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Thread: HELP insurance

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    Regular Member jimmywhu's Avatar
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    Default HELP insurance

    just been over my father in laws and his clued up about cars i was telling him that iv ordered this ie angel lights etc etc he said that i will need to tell indsurance and my price could go up is this true i though it was only engine mods pluse if you have alloys all ready replaceing them with better ones is just the same any help guys please

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    Regular Member chris1804's Avatar
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    Quote Originally Posted by jimmywhu View Post
    just been over my father in laws and his clued up about cars i was telling him that iv ordered this ie angel lights etc etc he said that i will need to tell indsurance and my price could go up is this true i though it was only engine mods pluse if you have alloys all ready replaceing them with better ones is just the same any help guys please

    i would say so, because they ask has the vehicle been modified from standard, so angel lights are a mod

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    Bottom line is, if you make a mod to your car you should inform your insurance company.

    If you are involved in an accident, and it can be attributed to a mod, then its unlikey to get a payout. Likewise, if you make a mod and do not declare it, it is also grounds that the insurers to forefit paying out.

    Done a fair few mods on my car, and all told it cost me and extra £20 a year, and one of them was an engine remap.

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    Ex Vec-C Admin Deztroyer's Avatar
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    Any mod needs to be declared ... Dependant on your insurance company they may charge an admin fee.... Bump the premium or charge nothing


    But if you fail to disclose any mods then they can refuse to pay out in the event of an accident

    0-Large smile ......every time it's driven

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    Regular Member bigdave1701's Avatar
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    A lot of insurers overlook most mods (apart from performance mods) as long as you've bothered to give them them a bell to let them know. Always worth calling BEFORE you perform surgery on your car! If they say it's ok and they don't need to know, it's still worth noting the date time and name of the person you spoke to just incase!

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    Admin & Merchandise Manager bigmac's Avatar
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    Vehicle : insignia

    Trim : irmscher

    Engine : 2.0 cdti

    Year : 2009

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    Moved !

    Irmscher Insignia CDTI 130

    MOD'S...Irmscher front spoiler, Irmscher mats, Irmscher door pins, Irmscher rear spoiler, Irmscher grille, Irmscher skirt & exhausts,Irmscher Roof spoiler MOD'S TO COME..Side skirts,Wheels

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    Regular Member jimmywhu's Avatar
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    thanks guys didnt waana mug the bloke off but you have helped thanks very much

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    Vehicle : Vauxhall Astra-J

    Trim : Elite

    Engine : 2.0 CDTi

    Year : 2013

    Default

    You've made your car more attractive to thieves who might want to steal the new lights, thus putting your car more at risk, thus possibly putting up the premium.

    Even doing something like putting a go faster pin stripe down the side of the car can affect premiums with some insurers.

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