Who here owns a Renaultsport?

A label on the side of the box says what type you have. My box is sitting just across from me and says Pro-Kit Renault Clio (B). Im not sure there is any difference really between the Prolines or Sportlines apart from the additional drop the Sportlines give you.
 
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Skeeter said:
Insurance? Your going to declare springs?
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My silvervisions are declared :p

Not giving them anything to worm their way out of coughing up should I ever need to claim. Some companies want to know if you change your gear knob, how pathetic!

Things that are obviously non stock or stick out a mile are worth declaring. Things like re-maps or cams (assuming the insurer aren't going to take the engine block apart) are up to you to decide to declare or not, though your are ofc legally required to do so.
 
I have my exhaust declared as its fairly obvious and some insurance companies consider it a performance mod. However springs I probably wont. My car is worth to little for me to claim for it, and not declaring your own mods doesn't affect them paying out to 3rd parties should I cause an accident.

The legal requirement covers any factory fitted options, so I expect 50% of the country are 'technically' not declaring everything to their insurers. I expect a lot of people aren't even away they have non standard parts on their cars.
 
Skeeter said:
The legal requirement covers any factory fitted options, so I expect 50% of the country are 'technically' not declaring everything to their insurers. I expect a lot of people aren't even away they have non standard parts on their cars.
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This is so true, the amount of people at work that have various mods on their cars that either don't know they should declare them or just won't is insane. One chap refuses to believe he has to declare a stainless exhaust as "it doesn't make the car any faster", and a few others with different alloys, exhausts and bits of bodykit that are just plain ignorant of the fact. And these aren't car enthusiasts, just normal people, there must be loads of cars in the uk with undeclared parts.
 
just out of curiosity, let's say I buy a car that is remapped, but I never know this because the previous owner didn't tell me and I haven't driven similar cars.

Can I play innocent and argue that "I didn't know mr insurer"?
 
Cristian said:
just out of curiosity, let's say I buy a car that is remapped, but I never know this because the previous owner didn't tell me and I haven't driven similar cars.

Can I play innocent and argue that "I didn't know mr insurer"?
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If you don't know, and the insurance company doesn't know, what will suddenly make them aware if you make a claim? Remaps are an odd one as there is nothing physically changed on the car so they are very easy to overlook.

There is also the argument about wether an insurance company would actually know wether the wheels were standard or a factory option. I mean what the hell does a 'standard' BMW Mini look like? Theres eleventy billion trillion options for those.
 
I would declare everything, just to be on the safe side.

I'm currently shopping round for insurance, aiming for sub £500 but best so far is £520
 
Cristian said:
just out of curiosity, let's say I buy a car that is remapped, but I never know this because the previous owner didn't tell me and I haven't driven similar cars.

Can I play innocent and argue that "I didn't know mr insurer"?
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Remaps are hard to spot, unless you leave the print outs on the dash board for them to see they would never know. The only way to tell would be to either go plowing through the ECU for the different files or to drive it and see the rev limiter is higher than factory standard.

Unless you've caused a very high payout for them then I doubt they will do either of these, or will be able to (if it's smashed up and needs repairing first).
 
I have everything declared. I even have my Turinis declared, because whilst they're standard on the Trophy, they weren't standard with my 182, and they weren't an upgrade option. Better safe than sorry.
 
Declaring stuff is for your sake, on a modified policy it's insured. My mate got 5.5k for his g reg golf because he declared all mods, the car it's self was probably worth 500.
 
Exactly. It wont affect payouts to 3rd parties, but if its an item you would want to claim for should you run out of talent on your own, you will need it declared.
 
No, most insurance policies will be void if mods are not declared. You don't just declare then so there covered.

For example, elephant will insure modified cars but won't replace in mods in the event of a claim.
 
dazz25 said:
No, most insurance policies will be void if mods are not declared. You don't just declare then so there covered.

For example, elephant will insure modified cars but won't replace in mods in the event of a claim.
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Wrong.

Not declaring your modifications will only affect your side of a claim, it will not affect any 3rd party payouts. Fully Comp covers damage you cause to others, as well as damage caused to yours. If your car is not as you said it is, they can refuse to pay out to repair it, but they will still have to pay out to repair any damage you cause to others. It doesn't make your policy void, but it could effectively make your insurance the equivalent of 3rd party only.
 
Skeeter said:
If your car is not as you said it is, they can refuse to pay out to repair it, but they will still have to pay out to repair any damage you cause to others. It doesn't make your policy void, but it could effectively make your insurance the equivalent of 3rd party only.
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If they would have refused to cover your car with the mods then they can reclaim the cost of paying out to a third party by suing you for the sum though. Which could be quite a lot when you factor in hire cars, personal injury etc.

Having said that I can't find any reliable source for it...
 
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dazz25 said:
No, most insurance policies will be void if mods are not declared. You don't just declare then so there covered.

For example, elephant will insure modified cars but won't replace in mods in the event of a claim.
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Elephant will replace the mods to a certain value if you pay another small cost. I covered my coilovers with them.
 
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