Declaring

[mick2404]

How many of you lot at some time (not saying now, cause that'd incriminate you) not fully declared mods on your insurance (or other things, e.g. points)

I've always declared, and thankfully not needed to claim, but there seems to be a bit of a trend of "oh i'll tell them next year" sneaking around....

Mick

[Josh_Phipps]

As far as my insurance company is concerned my car is standard lol, but thats the risk i choose to take...

[Robbo]

ive told mine about alloys and tinited windows. no price change though. havnt told them about induction kit as if i crash i can just rip it out and put the old one back in

[Josh_Phipps]

Its a bit hard to rip my VTS engine outta my VTR :P

[Danr]

Its a bit hard to rip my VTS engine outta my VTR :P

Mate, that is seriously not cool, what if you hit a kid one day, the insurance won't want pay out and you will be fucked for life.

I haven't had a modded car yet as i have haven't owned them for long enough to start to but i will if i think i will keep them and declare everything.

[Dave_M]

Declared some of the things but not all. Have to declare my points at renewal. Which i will do.

Certain things you can get away with but engines i wouldnt risk. Becuase it voids not just your insurance but MOT and tax probably.

[Barry123]

didn't declare my seats... probs thinking i should really - i actually genuienly forgot about them at insurance renewal time.

Everything else is declared.

Alloys
Soon to be bodykitted
even door handles sprayed :P

[Barry123]

Its a bit hard to rip my VTS engine outta my VTR :P


i'm concious that i moan a lot in these sort of threads, as a result i've be holding back recently.

But that is proper f**king pure stupidity.

[LittleDude101]

all should be declared, especialy something like a new engine.

[xxxvickxxx]

whats the point in not telling ya insurance your lose out if you have a crash

[marc666]

havent told insurance about none of mine yet, but i only have a cage and morrettes which are easy to rip out if something happens, but once its lowered everthing will be done.

[Ma5on]

im looking at doin my car up im only 18 but been driving under my moms name for the first year and will declare all the mods on my car if the insurants company lets me.
directline didnt let me declare anything on my fiesta i had but i put the standard alloys on it and i colour coded the bumpers and added a front splitter but had a crash but lucky didnt claim. so i wont be doin that again isnt worth the stress tbh

[Ben_L]

what about lowering by say 30-40 mm? is it worth telling them for that?

[liam_b]

my mate was on about putting citroen badges on my alloys as thay dont have any and say thay are factory fitted alloys good or not?

[Barry123]

what about lowering by say 30-40 mm? is it worth telling them for that?

Not 'worth' it dude. Its imperitive you tell them.

[Barry123]

just got a quote for adding the Baawdy-kit (bodykit) to the insurance, a whopping £25.

[Mark51]

ive got exhust, lowered, tints, BMC, colour coded, alloys, sound system inc. dvd player.
ive only told them about alloys and lowering, oooppps!!!

[GrantW]

i phoned quinn the other week to tell them about all the lights being changed, leather being put in, windows tinted and sounds stuff, and they didnt even want to know what i had done to it, as long as it didnt alter performance or suspension. they just wanted to know how much value it added to the car, and didnt put my premium up which was great!

[DevilDamo]

My company have details about all my mods... I don't fancy "risking" it for the sake of other road users.

[b0t13]

everything declared on mine, exept my smoked lights front and rear which the insurance dont care about, so im covered. and if someone crashed into me with void insurance id drop them there and then as id have to pay for their fuck up!

[Barry123]

if someone crashed into me with void insurance...

...i'd run over their fu**ing head.

[b0t13]

thats not painful enough, id smash there face of their car b4 running over it!

[Karl]

i know its right to declare, hence why ive never driven a modded car;
but as good as we are as individuals; there will always be a majority of ppl that dont declare unfortunately.

[samcook]

how much do insurance companies tend to add for lowering the car?

with my furio it didnt matter coz i was only third party and the insurance company (_quinn) said that any modifications aslong as they werent going to make the car go faster wouldnt matter.

[Barry123]

how much do insurance companies tend to add for lowering the car?



that'll depend on your circumstances... the insurance company you are with and what policy.

[mike_obuk]

in my first 4 years of driving i had third party so neglected to tell them a few things. i did declare at the begginning of the policy but never bothered to update when i did something new to the car.

now that im fully comp everything is declared and will be from now on.

[mac24]

ive just declared my mods,its only costing 100quid more an my arse doesnt nip any more when i see they police,lowered 35mm,stainless steel 4-2-1 straight thru jap system,tsw alloys,induction kit,i was expecting loads more in price like but im happy as a dog with 2 c***s now.

[R4T]

Its a bit hard to rip my VTS engine outta my VTR :P

your not willing to tell them about 16v's and 20bhp extra,thats sad,i hav done this once before but 1 week into it just told my insurance about the mods as it didnt feel rite,sumbody may hit into me!! and if you aint covered properly it comes out your own pocket,which means your paying insurance for no reason what so ever!

[Josh_Phipps]

M8 it was a fuking joke, read whats written in my profile, what car does it say i drive??? A VTR, if i had a vts i would say that... Jesus it was meant to be joke but some people on hear think they are the law and can not take a joke you being one of them.... JOKE!!!!!!!

[Barry123]

Arent you supposed to mildly rib tickled by a 'joke' though?

[Jonny_H]

i got my alloys after 6 months of driving didnt bother declaring at the time. but i did when i renewed the policy.. and it's also declared for being lowered as well now. everything declared in fact..

was thinking of getting an induction kit but my insurance want to know loads info about it.. how much bhp and stuff like that...

i know it's not right but if i get one i probably wont declare it as it's alot of messing about on my and my insurance's behalf...sorry