed it added BHP.. that was £10 added. And £5 for the Blue Plastidip.
I haven't told them about my Remap, as that does actually add like 3BHP (its more to smooth the power delivery)
I declared my new Stainless exhaust and they just presumed it added BHP.. that was £10 added. And £5 for the Blue Plastidip.
I haven't told them about my Remap, as that does actually add like 3BHP (its more to smooth the power delivery)
Associate
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I've had all my car modified and used to be with Sky. On the Octavia the remap cost all of £10 extra on a £275 policy, and the new alloys and winter wheels/tyres dropped the price £10. That's two years in a row so not a one off.
Can't understand what goes through people's minds.
Associate
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You might have purchased the car not knowing it even has a remap, Some people sell car's and don't mention it so buyers won't thing its been ragged around.
RARB = Rear Anti Roll Bar. It stiffens the back suspension (similarly to a strut brace). So no, nothing like a roll cage
A strut brace does not stiffen the suspension in any way similar to an anti-roll bar They are supposed to brace the suspension mounting points to maintain better control the the suspension geometry, but a lot of the aftermarket strut braces (especially front ones) are so obviously badly designed that they are simply decorative.
My particur favorite is when upgrading your brakes makes you more of a risk in the insurers view
So why do you want or need bigger brakes if it's not for a reason which would make you more likely to crash?
I meant similar in the sense that they're supposed to stiffen up and improve the suspension/handling.
Not really when it is quite possible to add £20k to the value of £50k car.
Soldato
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Having worked in insurance I know ALL things that change from manufacturer spec are treated with a certain amount of eyebrow raising.
I don't mean from call centre operatives I mean from loss adjusters. These are the guys who you are likely to end up dealing with in a more than medium bump. Some of them had quite extensive mech backgrounds, one who worked where I was had been an ex rally car mechanic.
The main problem is that in the UK anyone can list "upgraded" parts.
There is no validation that these upgrades are remotely what they claim.
E.g Upgraded brake pads. Some are track focussed and require more heat to work effectively (opposite to that normal road pads on the track often overheat and they go crap/wear excessively). Unless your really pushing it on the road the upgraded pads CAN (read doesn't apply to all) be less effective than normal OEM pads.
This was one example I remember discussing with a loss adjuster.
I was being a smart ass arguing similar points how I was a lower risk driver for having a quite heavily modded car, he pointed out how every thing I said had risks.
We really should have a system like TUV so the parts are tested to a standard (German system)
whilst tying its sprung to mind 2 of the reasons they REALLY dislike roll cages, 1) they give an immediate warning you must be expecting to be in situations where you expect it would benefit you and 2) they have massive concerns it will be fitted badly, imagine the claim if part broke loose and killed a passenger
That was a good read and nice insight into how insurance companies work.
I am with Admiral and they only allow manufacturer options to be fitted as mods. So if you have a Ford you cannot put Wolfrace alloys on it, the alloys must be a Ford optional extra for your particular vehicle.
I am with Admiral and they only allow manufacturer options to be fitted as mods. So if you have a Ford you cannot put Wolfrace alloys on it, the alloys must be a Ford optional extra for your particular vehicle.
That must be recent. A couple of years ago you could do wheels and suspension for sure.