Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc. |
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9th December 2007, 18:01
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#1
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Super Moderator
Join Date: Aug 2007
Location: Lancashire
Posts: 14,256
Car(s): Astra VXR + 1989 Astra GTE
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Should you declare all your modifications?
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.
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, 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
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> Adrian flux:
Quote:
Originally Posted by doely_gti
just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
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>Brentacre Insurance Services Ltd
Quote:
Originally Posted by johnnyg_vts
Im with Brentacre insurance and with my vts they have a 130 bhp policy (they do this with other cars too). Basically i pay my insurance and any mods i do wont cost any more as long as i do not breach the 130bhp limit. The mods include suspension, brakes, exhaust, filter, de-cat, wheels, bodywork...the insurance will only increase through the year if i go mad and get cams, re-map, throttle bodies...you still have to declare the mods you make but its a good deal i reckon.
Brentacre Insurance Services Ltd
98, Mansel St, Swansea, West Glamorgan SA1 5UE
Tel: 01792 650933
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>Bell
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Originally Posted by David
Bell are also good for mods...
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Quote:
Originally Posted by Soulless
agreed with David there.
although I will say that if you have an accident with Bell, they dont pay out for modifications.
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Quote:
Originally Posted by shooorn94
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.
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> 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.
__________________
Quote:
Originally Posted by ns9900
how big is it, edge to edge?
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Quote:
Originally Posted by 12u55
14 inches or so.
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Quote:
Originally Posted by ns9900
sorry bud, too big for me. GLWS tho
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Last edited by Paul; 11th July 2010 at 03:37.
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9th December 2007, 18:02
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#2
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Established Member
Join Date: Oct 2007
Location: Shoreham By Sea near Brighton
Posts: 2,065
Car(s): saxo vt*
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Glad you started this one comes up all to often
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9th December 2007, 22:37
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#3
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Saxperience Hardcore!
Join Date: Mar 2007
Location: Powys
Posts: 15,348
Car(s): Icelandtic Grey Citroen Saxo VTS 53 Turbo
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excellent information there mate
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10th December 2007, 00:58
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#4
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Established Member
Join Date: Aug 2007
Location: gwent
Posts: 1,322
Car(s): 2010 white focus RS, Corsa D 1.3 cdti sxi.
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just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
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10th December 2007, 01:37
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#5
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Frequent Poster
Join Date: Nov 2007
Location: Lincoln, England
Posts: 514
Car(s): 2000 VTR black
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Quote:
Originally Posted by doely_gti
just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
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wow, cannot wait till my renewal comes up. I wish all insurance companies thought like them!
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10th December 2007, 07:33
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#6
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Established Member
Join Date: Dec 2006
Location: Fleetwood
Posts: 2,244
Car(s): 2002 Saxo VTS
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Im with Brentacre insurance and with my vts they have a 130 bhp policy (they do this with other cars too). Basically i pay my insurance and any mods i do wont cost any more as long as i do not breach the 130bhp limit. The mods include suspension, brakes, exhaust, filter, de-cat, wheels, bodywork...the insurance will only increase through the year if i go mad and get cams, re-map, throttle bodies...you still have to declare the mods you make but its a good deal i reckon.
Brentacre Insurance Services Ltd
98, Mansel St, Swansea, West Glamorgan SA1 5UE
Tel: 01792 650933
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10th December 2007, 08:37
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#7
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Saxperience Addict
Join Date: May 2006
Posts: 12,553
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Bell are also good for mods...
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10th December 2007, 10:23
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#8
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Saxperience Hardcore!
Join Date: Apr 2006
Location: Ashford
Posts: 25,611
Car(s): LY R26
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agreed with David there.
although I will say that if you have an accident with Bell, they dont pay out for modifications.
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10th December 2007, 10:53
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#9
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Saxperience Forum Bum
Join Date: Jul 2007
Location: Sussex
Posts: 3,891
Car(s): 2x 106 GTi
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Some good info there mate
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11th December 2007, 19:21
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#10
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L-plater
Join Date: Nov 2007
Location: dartmouth/devon
Posts: 86
Car(s): polo gti
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deffo declare everything you may regret it guys....i think admiral is pretty good you can declare mods on website and get quote straight away which some dont let you do
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16th December 2007, 01:23
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#11
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Super Moderator
Join Date: Aug 2007
Location: Lancashire
Posts: 14,256
Car(s): Astra VXR + 1989 Astra GTE
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Updated post one
Cheers for input guys
__________________
Quote:
Originally Posted by ns9900
how big is it, edge to edge?
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Quote:
Originally Posted by 12u55
14 inches or so.
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Quote:
Originally Posted by ns9900
sorry bud, too big for me. GLWS tho
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18th December 2007, 09:30
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#12
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Saxperience Forum Bum
Join Date: Sep 2007
Location: Dunfermline
Posts: 2,814
Car(s): 2000 Wicked Red VTS
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I phoned adrian flux and got an excellent quote. My bro is also with them and they fully understand the need for mods!lol.
Better still to tell them everything tho!
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18th December 2007, 09:39
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#13
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Established Member
Join Date: Aug 2007
Location: gwent
Posts: 1,322
Car(s): 2010 white focus RS, Corsa D 1.3 cdti sxi.
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also just found this:
Adrian Flux are able to offer up to 15% discount on policies for Saxperience Members and welcome modified vehicles, young drivers and convicted drivers.
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26th January 2008, 23:22
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#14
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Regular Poster
Join Date: Jul 2007
Location: Rickmansworth
Posts: 306
Car(s): Posi Furio
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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?
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26th January 2008, 23:57
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#15
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Established Member
Join Date: Aug 2007
Location: gwent
Posts: 1,322
Car(s): 2010 white focus RS, Corsa D 1.3 cdti sxi.
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each and every quote goes for personal details, e.g. a guy i insured 2day was 23 with a x5 bmw, even though he was older than me, driving longer etc, his postcode made it £2000 dearer for him than it would me!
lifes a biatch lol
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27th January 2008, 15:15
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#16
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Super Moderator
Join Date: Aug 2007
Location: Lancashire
Posts: 14,256
Car(s): Astra VXR + 1989 Astra GTE
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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?
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Yes mate, declare all mods.
They can still send someone to check your vehicle, Imagine if you crashed into a supercar (£100,000+), insurance company is going to try doing everything in their power not to pay out.
Hope this helps mate.
__________________
Quote:
Originally Posted by ns9900
how big is it, edge to edge?
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Quote:
Originally Posted by 12u55
14 inches or so.
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Quote:
Originally Posted by ns9900
sorry bud, too big for me. GLWS tho
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27th January 2008, 17:37
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#17
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Regular Poster
Join Date: Jul 2007
Location: Rickmansworth
Posts: 306
Car(s): Posi Furio
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looks like il bedeclaring then lol
how much extra for tints and an induction kit on a furio
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27th January 2008, 17:40
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#18
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Regular Poster
Join Date: Jul 2007
Location: Rickmansworth
Posts: 306
Car(s): Posi Furio
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with quinn paying 2000 tpft
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30th January 2008, 14:13
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#19
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Super Moderator
Join Date: Aug 2007
Location: Lancashire
Posts: 14,256
Car(s): Astra VXR + 1989 Astra GTE
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Quinn wont charge you for any mod's that dont increase performance, you dont even need to let them know about them.
I rang up the other day,
"I'd like to declare some mods please"
"Ok, do any of them increase performance"
"No"
"In that case you dont need to let us know mate"
Just phone them up mate, they're quite easy to talk to. They're irish but have quite good manners
This is only with quinn-direct^
__________________
Quote:
Originally Posted by ns9900
how big is it, edge to edge?
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Quote:
Originally Posted by 12u55
14 inches or so.
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Quote:
Originally Posted by ns9900
sorry bud, too big for me. GLWS tho
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7th February 2008, 11:10
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#20
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Newbie
Join Date: Feb 2008
Location: bangor ni
Posts: 24
Car(s): saxo
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with quinn direct paying 987.00 for a 1.1 saxo first car to thought was a class price
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