Thinking about swapping from Chrome kidney grills to black
Does items like this have to be declared on insurance policy ? is it likely to effect premium? if so, why ? if its just a change of colour ?
Well technically it's a modification from standard and insurers don't need much reason to invalidate a policy.
Risking them not paying out in the event of you needing to make a claim, over something you've not declared because you worry about £25 seems a bit extremeRisking my premium increasing and having to pay £25 for the details to change to have a colour change seems a bit extreme.
Risking them not paying out in the event of you needing to make a claim, over something you've not declared because you worry about £25 seems a bit extreme![]()
Changing to a black kidney grill wont be causing any extra risk for them
I will certainly ask them though
In all likelihood as long as it was an original BMW part, it wouldn't make any difference - and indeed as a 2nd hand buyer, how were you to know that it wasn't part of the original specification (much like fitting other oem bmw wheels, most Joe public from the street wouldn't know)
However when things like VIN Decoders etc are readily available, then it's easy for Insurers and the like to check original specifications and see that you haven't got a Black trim pack etc.
And whilst you say it's no extra risk, it is still a cosmetic change that could make the care more desirable to would be thieves.
Thinking about swapping from Chrome kidney grills to black
Does items like this have to be declared on insurance policy ? is it likely to effect premium? if so, why ? if its just a change of colour ?
I thought impact on warranty was more of a concern ? ...eg. if you then had some cooling problem.
Really hit and miss thing to be honest, I informed my insurer of modifications to my pickup and some trim colour changes they didn't care about, extra sets of wheels though they did want on file as optional extras but didn't make any difference to cost (and they didn't even charge a fee for) but other proposed changes they wanted £LOL for
EDIT: Also depends on the insurer - Admiral so far has been really reasonable about modifications in my experience, while some others just see it as a way to rinse every penny they can.
I thought impact on warranty was more of a concern ? ...eg. if you then had some cooling problem.
for the naysayers related thread V ... as suggested warranty claim in the vicinity of changed grill might be questionedThinking about swapping from Chrome kidney grills to black
Don't understand how that is relevant at all... The Reddit thread is about damage vs failed components.for the naysayers related thread V ... as suggested warranty claim in the vicinity of changed grill might be questioned
Am I being taken for a ride? Air flap behind front grille damaged and not covered under warranty
.... let him who hasn't cracked a fastener taking car trim apart, cast the first stone.