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Thread: Insurance Quotes question

  1. #1
    Ex RO - East Region soulman's Avatar
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    Default Insurance Quotes question

    My insurance is due next month ,Ive a question for those declaring mods .Are you thinking that by declaring them that you will get a higher value for a total writeoff.than a normal car ????
    Waiting to see your answers before i go on .

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    Regular Member SRimonkey's Avatar
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    i wrote my corsa off a few yrs back with all my mods declared an they wouldn`t pay out on them,but i threatened to go down there and strip all my mods off that car and leave em with just a shell........10 mins later they phoned me back and said i could have my car back and they`d give me 1500 quid towards the repairs

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    Full Member Penfold101's Avatar
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    I think each company is different as to whether they insure the mods or just the car with the mods, if you see what i mean...

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    Regular Member Big Knox's Avatar
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    I think most insurance companies won't cover the mods unless its someone like Adrian Flux or Chris Knott. I'm with AF, and for an extra £10 you can send in 6 photos and get an agreed value for the car.

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    Regular Member SRimonkey's Avatar
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    mine was with af.....well they got the insurance,can`t remember the actual company they got it with tho....they gave up askin about mods after a while cos i sent em in about 4 a4 pages full of mods.....make ya pay extra to have the stuff on ya car but wouldn`t cough up in the end....wasn`t good cos i was payin about 220 a month @ the time

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    Well seems like everyones trying to wiggle out of anything they can these days..

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    Regular Member m8internet's Avatar
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    Mods aren't worth heehaw to an insurance company
    Equally, it doesn't enhance value by much either

    What concerns the insurance company is the increased risk
    Either from the cars increased theft interest or increased risk of accident from changes to handling and stability
    Ironically, you can increase the braking efficiency with larger / improved pads / discs, but an insurance will typically weigh that as an increase chance of having an accident (vehicles behind unable to brake in the shorter stopping distance)

    I do remember one investigation where the covered car had uprated brakes and calculated the stopping distance had been reduced by near on 60 feet
    However, that vehicle was struck from behind by a vehicle that could not stop as the insured had left the stopping until the last moment
    Ironically had the insured driver braked lightly or at least flashed their brake lights as an intention to stop, then there would most likely not have been an accident
    The insured driver was subsequently prosecuted for Dangerous Driving (reduced in court to Carelss Driving). the policy did not pay out for the insured driver but it did pay out to the third party

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