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Thread: should i inform insurance?

  1. #1
    Regular Member paul_sri150's Avatar
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    Default should i inform insurance?

    My car has been modified yes, however no more really than what a standard XP would change.

    All other mods are just a little paint or some minor interior changes etc, well alot of minor changes

    But just got me pondering should the insurance be informed of all of these changes? its bad enough trying to get through to them as it is, and getting them to understand english, never mind explaining modifications

    yes i know i should really let them know about the tuning box, but other than that, could any of these mods (seen in my signature) cause an issue with insurance?

  2. #2
    Regular Member shadyone's Avatar
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    Default

    The simple answer is yes, all mods should be declared.

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    Default

    Could you afford for a loss adjuster to refuse your claim and you have to find the money for a new car. If you can don't tell them (and lucky you!) if not tell them your mods.

  4. #4
    Regular Member Grumpy1954's Avatar
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    Vehicle : Ford Kuga

    Trim : Titanium

    Engine : 2.0dtci

    Year : 2014

    Mileage : 1200

    Default

    Hmm, I suppose I ought to tell them I fitted rear parking sensors as well as some of those PaulSRi listed.............

  5. #5
    Regular Member paul_sri150's Avatar
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    Default

    nothing on the interior is major tbh just the head unit, so would it be easyer to call up and state that an aftermarket stereo, wheels and an XP have been fitted?

  6. #6
    Ex-Staff Full Member John LE's Avatar
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    Vehicle : Facelift Insignia/Corsa D

    Trim : LE/VXR

    Engine : 2.0 cdti/1.6 Turbo

    Year : 13/07

    Default

    Declare everything, it's really not worth the risk, and especially declare your tuning box. Also next time you are due for renewal go for one of the British based brokers rather than the cheap insurance guys.

    Adrian Flux, Chris Knott and Sky insurance are all british based meaning that your mods are easy to declare

  7. #7
    Regular Member paul_sri150's Avatar
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    Default

    i have just sent an email off to more than, so hoping to get a phone call in next day or 2, hopefully wont increase the premium too much

    the smaller stuff, i.e different badges, led conversion etc i wont bother with but things like aftermarket stereo, tuning box, wheels, xp splitter i will declare

  8. #8
    Regular Member Handyandy-UK's Avatar
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    Vehicle : BMW 525i

    Trim : SE Touring

    Engine : 3.0

    Year : 2007

    Default

    Anything not an available option/item - declare

    Addition of Vx items available on the model either on different pec or as option - no declare

  9. #9
    Regular Member mark_647's Avatar
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    Quote Originally Posted by Handyandy-UK View Post
    Anything not an available option/item - declare

    Addition of Vx items available on the model either on different pec or as option - no declare
    So an XP pack doesnt need to be declared ? Is this because the car could have had it fitted from new anyway ?

  10. #10
    Regular Member omega63's Avatar
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    Vehicle : Insignia 2.0L CDTI SRI hatchback

    Trim : Black leather

    Engine : A20 DTJ 128 HP

    Year : 2009

    Mileage : 126,000

    Thumbs up

    I let "Admiral multi-car" know i had lowered the suspension all round on my vec, they told me it would cost me a extra £6.80p on my premium. Its not worth the risk m8, ["with all that insurance small print and b***s**t to stitch you up with"] tell them how ever small or big the mods. are......

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