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Thread: Insurance payout refused because of mods?

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    Default Insurance payout refused because of mods?

    I'm looking at buying a CR1 tuning box and just rung the insurance guys (Elephant) asking for prices for this on my policy (1.9 cdti sri 150), around £800/year *extra*

    So I was wondering if anyone had had problems with insurance not paying out after an accident because of undeclared mods, particularly a tuning box. I understand that in the event of a serious accident the box could (in theory) be removed so that it's never there for the insurers (and they wouldn't realise it had been there unless they check it with a tech2 or something).

    Or maybe I just told them about it the wrong way as the guy asked "is it a performance mod?", "yes", "how much power does it add?", "around an extra 20%, 35bhp". Was that a bit of a mistake?

    Thanks ppl


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    Regular Member Gsi3.2's Avatar
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    was it a mistake...no not really..if they find anything like the box fitted after an accident, you will be left high and dry if you don't declare it..

    Have i had a payout refused....no, but i know someone who did..dropped a turbo lump in their XR3i cab and rolled it end over end some weeks later..insurance just didn't even want to know him..

    From what i've read on here about people declaring ther tuning boxes, the increase does seem far too high in proportion..

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    Regular Member Caterman's Avatar
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    Try Adrian Flux m8. Just renewed mine. £292 all mods declared.

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    I'll give them a try, thanks. Tried them a few years back when I was 23, with 6 points on my license and no no-claims. Hey if they can match Elephant I'd be happy. I presume the service from Adrian Flux is pretty good? Elephant have great customer service and are very good for claims too.

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    Ex Vec-C Admin & Founder Bainie's Avatar
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    I haven`t had insurance refused, but just as bad really, when I was younger I had an RD350, it was tuned and had race exhausts on it, anyhoo I got stopped by plod and he spotted the exhausts and asked if I had told the insurance co, of course I have I said, he dug a bit, and in the end I was charged for driving with no insurance and fraud !! I got admonished on the fraud charge but got 6 points and an IN on me license. (they never refunded the £800 I had paid them tho!) So it`s not just the claim your chancing ..


    I now declare everything .....

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    Quote Originally Posted by Bainie
    I haven`t had insurance refused, but just as bad really, when I was younger I had an RD350, it was tuned and had race exhausts on it, anyhoo I got stopped by plod and he spotted the exhausts and asked if I had told the insurance co, of course I have I said, he dug a bit, and in the end I was charged for driving with no insurance and fraud !! I got admonished on the fraud charge but got 6 points and an IN on me license. (they never refunded the £800 I had paid them tho!) So it`s not just the claim your chancing ..


    I now declare everything .....
    I guess that's not very likely with a tuning box but I take the point, thanks, better safe than sorry! I'll see what Adrian Flux have to say.

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    Regular Member Jamie's Avatar
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    Quote Originally Posted by Bainie
    I haven`t had insurance refused, but just as bad really, when I was younger I had an RD350, it was tuned and had race exhausts on it, anyhoo I got stopped by plod and he spotted the exhausts and asked if I had told the insurance co, of course I have I said, he dug a bit, and in the end I was charged for driving with no insurance and fraud !! I got admonished on the fraud charge but got 6 points and an IN on me license. (they never refunded the £800 I had paid them tho!) So it`s not just the claim your chancing ..


    I now declare everything .....
    Funny you should say that... I've recently seen a case of someone being guilty of exactly the same thing... having stopped a vehicle and made enquiries with the Insurance company. the driver is being reported for 'Obtaining a Pecunary Advantage by Deception' for not declaring his modifications.

    Needless to say, I declare everything!

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    Regular Member MalcGSI's Avatar
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    Declare everything, just not worth the risk \ hassle if you don't.

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    Iam with Privalage and all my mods are noted. If you are happy to increase the excess it can take the premium down a little. Like all the others have said, do not take the risk.

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    places like Adrian Flux specialise in cars with mods, so they understand the customer a bit more than your average company.
    If you have no luck with the likes of Elephant, Direct Line, (all the usuals etc) then the best thing you can do is get down to your local newsagent and buy a copy of max power.
    yes, i know you'll have to wear a balaclava to buy it, but all the specialist insurance companies advertise in the back of mags like that.

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