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Thread: Mods and Insurance

  1. #1

    Mods and Insurance

    This question was put out on another forum looking for the views of people and insurance companies

    Can you share your stance on things, i.e. ;

    1) Debadging
    2) Adding a forum sticker
    3) Changing from 88Y to 92Y tyres
    4) LED interior bulbs or LED number plate bulbs
    5) Stubby OEM Aerial(say off a Polo)
    6) Black badge

    All mods, but do we need to declare such minor things or is it just getting ridiculous?
    The answer from an insurance comapny advisor was.

    They ALL need declared, after all the car didn't come with them from the factory. This is the key thing to remember. It is highly unlikely an insurer would void a claim over an (for example) undeclared window sticker but a combination of undeclared changes could cause a problem.

    It is not a case of picking and choosing which modifications or changes you should declare, just declare everything.

    Depending on how wisely you picked your insurer, none of these listed above will increase the price of your insurance policy or even pick up an admin fee. .

    Before you all shoot me down for telling you to declare window stickers etc, please remember that as a representative of an insurance company, I can only give you the 'strictly speaking' answer

  2. #2
    4th Gear georgevw's Avatar
    Join Date
    May 2011
    rugeley, staffs

    Re: Mods and Insurance

    seems a bit daft if u do have to start and declare all the niggly bits, i just normal declare alloys and coilys on mine, only car i did declare all mods on were my mk1 as it was picked up due to having same insurer as previous owner and that declared manifold,exhaust ect ect

  3. #3
    Join Date
    May 2011
    Scammer Street

    Re: Mods and Insurance

    think its best to declare them all but with my company Adrian flux any visual mods don't up your premium, except coilovers i only paid an extra £14 for them but i did declare all my mods for an extra £250 pound a year.

  4. #4
    VIP Member Wrighty's Avatar
    Join Date
    May 2011
    crusing about

    Re: Mods and Insurance

    it seem silly but the geezer is playing it by the book. brentacre dont increase your premium for any mod that dosnt effect teh bhp of the car so wheels coillies ICE and all that are free
    Fully fledged member of the 8V death squad

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