Declaring on insurance

Rudeboy1

Rudeboy1

Rudeboy1

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Joined
26 Sep 2013
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582
Hi guys,

I'm getting to the insuring my car stage and I just wondered how it works when you declare modifications ? Does it matter if you declare things like if it's been lowered or if it's got an aftermarket exhaust on it? Can you get away with having any modifications on ?

Any help is much appreciated !

Thanks
 
Yes- any modification must be declared.
And bear in mind that with insurance, 'modified' = £££...
You might get away with an exhaust, but lowering, induction kits, brake upgrades etc will all affect your premiums.
 
you can get away with anything when insuring it, getting away with it when you make a claim or get pulled up is a different matter :p
 
aftermarket exhausts are something that has always got me thinking

anyone that has ever bought an exhaust fro Kwik Fit has an aftermarket exhaust
 
Rotty said:
aftermarket exhausts are something that has always got me thinking

anyone that has ever bought an exhaust fro Kwik Fit has an aftermarket exhaust
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I don't think any insurance assessor is going to deny a claim based on an undeclared non-OEM pattern exhaust fitted by Kwik Fit, whereas they might if there's an undeclared great big stainless steel obviously "uprated" system fitted :p
 
They can only refuse to payout if they can prove you intentionally lied about mods. I've been through it before bought a car second hand didn't know it had a few things done and the questioned them when i was claiming. Was a front splitter thing along the bumper, a quick shift gear stick and reverse parking sensors which i presumed were standard. Just be honest with them. I have alloys on mine now and it only added £8 a year.
 
robj20 said:
They can only refuse to payout if they can prove you intentionally lied about mods.
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They can also refuse to cover you or cancel the insurance and after that you stand little chance of getting cover with anyone without a mortgage. Not worth risking not declaring anything.
 
Declare the lot everything no matter how small
I had my insurance voided 2 years ago as they said i didn't declare all mods.
Got it all sorted in the end as they checked it out and looked over the car.
And i had loads of photos which i gave them at getting insurrance.
 
Be aware that some companies dont like moddified cars at all, I had an argument with an old insurance company as I had put bigger brakes on my car, they said they didnt believe I had only put the brakes on and were convinced that I had made other mods to make the car faster, I said to them that I did intend to make the car faster but the brakes were first thing on the list, they still wanted a seperate inspection and engineers reports despite the car only having been MOT'd about a week before hand so it was "safe" even though I had made the changes myself..
I just changed insurance companies in the end as I CBA with idiots on the phone that know nothing about cars..
 
Trig said:
Be aware that some companies dont like moddified cars at all, I had an argument with an old insurance company as I had put bigger brakes on my car, they said they didnt believe I had only put the brakes on and were convinced that I had made other mods to make the car faster, I said to them that I did intend to make the car faster but the brakes were first thing on the list, they still wanted a seperate inspection and engineers reports despite the car only having been MOT'd about a week before hand so it was "safe" even though I had made the changes myself..
I just changed insurance companies in the end as I CBA with idiots on the phone that know nothing about cars..
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My insurrance went down with the brake upgrade (only a few £££)
 
dougal1331 said:
That's probably not too bad.
Friend put an induction kit on his Civic Type R a few years back- approximately one extra horsepower, but put £150 on his insurance- so he took it off again!
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Problem is if you get quotes for modified, it goes on some sort of record and that can push your prices up regardless. They sort of 'assume' you have the mod from then on.
 
Yep, declare everything just to be on the safe side.

The one thing that got me stung was when I had a new Golf Mk V with a couple of options from the factory added (Xenons, Multi Function Steering Wheel) but they insisted that these were modifications to the car!?

Much confusion and a little anger (and 80 quid lighter) all was sorted. Still annoys me to this day though!
 
If you are insuring Fully comp it matters, as they can reduce or refuse claims made to repair your car (it does not affect your right to claim directly from a third party if it is their fault).
Modifications do not and can not affect a third party's right to claim against your insurance, therefore you will always have the minimum RTA requirement.
 
What car is it? If you're going to go a long way with the mods it'll be worth while trying a specialist such as Greenlight or Sky, Greenlight in particular are awesome and don't charge for mods at all :D
 
snapdragon69 said:
If you are insuring Fully comp it matters, as they can reduce or refuse claims made to repair your car (it does not affect your right to claim directly from a third party if it is their fault).
Modifications do not and can not affect a third party's right to claim against your insurance, therefore you will always have the minimum RTA requirement.
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I was of the understanding however that if your insurer pays out third party and your car is modded without being mentioned on the policy then they may chase you for the costs of the pay out since your cover was void?
 
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