Does not declaring a modification void my entire insurance??

[Royal Fleet]

Some insurers will want to avoid any modifications, not for any physical reason, but because of the average person who modifies their cars, does so to make them faster, and someone who wants to drive faster is likely to have more accidents.

This is if course a huge generalisation, but then that is the concept of underwriting anyway.

 

[4T5]

My Jeep is Seriously modded & my quote with Mods was £10 cheaper than my quote without claiming them +
Just claim them all be legal then you can use your motor how you should

 

[Gonzo0]

A few people I know have been able to add modifications on their policy via the Quinn website... without charge too

OMGZ, what mods and where on the website do i do that??

 

[West]

I think DJ Jestars comment says it all..

"Better safe the Sorry"

 

[Leeum]

OMGZ, what mods and where on the website do i do that??

Sign in and amend your policy.

 

[Westyfield2]

Remember to declare brake pads when you change them from the standard ones.

But then surely fitting (& declaring) better than standard pads, changing the brakes (eg. to Brembo 4/6/8 pots) fitting better tyres etc should lower one's insurance....as it's improving the performance of a safety aspect........

 

[Dashik]

But then surely fitting (& declaring) better than standard pads, changing the brakes (eg. to Brembo 4/6/8 pots) fitting better tyres etc should lower one's insurance....as it's improving the performance of a safety aspect........

But why fit better pads in the first place? If your 17 to 25 then its more likely because you plan on driving faster and need the extra stopping power therefore the insurers perceive an increased risk.

 

[Westyfield2]

But then surely fitting (& declaring) better than standard pads, changing the brakes (eg. to Brembo 4/6/8 pots) fitting better tyres etc should lower one's insurance....as it's improving the performance of a safety aspect........

But why fit better pads in the first place? If your 17 to 25 then its more likely because you plan on driving faster and need the extra stopping power therefore the insurers perceive an increased risk.

Ok then, that was admittedly a flawed example (but is valid as better brakes = better stopping distances), but what about fitting after-market HID's? They give improved vision so one would see a potential hazard earlier.......

 

[Dashik]

I think its down to the fact that in general the people who modify their cars are more likely to be a bigger risk. So its not the type of mod, but the fact that the cars been modded at all that the insurance company looks at when its assesing the risk.

 

[OpenToSuggestions]

yes you do need to declare.

insurers send people out to try and find any reason not to pay out. For example you reverse into a wall they wont check, but say you rear-end a new m5 and total it they are deffo going to check.

 

[Dredd]

i need to sort my insurance out,

but i need to edit the logbook first, engine been changed will this change automatic when i redo my insurance or will i have to list it?

 

[Tom|Nbk]

Would I have to declare a short shifter?

 

[Psycrow]

No but its big of you to admit to it

 

[Gonzo0]

O god what has my thread caused lol.

I only wanted a simple question answering, instead i get the insurance crew massive having a full out brawl with people over stupid things.

I can see this thread filling with people going "Should i declare such and such"

 

[Gonzo0]

Just been looking on Quinns website and it turns out a lot of mods dont increase my premium such as bodykits, alloys, uprated brakes. An induction kit would cost me an extra £75 however as would a new exhaust system.

 

[mattyg]

I havnt read through all of this post but:
If the OP is only TPFT anyway i wouldnt bother to declare any mods under the RTA he would still be covered.
Also the Cover can only be voided/avoided at the time the insurance company finds out so he has accident covered then insurance find out mods. still covered upto that point then they can avoid cover.
Also if the mods were not in place at the time he took out cover then then the ins would have a hard time voiding cover.
It would be deemeed to have been a little naughty if he lied when starting policy if he had not declared. but not quite so serious afterwards.
On the note that the insurance would try to sue you in the event of a claim. They may be able to try but the first rule of suing someone is make sure they have the funds to pay if not dont bother