Should you declare all your modifications? - Page 3 - Saxperience

Tsaxovtr · 14th October 2008, 23:45

im with quuin got fucked over when they found my de cat

Agent_Orange · 18th October 2008, 21:06

Read this string...
Got paranoid about my recent back-box upgrade...
Called privilege (I'm old and got lots of no-claims)...
Informed them it was a cosmetic change only...
Cost me an extra £50 a year and £100 extra on my already crap £350 fixed excess...
Nice

dannyboycov1991 · 16th January 2009, 23:19

so are Bell not arsed bout modding? my mates on direct line n they wont let him have no mods at al. cant even change his cd player. but direct line seem to be cheapest for me

AlexB^p · 16th January 2009, 23:32

bell nearly doubled my policy when i declaired mods on my vts
and they only allow like 7 or 8 mods i think

91mikec · 11th February 2009, 19:45

Quote:

Originally Posted by lukedorritt

Hi i was just wondering if you should declare all mods even when your tpft. Forgetting fire and theft; if someone crashed into you and you claimed on their insurance, your insurance does not deal with the issue and so mods aren't seen too? Also how much would tints, and an induction kit add to a premium on a furio which is 2200 tpft beforehand?

On a standard furio mate, try churchill.
Mine is 2000 for a year on standard furio, not declarin my mods

as they dont allow any!
Link below:

https://uk2.churchill.com/insurance/...e3ba4960692d2d

Agent_Orange · 12th February 2009, 18:51

If you don't declare mods, have a smack up, trash some ones expensive car, kill someone etc....
YOUR INSURANCE WILL BE INVALID AND YOU WILL BE FOCKED!

wipeout321 · 13th February 2009, 21:43

when i renewed mine i got it with a brooker who sells on behalf of coop and he didnt even ask me about mods.....so when i got the policy through i checked and it does'nt say anywhere about no mods......suites me :-p

shaunyboy · 14th February 2009, 00:01

Quote:

Originally Posted by AXracing

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."

so what are they saying

Jungle_Jim^m · 14th February 2009, 00:12

if you want to modify your car use brentacre and get a modified car insurance premium, mine allows unlimited cosmetic mods and performance mods such as lowering, brakes, wheels and a BHP increase of up to 10BHP, so induction kit and full exhaust system. If i want more BHP i can just increase what powerband i want by paying a little more.

whatever you dont drive a modified car without declaring mods, it will void your insurance in a crash and if you write off an £60K bmw or kill someone you will have to pay the costs yourself, you could well be fined/given points by the police as its as good as not having insurance

shaunyboy · 14th February 2009, 01:28

Il have to give them a ring

JamesR^m · 11th September 2009, 08:54

Good guide Paul.

Andy_90 · 16th September 2009, 12:07

After reading this thread I rang my insurance company and declared my alloys. But was thinking of getting an induction kit - I guess thats classed a mod.

Sal · 18th October 2009, 22:12

no i dont think you should, you are better off but.. i dunno i think its a waste!

welshy23 · 18th October 2009, 23:17

Quote:

Originally Posted by 91mikec

On a standard furio mate, try churchill.
Mine is 2000 for a year on standard furio, not declarin my mods

as they dont allow any!
Link below:

https://uk2.churchill.com/insurance/...e3ba4960692d2d

well done, go and advertise yourself on a known motoring website on the part that says "declaring your mods" haha i hope an affiliate of your insurance company reads this

Joesax1 · 19th October 2009, 23:32

I can Vouch for Quinn-Direct, they are good friendly people, and like the guy said in the first page, unless it's performance mods you don't need to declare them

stumac77 · 6th November 2009, 16:51

think i,ll give adrain flux a phone heard their good

diff · 17th November 2009, 14:29

Only problem iv found with quinn is being insured on your provisional and then getting a full license your premium rises by a massive amount!

RustySkull · 18th January 2010, 22:44

How do you actually get a quote with Brentacre Insurance Services Ltd? Lol

The site has like no buttons or hyperlinks =/

Jungle_Jim^m · 18th January 2010, 23:14

use this magic invention called a phone

phone number is here mate
http://www.brentacre.co.uk/contact-us.php

moxy89 · 18th January 2010, 23:25

ie though i think this is poor as many website say insurance friendly Panel filter..

ie what if you have a panel filter.. cant be seen
cams cant be seen.
ecu remap cant be seen. 99% of young people on the roads with modied cars are not insured correctly if they crash into me i will kick them...