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Thread: Insurance Time Again

  1. #1
    Regular Member Ben H's Avatar
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    Default Insurance Time Again

    A grey area I've not been sure on regards our SRI is it came out of the factory with Irmscher front & rear spoilers fitted as it was a demonstartor at the begining of it's life.
    Therefore the question is has the car been modified or is this standard as it was supplied from the factory like this?
    I feel it has been but to be honest last year didn't declare it. What do you reckon?

    I'd put money on the old couple who did 3000 miles in two years of owning it before me were none the wiser.

  2. #2
    Regular Member BigDeek's Avatar
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    In good faith you can say you the car is standard, why give'em more money than you have too?

  3. #3
    Ex Vec-C Admin Stevel's Avatar
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    Default

    The Irmscher spoilers are not standard on the SRi so the car has been modified.

    At the end of the day it's your choice but personally I wouldn't give your insurer a get out if something was to happen.

    Is it much of a difference in price? I declared upgraded wheels and a VXR Spoiler and by shopping around payed £64 less than last year.
    Last edited by Stevel; 17th June 2007 at 19:54.

  4. #4
    Regular Member MAF 3.2 V6 GSi's Avatar
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    if you made a claim and they come to see the car then they could make a fuss and not pay . i d tell them should nt be much more .

  5. #5
    Regular Member Gsi3.2's Avatar
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    yep, come clean Ben..specialist insurance schemes like adrian flux will give you a very competative quote

  6. #6
    Regular Member m8internet's Avatar
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    I was looking at the front lower spolier for my SRi
    The insurance company I am with (Groupama) advised there was no difference in premium, as it does not affect the performance and is an alternative fitting to the lower bumper guard

    However, a week later my front bumper was smashed up by a fox!
    The bodyshop advised me against the front lower spoiler as it is rather fragile and each replacement would be £250
    I was looking to agree a swap on paying the difference, but decided against it

  7. #7
    Regular Member Vec-6289's Avatar
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    A friend of mine was asking about modifications on his insurance. They told him that if it wasn't performance enhancing then he didn't need to declare it as modified. Best bet is to rinf your insurance and ask them what their policy is. You don't need to say you've had it done, just thinking about it...

  8. #8
    Regular Member BigP's Avatar
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    I doubt that those parts will affect your premium anyway. When I fitted Irmscher grill and front spoiler, just phoned insurance and they said fine no extra charge!
    If you don't declare it and the worst was to happen, the insurance would only pay to put it back to standard, leaving the rest to you.
    HTH

  9. #9
    Regular Member david.aka.judas's Avatar
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    dont forget to go to www.moneysupermarket.com for your insurance - saved me a fortune.

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