Should you declare all your modifications? - Page 2 - Saxperience

iain-d · 7th February 2008, 17:32

Quote:

Originally Posted by LinfeildFc4Life

with quinn direct paying 987.00 for a 1.1 saxo first car to thought was a class price

i was paying £870 for a 1.1 with quinn.... but wen i passed my test they put it up to £1360 lol

Wilkys-sexy-saxo · 11th February 2008, 13:54

iam with quinn,and my insurace is 220 a month!!! i only have alloys, backbox, iice and some other little bits... wtf?!?!

Quote:

Originally Posted by Paul_CGM

YES

Recently alot of the new members have been asking, "Should i declare my mods". The answer is a simple yes, Insurance companies are out to make a profit, if you mod your car and crash, they will not pay out.

One suggestion from me, if you're doing modifications that do not improve performance in any way then i would try www.quinn-direct.com These are quite good for mods.

Should you declare ICE?
Well ice is covered with your insurance upto a certain amount most of the time, Check your paperwork that your insurance company should send you in the post. Or you could phone them up and ask if your ICE is covered already. If you have expensive In-Car-Entertainment then i would definately phone them up and let them know.

What mods can you get away with?
Well insurance companies like quinn-direct, dont mind modifications that do not improve your cars performance. So mods like, Bucket seats, tinted windows, suspension alterations, brake alterations, debadging, de-locking, etc, shouldnt really change the price of your quote. If so only a little.

Performance mods
As soon as you start making your car 'Faster', the insurance company will think of you as a boy-racer, dangerous driver etc. And this will affect your quote. If you still want to go ahead making your car faster, then i would suggest some simple breathing mods like induction kits etc. Basically the more you do, the more you pay.

Insurace Companies, Good for modding
> www.quinn-direct.com

> Adrian flux:

>Brentacre Insurance Services Ltd

>Bell

> Pm me suggestions please so i can get a list going.
Hope this helps, and if anyone can improve it, please post so i can update it.

Wilkys-sexy-saxo · 11th February 2008, 13:54

Quote:

Originally Posted by iain-d

i was paying £870 for a 1.1 with quinn.... but wen i passed my test they put it up to £1360 lol

yer same, BUMP i tell you! so much for the luck of the irish

Paul^p · 15th February 2008, 14:25

Quote:

Originally Posted by Wilkys-sexy-saxo

iam with quinn,and my insurace is 220 a month!!! i only have alloys, backbox, iice and some other little bits... wtf?!?!

/Spacebar/*
Insurance*
£220*
I*
ice*

------------------------------------

Hi. The modifications you have put down should not increase your quote (because your with Quinn). Insurance is down to postcode/age/job etc. £220 Seems a little high for a 1.1. Hopefully it wont be as much next year once you have your no claims.

Paul

VTR-Chris · 7th April 2008, 23:42

rough increase for a magnex 3.5" backbox????

im paying 1050 TPFT with quinn

cheers.

Ax_beefy · 8th April 2008, 00:27

It may also be of interest to know that by not declaring mods you may infact be breaking the law and are *possibly* at risk of being found guilty of 2 charges!

Insurance fraud - Lying about facts or circumstances in order to reduce the rate of a premium
Driving without valid insurance - If a company refuses to pay out it will VOID your policy, this means your car was NEVER insured since taking out or re-newing that particular policy!

Just worth considering, even though it is worse case scenario etc.

Coonper · 8th April 2008, 08:58

What would happen if an old woman bought a highly modified supra for a run around?

She wouldnt have a clue about dump valves, turbo timers, wastegates, coilovers etc...

Therefore she would not decalre them! What happens then?

Chuffy · 8th April 2008, 09:37

Quote:

Originally Posted by Coonper

What would happen if an old woman bought a highly modified supra for a run around?

She wouldnt have a clue about dump valves, turbo timers, wastegates, coilovers etc...

Therefore she would not decalre them! What happens then?

She would get her head shagged.

Fair point tho. There was an old couple near my school who had a nissan pulsar. I'm sure it had an aftermarket backbox on as it was loud as fuck. doubt they declared any mods. It was their little run around.

You hear this about Chavs putting induction kits in their nans 1.2 corsa's and not telling them lol. Slightly off topic, but the most common sight for me on the road is black 1.2 Corsas with "sport" chrome petrol caps.
On topic tho - undeclared mods = void insurance.

Chuffy · 8th April 2008, 09:41

Quote:

Originally Posted by VTR-Chris

rough increase for a magnex 3.5" fart cannon????

im paying 1050 TPFT with quinn

cheers.

roughly ..... £150

shooorn94 · 11th April 2008, 20:20

Just to add another quote for a company for Paul.

I'm with CIS (co-operative insurance) and they do not allow any modifications other than standard parts-this means that wheels must be the same size as what they were when the car left the factory (Citroen 13" alloys are allowed however) however interior (seats, ICE, etc.) you do not need to declare.. at least this is what Martin the CIS telephone advisor person told me. "So a 106/vtr interior is considerred standard as peugeot and citreon are both part of the PSA group"

Tbh CIS aren't worth getting insured with if you intend on modifying. Parts for my car are laying around the house e.g. strut brace, and my induction kit was, had to sell it.

Mr_X · 12th April 2008, 00:00

its a no brainer really

usherjz · 25th April 2008, 21:00

im with Lloyds TSB, only 17 and im paying £686... paid £675 for the car.

Called yesterday about an induction kit and they said its fine

no premium increase. How it should be

dianahepworth · 1st May 2008, 22:20

Would I need to ring up and let them know about alloys etc? (stupid Q I know, but I want to be well above board like..)

Rootyuk · 1st May 2008, 22:27

Quote:

Originally Posted by dianahepworth

Would I need to ring up and let them know about alloys etc? (stupid Q I know, but I want to be well above board like..)

yeah you would need to tell them about alloys.

ashii_boi_saxo · 10th June 2008, 21:08

Do Not Go With Budget!!!

freddiethomas · 2nd August 2008, 21:15

what about tesco lol

toms_vtr · 1st September 2008, 00:12

i was just about to post a thread about this lol.

AXracing · 6th September 2008, 14:26

With the HIDs just try telling them that these do not comply with ECE regulations and that they make your car illegal to use on the road and then see if they will still inshore you. Don't forget you don't just have to declare but you also have to declare if they make your car none road legal. Its like you cant just say you have 001T tyres fitted, you would have to say I have 001T tyres that are not road legal.

From the AA

"As brokers we deal with many different insurers whose policy for modifications differ. Some would not cover any modification, so if found out after a claim would either not allow the claim or void the policy. Others would investigate the modification, and if they decided to proceed would ask for an additional premium. However if the modification is not legal it is unlikely that any of our insurers would allow this."

cruisingcar08 · 25th September 2008, 14:30

Yes of course... will need to declare all car mods I would advise research on how much it will cost looking at this link it has much useful info on car mods and why most insurance companys are not too happy about them. car modification...

jonnysamol · 25th September 2008, 15:33

Diana hepworth...Look at you all grown up and on saxperience!