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Thread: inform insurance?

  1. #1
    Regular Member ADAM123's Avatar
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    Default inform insurance?

    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

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    Regular Member ade0303's Avatar
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    Quote Originally Posted by ADAM123 View Post
    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

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    Regular Member Robbie69's Avatar
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    hadn't even thought about it mate. I'll see what the respmses are too.

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    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 .

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

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    Regular Member Fruit'n'nut's Avatar
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    Quote Originally Posted by poves View Post
    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?"

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    Regular Member ditchp's Avatar
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    deffo inform them of everything you have done then at least you know that they can't get out of a claim
    Midlands Mod Shop - NFFC.

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    Regular Member poves's Avatar
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    Quote Originally Posted by Fruit'n'nut View Post
    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 .

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    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.

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    Regular Member ADAM123's Avatar
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    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.

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