insurance disclosure

[mrroo]

hi everyone , with the money i know everybody is spending on there pride and joy just wondering what mods and extras you disclose to them . i have personally told them i have 19" alloys 35 profile tyres thats it what about engine mods twin exhaust non standard dvd/ radio the list goes on
any thoughts please

[GARY3306]

Tell them absolutely everything and if they say that its fine it won't make a difference, make sure you get some written acknowledgement. If you don't tell them of something and you make a claim, and they find out about the undisclosed mod, they WILL NOT pay out. That will be just the excuse they need. Don't give them the satisfaction. They will just get you on whats called 'failure to disclose' and you are absolutely banged to rights, no getting out of it.

[bigmac]

Its a bit difficult with cars these days as you can have a basic model but it can come with some top spec stuff from factory,as most of this was optional extra's you could pay for from new.
Things like Navi,wheels,interior ? or where they only available with certain models

[gaz4d]

The same as what has been said above.

I used to work for a couple of car insurance companies. The claims guys took great pleasure in finding out about modifications to cars and them not being declared.

INSURANCE NULL AND VOID FROM INCEPTION!!!

[mrroo]

thanks for the input guys will be upfront on all the mods i am planning

[vectrasri20t]

what about me as i have facelifted mine what do i tell them

[ditchp]

as above tell them everything you have done to your car.....even better send them a full spec list and pictures so they can actualy see the condition of your car, my ins company have got these 2 item's and even though they will only pay out for a standard car if a total loss, if it can be repaired it will be repaired to how it is now not standard..

HTH

[ChrisKnottInsurance]

Yes, always declare mods. They're OK with us anyway, except roll cages & nitrous.

[nick-v2.2]

has gone to remove his nitrous :-( lol ........joke.

I always declare everything, if it aint bad enough with uninsured drivers, theres no point paying for a void insurance

[spennny]

Even if i have a dual exit exhaust and i change it to the VXR exits,