Insurance after declaring modifications

edwarhys

edwarhys

edwarhys

Associate
Joined
14 Jan 2014
Posts
436
Location
Stoke on Trent
Hello OCuk Forum :)

So i have a predicament where i have an oil leak on my car due to the rocker cover having a crack in it, tried fixing but the epoxy has only lasted a few weeks.

New Genuine Fiesta 1.3 part is £288
Ford KA 1.3 rocker cover which fits but means i can't us a stock air filter £35.

I have just got a quote for my second years insurance at £631 a year, i'm currently paying £1200.

How much of a difference has modifications made to your insurance ?
 
Using a non stock air filter will make the grand total of **** all difference I'd have thought but either way just run a quote with it declared as a mod and find out.
 
Why would you declare that to insurance anyway? It's hardly strapping a twin turbo to the engine now is it.
 
are insurance companies that bothered.
i had a saxo vts years ago, tastlyfully modified in the day, never declared anything.
got written off in an accident. nothing said.
 
Insurance is such a personal thing no one else will be able to say. I've just insured a Japanse import Impreza and declaring aftermarket lowered suspension and up rated brakes added a whole £3 to my policy. However when i was younger similar mods added easily £150 so how long is a piece of string.
 
kindai said:
Using a non stock air filter will make the grand total of **** all difference I'd have thought but either way just run a quote with it declared as a mod and find out.
Click to expand...

kindai said:
Why would you declare that to insurance anyway? It's hardly strapping a twin turbo to the engine now is it.
Click to expand...

kindai said:
are insurance companies that bothered.
i had a saxo vts years ago, tastlyfully modified in the day, never declared anything.
got written off in an accident. nothing said.
Click to expand...


I heard if you don't declare it you are voiding your insurance.
 
Technically, but it depends what you do. If you put a big chrome induction pipe and a massive cone filter on it, declare it.

If you remove the Fiesta intake and fit a KA intake, nobody will notice, and if they do, nobody will care.
 
edwarhys said:
I heard if you don't declare it you are voiding your insurance.
Click to expand...

For something like that? Highly unlikely. Worst case scenario just play ignorant.

"yea mate, the rocker cover was damaged and the garage sorted a replacement, how did I know it wasnt the same one"
 
Hang on hang on... Why are you buying a new rocker cover in the first place?

Buy a second hand Fiesta 1.3 rocker cover from a breaker, make sure it has no cracks in it, fit it with a new gasket, job done, and all issues avoided.
 
Acme said:
Hang on hang on... Why are you buying a new rocker cover in the first place?

Buy a second hand Fiesta 1.3 rocker cover from a breaker, make sure it has no cracks in it, fit it with a new gasket, job done, and all issues avoided.
Click to expand...

Can't get hold of one, lots of engines like mine but breakers or scrapyards won't sell the cover separate.

Don't want to buy a whole engine
 
Get phoning round some local breakers these aren't exactly rare cars so there's got to be one knocking around with an intact rocker cover that means you won't have to mess around.

Edit: Times must have changed, last time I went to a breakers they let you loose and just told you to bring any bits you'd stripped off back and they'd price them up.
 
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