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Thread: Insurance & Factory Fitted Items

  1. #1
    spoons
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    Default Insurance & Factory Fitted Items

    Hi All,

    I know I can just call my insurance company and get an answer (but it doesnt mean it will be the correct one )

    The question is.....

    If you have factory fitted items on your car, do you have to declare them to the insurance company...

    ... and how does this situation change if you have genuine vauxhall factory fitted items after the car was purchased....

    Interested in hearing your experiences....

  2. #2
    Regular Member MLC's Avatar
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    No charge for my factory fitted 19s.

  3. #3
    Regular Member Caterman's Avatar
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    Vehicle : Signum

    Trim : Elite

    Engine : 3.2 V6

    Year : 05

    Default

    When i asked my insurers i was told that if it was factory "standard" it would be replaced back to that standard. If it was added ie: irmscher kit etc, they wold replace only the standard parts. So if it was a factory fitted irmscher kit would it be replaced....... they were'nt sure.
    That's why i went to Adrian Flux. If i have a problem and they know about the mods, they are replaced without question.

  4. #4
    [Ex]Admin Duncan's Avatar
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    I had my Irmscher suspension put on some time after I bought the car. When I changed insurers (to Direct Line) they asked if I had any modifcations, so I was up front. I said I had this suspension, and pointed out that it was a Vx part (which is true) and was fitted by Vx. They classed it as a factory fit option, and no extra charge!

    Not only that, as mentioned in another recent thread, when I had my recent accident, not only did they replace the damaged Irmscher front suspension (damper and spring) like for like (as I'd declared it), they also replaced the non-damaged side suspension (damper and spring) so that the suspension was replaced as a pair - and didn't ask for any contribution from me for the non-damaged side replacement!

    Edit: Just seen your post Tony - I just don't undertand that attitude from insurers. If you've declared it (and they've charged you extra, or chosen not to) then why won't they replace with what you've declared?!! Why the hell do they make you declare things (so you don't void your insurance) and not replace with the declared item if it's damaged etc.?!!

    D

  5. #5
    spoons
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    Default

    Thanks Guys....

    Thats what I would have thought.... as they are all genuine vauxhall parts.....

    I'm still declaring them but dont want to be fobbed off with a huge premium rise....

  6. #6
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    Obviously we have different insurance companies here but the general rule seems to be that if you declare what's fitted to your car when you insure it then they will cover it with the rest of the car (assuming its roadworthy, of course). They generally reserve the right to increase the premium but it doesn't seem to happen that often.

  7. #7
    spoons
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    Quote Originally Posted by Duncan
    .....Edit: Just seen your post Tony - I just don't undertand that attitude from insurers. If you've declared it (and they've charged you extra, or chosen not to) then why won't they replace with what you've declared?!! Why the hell do they make you declare things (so you don't void your insurance) and not replace with the declared item if it's damaged etc.?!!
    D
    Legalised con........ thats what that is.....

    Dont declare it - we have the option of not paying....
    Do declare it - we charge you more on your premium..... but still have the option of not paying....


  8. #8
    Ex Vec-C Admin & Founder Bainie's Avatar
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    There are a few problems arising from this and the XP pack which is an optional extra, some companies are charging through the nose to insure XP kitted cars but will not cover the XP pack in case of an accident, they will just put your car back to standard. It is crazy !!

    With my vec all my mods were declared and covered so they would be replaced, but I paid double what the VXR costs now for the `privilidge`.

  9. #9
    Regular Member The Doc's Avatar
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    I have an 888 which has to be insured as a XP 1.9 CDTi with:
    - Tints
    - Suspension
    - Braking Upgrade
    - Engine Power Increase +25%
    - Wheels

    And bodykit if they don't know what an XP is.

    Good thing I got it on fleet policy

  10. #10
    Regular Member simac's Avatar
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    You have to watch insurers over this issue, my last vectra B didn't have alloys and I was thinking of fitting some.

    Renewal was due to I phoned and asked if fitting alloys would make a difference, they wanted an extra £160 (this was vx insurance).

    They told me that I would be making the car more desirable and if it was stolen they would have to cover the cost of the wheels.

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