inform insurance?

**ADAM123** · 15th January 2009, 22:50

just fitted my leather interior. do i need to inform my insurance company? will it increase my insurance premium. if so by how much?...thanks

**ade0303** · 15th January 2009, 22:54

Originally Posted by ADAM123

just fitted my leather interior. do i need to inform my insurance company? will it increase my insurance premium. if so by how much?...thanks

I would say you need to inform them as it affects the value of your car, shouldn't make any real difference to the premium, others round here have done it so no doubt they'll tell you

**Robbie69** · 15th January 2009, 22:55

hadn't even thought about it mate. I'll see what the respmses are too.

**poves** · 15th January 2009, 23:02

mmmmm - No insurance company as ever asked me have I got leather seats or not when I purchase cover , but maybe they just presume that if your's is for example a 1.8 it will have cloth , if it's a gsi it wil have half leathers and so on .
It would be a very good get out clause for them not to pay up in the event of a claim though mate , need to think about I reckons .

**jamievectra** · 15th January 2009, 23:06

no harm in ringing and asking your said insurance company - i'd hardly say its going to send it sky rocketing.

**Fruit'n'nut** · 15th January 2009, 23:06

Originally Posted by poves

mmmmm - No insurance company as ever asked me have I got leather seats or not when I purchase cover

No, but they ask a question like "Is your car modified from standard specification?"

**ditchp** · 15th January 2009, 23:34

deffo inform them of everything you have done then at least you know that they can't get out of a claim

**poves** · 15th January 2009, 23:36

Originally Posted by Fruit'n'nut

No, but they ask a question like "Is your car modified from standard specification?"

Ye that's wat I meant , if nothing is declared , they will just presume it's standard .

**Stevel** · 15th January 2009, 23:46

After the smash last year the first two questions they asked me when I phoned to make a claim were:

1. Has the car been modified?
2. Have you been given any penalty points since you took out the policy?
.
The car was subsequently inspected at the garage by their assessor.

**ADAM123** · 16th January 2009, 13:28

just phoned my insurance company (lloyds). leathers didn't add any additional costs to my policy. at least they know now :
thought i'd declare my alloys too and had to pay an additional £129. and increased my excess to £750!! because i'm under 25.