Does not declaring a modification void my entire insurance??

Gonzo0

Gonzo0

Gonzo0

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or does it just not cover the part.

Im only 18 and declaring modifications would give quinn direct a field day of raping me of my pennies :(
 
Gonzo0 said:
So its best for me to declare instead of hoping i dont crash.
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Not only is it illegal (i think!!!) to not declare, it is very stupid and you shouldn't have got the mods if you can't afford the insurance.

Alternately go with an insurer which is mod-friendly.
 
ethos said:
Seems a bit over the top to declare a different gear nob imo...
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I wouldn't declare it, but if you give the insurers a tiny excuse not to pay up....

Definitely declare exhaust and induction kit. My current insurers didnt ask for anything extra with full stainless steel inc. exhaust manifold and induction kit.
 
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Declare anything thats obvious. If its something like uprated pistons then I wouldn't bother but an exhaust system is hard to hide really.


(note to self: declare mods to insurance company to avoid being a hypocrite)
 
Depends what mods you have done. My previous insurer gave the option on some things such as alloys - I chose not to have them cover them, but they still had it on their list, so not to invalidate the insurance. Also all power related changes (exhaust, chip, panel filter etc) were covered by a single option 'power increase upto 10% increase', which meant I just paid £100 PA and could keep adding small things on.
 
Or keep the OEM parts in your car and change them back if you crash... actually that's bad advice (OR IS IT LOLZ!).
 
either declare them

or don't get insurance.

because paying insurance without declaring them is the same as having no insurance.
 
So what happens for example if i crash and my car gets towed somewhere, does some inspector from the insurance company come round to inspect my car and looks under the bonnet?
 
If it's only an exhaust and induction kit it'll probably be about another £150 odd i reckon.

Ignore the "even if you change the gear knob" comment - its crap and i'm willing to bet if you did call up to declare a gear knob, they would laugh at you and hang up. :p

As said, if you changed the cams or pistons or something, there is no point declaring unless you have a very nice car. For exhausts and induction kits you should definately declare because the insurance companies will do anything physically possible to get out of paying out and giving them an excuse like undeclared mods makes it just too easy for them to wiggle out of it.

Gonzo0 said:
So what happens for example if i crash and my car gets towed somewhere, does some inspector from the insurance company come round to inspect my car and looks under the bonnet?
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Yes (unless its driveable and the assessers will come to your house instead). These inspectors know their **** and know what to be looking for in regards to mods. Trust me, he'll notice an exhaust and induction kit within 30secs of seeing the car.

Ben M said:
either declare them

or don't get insurance.

because paying insurance without declaring them is the same as having no insurance.
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Wrong... you are still covered 3rd Party.
 
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Gaygle said:
Wrong... you are still covered 3rd Party.
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and whats more, its not an automatic thing

its not a question of not delcaring an airbox = no insurance

the insurers can do lots of things, including voiding your insurance. However other insurance co's have settled by just charging them the difference the extra mods would have cost to their insurance
 
IIRC you will only be covered 3rd Party, but the insurance company may take you to court to try and recover the cost of *** 3rd parties repair.
 
MrLOL said:
and whats more, its not an automatic thing

its not a question of not delcaring an airbox = no insurance

the insurers can do lots of things, including voiding your insurance. However other insurance co's have settled by just charging them the difference the extra mods would have cost to their insurance
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Agreed. But i never understood why the insurance companies settle, with the policy holder, if you pay the extra because what incentive is there to declare your mods if you are given a second chance to pay IF you crash. Surely the insurance would just love to stick two fingers up at you and say "your problem"?
 
Gonzo0 said:
So what happens for example if i crash and my car gets towed somewhere, does some inspector from the insurance company come round to inspect my car and looks under the bonnet?
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I had a crash a good few years back where the car was not drivable and had it taken back to my house so I could change the wheels back to the original ones and then phoned the insurance company to arrange for them to pick it up from my house.
There was no problems with the insurance going through but when I picked the car up from the repairers they had replaced one of the alloy wheels and tyre that was on the car stating that it had been damaged in the crash :confused:.
I couldn't tell them that the wheels wernt even on the car when it was crashed and there was nothing wrong with them but I wasnt surprised when i saw the £3,500 repair bill :rolleyes:.
I guess the garage were tyring it on with the insurance company, the garage had the car for 3 weeks repairing it and on the way home from picking it up a bike went into the back of my smashing the rear light and scratching the side of the car :(
 
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