insurance & mods

[izonoky]

was wondering if folks experienced a significant change in insurance premiums after a main mod, like a remap or something simple, like a spoiler mod.

[Gsi3.2]

when i told them it was VX approved parts fitted, they have just bumped my premium by a few pounds, or just made a note of it on the policy...For real 'no quibble' you need to insure with Adrian Flux..they will accept any mods within reason

[parapaul]

Yeah, AF are excellent. They basically don't care unless its a performance enhancing mod, I've told them every mod I've made, they just reply to my emails and say 'thanks for letting us know'.

Strangely though, for a bodykit, they have a standard 10% load on your premium....

[stevethomasson]

Has anyone had to call on AF when they've been in an accident? I always think that's when you find out how good an insurance company are!

Thanks,

Steve

[Ian T]

Has anyone had to call on AF when they've been in an accident? I always think that's when you find out how good an insurance company are!

Caterman found out how good AF were last year, when he had a little 'mishap' in his vectra.

Got great service iirc

[stevethomasson]

Cool, I'll wait and see what my renewal is like from Vx insurance.

[Cerealuk]

thats a point actually, when insuring a car and they ask "has anything been added/modified" does this include the xenon light upgrade which was factory fitted as new ? If the car was written off would they take this into account when paying out if i havent mentioned it.

[john_k_sri]

As far as I know anything that's factory fitted is OK. Modified surely equals changed since coming into your possession........Am I right?

[john_k_sri]

Had a good deal from AF. The BSR Stage1 remap effectively upped my previous quote from them by about £40. Compare that with over £200 with Prudential (who use Churchill). And as for Tesco their renewal was £80 more than last year before the remap. If only I hadn't got those 6 points last year

[parapaul]

As far as I know anything that's factory fitted is OK. Modified surely equals changed since coming into your possession........Am I right?

Yes. If you ever had to claim, they can check from the VIN number what factory fitted options the car had.