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Thread: What classes as a modification for insurance purposes?

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    Default What classes as a modification for insurance purposes?

    As per title,

    Sounds a bit daft but is a modification changing something on the car that vauxhall didnt intend to be on it?
    My situation is i have a signum 2T on a 55 plate. 19inch snowies and an irmy front grill, were these an optional extra from the factory or would they have to have been added at a later date?
    So, if they are optionals from the factory, surely this would mean they are not modifications?
    I am wondering which is likely so to tell the new insurance accordingly. I wonder if its best to tell them anyway so my back is covered, i just dont want to be charged for mods if they are not.

    If anyone can shed any light on my questions it is much appreciated Ta

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    Forum Moderator John LE's Avatar
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    Fair chance the snowflakes were factory as many of the later signums seemed to get flakes fitted.

    Anything irmscher will not be factory fitted though as they were dealer fit options meaning they are modifications

    Honesty is the best policy and most won't charge any extra for these two minor mods

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    Thank you john.robertson2,

    Il call and tell them and see what they say. I did mention the wheels when i called a few days ago just not the grill. Has been on my mind so needed another point of view. thanks again

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    Regular Member lofty's Avatar
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    Quote Originally Posted by Darknight86 View Post
    Thank you john.robertson2,

    Il call and tell them and see what they say. I did mention the wheels when i called a few days ago just not the grill. Has been on my mind so needed another point of view. thanks again
    what did they say about the wheels?

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    I told him that it has 19inch vauxhall alloys that i believe come as standard. He didnt think it would count as a mod' and didnt make a big deal of it. I should get my confirmation through any time now, see if it lists them.

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    Regular Member insignia28's Avatar
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    Modifications are anything can improve performance or add significant value to the car, ie upgrade alloys, remap etc. The likes of privacy glass or colour coding is not classed as modifications

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    Regular Member Ziggy's Avatar
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    Quote Originally Posted by insignia28 View Post
    Modifications are anything can improve performance or add significant value to the car, ie upgrade alloys, remap etc. The likes of privacy glass or colour coding is not classed as modifications
    They are on my policy. Any change at all from factory spec is a modification. I have never been charged for a modification (infact the opposite), but they have asked me to list every change no matter how small.

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    The clubs approved Insurance trader wouldn't cover me because I had Signum fog surrounds, they would if I didnt have them fitted but with I was told to get on my bike.

    Anything that isnt standard is a mod, if you fitted a 1.8 into a 2.0t thats classed as an engine mod and your insurance would go up accordingly.

    Sent from my Sony Ericsson Xperia using Tapatalk

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    what about adding vectra-c.com stickers? is that a mod?

    I know of people who have declared stickers in the past just not to invalidate any claims!
    Last edited by peelmeister; 24th January 2012 at 15:08.

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    Regular Member DAVIDD88's Avatar
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    I told my insurance when I went from 17 inch to 19 inch vxr wheels and they said if there original wheels they can't prove it never came out the factory with them so just put a note on my file

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