Should you declare all your modifications? - Page 4 - Saxperience

RustySkull · 19th January 2010, 17:49

Quote:

Originally Posted by Jungle_Jim

use this magic invention called a phone

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

Oh haha thanks

wadoryu · 19th January 2010, 18:46

if you dont declare all of you modifiation your insurance is void. if your insurance is void youve got no insurance. if youve got no insurance and get pulled over you car gets crushed. so yeah declare your mods

Scottysaxofaulko · 3rd February 2010, 12:14

thanks for info m8

very helpful (y)

basujansb0110 · 17th February 2010, 06:04

Wow !
I am little surprised to hear about this....

But I think, all the insurance company are same in their behavior .....

And wanna thanks a lot for sharing this with us.

pontiac bonneville supercharger

BazzaC · 17th February 2010, 09:42

Im glad someone finally made this topic...You do need to declare all modifications.

A modification is something which actually differs to the manufacturers standard build on that particular vehicle.

I have seen questions on here about "I have a saxo 1.1 and want to put a VTR/S kit on or VTR/S Alloys on, seems Citroen make them is that not a modification?"

Well the answer is yes, that is a modification, although they are standard on other Saxo models, they are NOT standard on the 1.1, hense why its a mod.

Good thread imo!

XStephyX · 17th February 2010, 13:38

just declared my mods didn't really make much of a difference in price im with tesco on fully comp insurance iv just delared
Suspension , lights, bucket seats alloys was paying £34.60 a month now £48.48 .
not bad i rekon.

BazzaC · 17th February 2010, 15:37

You say that has not made much different but...

An extra £14 a month = £168 a year?

But still, its much better they are declared!

XStephyX · 17th February 2010, 21:32

Quote:

Originally Posted by BazzaC

You say that has not made much different but...

An extra £14 a month = £168 a year?

But still, its much better they are declared!

it would be less but as i only have 5 months left on my policy they have had to split 12 months worth between the next 5 payments .

BazzaC · 17th February 2010, 22:05

Since when have you had the mods?

If they are recent mods, then that wont be split for the 12 months, that will be for the time left on your policy.

Expect a big increase in premium if thats only for 5 months!

XStephyX · 17th February 2010, 22:31

well rang them this morning had them added on only just really put the mods on but yes they have split it between the 5months , added it to the original 12 month premium then took off what i had paid then added the extra on to the remaining 5months.Was only paying £350 a year this year before declaring anything.

BazzaC · 18th February 2010, 09:12

Sorry I didnt quite get that lol.

Basically, if you add mods 6 months into a policy, they wont charge you for having them the full 12 months, they will only charge for the 6 months its been on cover.

So the premium for adding your mods was only for the 5 months left on the policy, not for all 12 months.

JAFFA_JAKE · 15th March 2010, 19:26

cheers man, alloy wheels dont really affect performance too much, when i declare them, will it increase my insurance too much?

aLz327 · 8th April 2010, 13:30

i'd say declare all mods, i was on the honda civic forum, and there was a thread about the new speed cameras that are being introduced, these can read liscence plates and read data like the police in car system, so they will be able to see if you have mot, tax, insurcance and delcared mods, if you dont have these it flashes just as if you wer speeding.

I'll find the info and post it

nufcsteve · 8th April 2010, 13:33

y on earth would you declare debaging ur car?

AshC · 8th April 2010, 13:38

Quote:

Originally Posted by nufcsteve

y on earth would you declare debaging ur car?

Beacause you have spent money getting that done. If you crash they will replace it with a normal boot rather than your 'smoothed boot'. It wont change your insurance much/at all so worth doing.

nufcsteve · 8th April 2010, 13:41

Quote:

Originally Posted by AshC

Beacause you have spent money getting that done. If you crash they will replace it with a normal boot rather than your 'smoothed boot'. It wont change your insurance much/at all so worth doing.

i didnt think u meant smoothing it off, i thought u just meant taking the badges off haha nevermind.... im insured for everything, except for my smoked lights, coz i havnt got around to it

BazzaC · 8th April 2010, 14:06

Quote:

Originally Posted by nufcsteve

i didnt think u meant smoothing it off, i thought u just meant taking the badges off haha nevermind.... im insured for everything, except for my smoked lights, coz i havnt got around to it

Want my adivce?

Get around to it lol.

nufcsteve · 8th April 2010, 14:46

lol not summit that will void ur insurance really, i crashed a focus fully modified exterior and interior and not insured, never got voided coz they wernt performance mods

es_shoes_rock · 11th April 2010, 17:49

right my argument is you cant insure a de-cat as its illeigal?

so whats the point paying extra for all these other things when you know its going to be void anyway...

+ i mostly drive on country roads and a "knock 4 knock" rule applys so the insurence arn't even involved!

Odsy · 12th April 2010, 11:16

I'm with fluxdirect, part of Adrian flux and i just rang up to switch from my modded vtr to a standard furio and they said it would be 55 pound extra ontop of the 1200 per year im paying for the vtr, thought that sounded pretty ridiculous. I asked for a quote with vts wheels and they said they would reimburse 104 pounds! saved 150 quid by declaring mods

.

The lovely lass said its a special policy they do for modified vehicles. Can't be bad 'ey?