Tinting Rear Windows - Insurance Mods?

[Mr Jones]

Do I need to declare it as a modification to insurance if I were to tint my rear windows and boot window post purchase of a new car? Not to the levels of blacked out, more for passenger privacy, so around 70%?

No changes to the front and windscreen.

Also, if it's none factory standard alloy wheels, i.e. black alloy from the options list, do I need to declare it as mods as well? Thanks.

 

[sovietspybob]

Tints yes

Wheels technically yes but if they were on the options list it would probably never be questioned..

 

[lemonade]

Does the insurance premium usually go up or down when you declare tints?

 

[sovietspybob]

Logic would say increase as there's more chance of you being a rudeboy selling drugs but in reality i've no idea.

 

[Jez]

I wouldnt bother, you bought it like that and didnt realise. No insurance company in the world would get away with refusing a payout based on something like this.

 

[Mr Jones]

Tints yes

Wheels technically yes but if they were on the options list it would probably never be questioned..

Logic would say increase as there's more chance of you being a rudeboy selling drugs but in reality i've no idea.

In my mind, it should decrease the premium but it seems it's a tick box with insurance. As long as it's a none mechanical mod, i.e. tinting, it's an extra £100.

Seriously, why do I need to pay more for something I'm doing to keep my car's content out of opportunist's sight? Not that I keep anything more than the odd mac and my boot has a tarp but not in their check box exercise.

Wheels aren't a problem as it's factory option.

Thank you LV, you're most useful

 

[Freakbro]

Sorry to hijack thread, but in a similar matter, what about a stainless steel exhaust - made in the same pattern as the original, so not a performance modification.

Would this need to be declared and if so would it effect premiums?

 

[p1RATE]

Sorry to hijack thread, but in a similar matter, what about a stainless steel exhaust - made in the same pattern as the original, so not a performance modification.

Would this need to be declared and if so would it effect premiums?

I think they only have an option for performance exhausts.

As its just a pattern part using a different material it shouldn't really make any difference at all.

 

[lemonade]

Sorry to hijack thread, but in a similar matter, what about a stainless steel exhaust - made in the same pattern as the original, so not a performance modification.

Would this need to be declared and if so would it effect premiums?

Pretty sure that's considered a mod, silly really just like the tints, why does that need declaring.

 

[Lazy]

Pretty sure that's considered a mod, silly really just like the tints, why does that need declaring.

It's similar to how I was asked the other day for a change of vehicle if there is any modifications or factory fit options. Told them no modifications but read out some of the options and was told that they only needed to make a note on the policy if there was any parking sensors or a sat nav.

 

[Duke]

For tints? I didn't bother.

 

[telewebby]

technically anything thing that is an option and deviates from standard spec should be declared

Alex

 

[Spartacus]

I declared the rear tints on mine and Esure made a note of it but didn't increase the premium.

 

[theone8181]

technically anything thing that is an option and deviates from standard spec should be declared

Alex

Surely it would just be anything different from how it left the factory? How are multiple owners meant to know what is and isnt standard on a particular car.