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Old 04-01-2018, 01:45   #1
Jackcoatsey
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Declaring Modifications

So Iím looking to purchase the seat Ibiza FR 1.4 tsi ACT this month as a step up from my first car (mk2 fiat punto) I know itís gonna be a pretty big jump from a 60bhp to a 140bhp car so for the first few month I wonít be doing anything apart from getting used to the car, however after that I want to start modifying my car. However Iím only 18 and insurance is bad enough my age without adding modifications, so does everyone here declare their mods or not? And whatís the risk of me not declaring and getting caught?


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Old 04-01-2018, 01:49   #2
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Iíd always use common sense in these scenarios. I have aesthetically modified my Cupra. I have declared them as it only cost me £80 so I went with it.

If youíre doing engine modifications I would recommend declaring them for obvious reasons (you crash, they inspect, notice undeclared modification/s, donít pay out, could also get done for driving without insurance). Not to mention checking with your dealer regarding warranty.

However, stuff like window tints, wind deflectors, vinyl stickers etc you should technically declare them but I personally wouldnít bother as its negligible.


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Old 04-01-2018, 01:54   #3
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The risk is very simple. All insurance companies are looking for reasons not to pay out in the event of a claim. Regardless of any anecdotal 'evidence' from anyone else, if you make a claim and your insurer inspects your car and discovers any undeclared modifications they will invalidate your cover and not pay out.
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Old 04-01-2018, 03:07   #4
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Originally Posted by j.owen View Post
Iíd always use common sense in these scenarios. I have aesthetically modified my Cupra. I have declared them as it only cost me £80 so I went with it.

If youíre doing engine modifications I would recommend declaring them for obvious reasons (you crash, they inspect, notice undeclared modification/s, donít pay out, could also get done for driving without insurance). Not to mention checking with your dealer regarding warranty.

However, stuff like window tints, wind deflectors, vinyl stickers etc you should technically declare them but I personally wouldnít bother as its negligible.


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You only pay £80 more? Well Iím that case Iíd deffo declare was just expecting to be paying a lot tbh


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Old 04-01-2018, 03:12   #5
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The risk is very simple. All insurance companies are looking for reasons not to pay out in the event of a claim. Regardless of any anecdotal 'evidence' from anyone else, if you make a claim and your insurer inspects your car and discovers any undeclared modifications they will invalidate your cover and not pay out.


Yeah mate just heard of some stupid mates who donít declare, but if itís not too much more to declare itís definitely worth it because insurers love being in your pocket especially at my age, cheers man


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Old 04-01-2018, 13:30   #6
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Quote:
Originally Posted by Jackcoatsey View Post
So Iím looking to purchase the seat Ibiza FR 1.4 tsi ACT this month as a step up from my first car (mk2 fiat punto) I know itís gonna be a pretty big jump from a 60bhp to a 140bhp car so for the first few month I wonít be doing anything apart from getting used to the car, however after that I want to start modifying my car. However Iím only 18 and insurance is bad enough my age without adding modifications, so does everyone here declare their mods or not? And whatís the risk of me not declaring and getting caught?


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Old 04-01-2018, 15:30   #7
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You only pay £80 more? Well Iím that case Iíd deffo declare was just expecting to be paying a lot tbh


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Yeah thatís for splitter, side skirts and spoiler, only 21 at the time too


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Old 05-01-2018, 16:25   #8
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Hi,
If you take a chance and non disclose modifications your policy could be null void in the event of a claim. Whilst you might not be bothered about your property you would in theory be liable for any third party claim which could be absolutely anything!
Younger drivers are in the spot light as it without risking having a policy voided.
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Old 05-01-2018, 17:42   #9
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Get your policy voided and there's bob all chance of being able to get a new one.

If you're going to modify then declare the mods, if you can't afford then just save up till you can.
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Old 09-01-2018, 18:32   #10
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Have you already bought one mate or have you seen one that you fancy?


Seen one I fancy and Iíve been looking far and wide for cars over the past couple of months, but the Ibiza packs the most power for money and insurance coverage, and in my opinion looks much smarter than the VW polo blueGT, got a quoits without a box at 18 with only a Years no claim bonus for £1300 which is nothing compared to what Iíve been quoted on other cars


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Old 09-01-2018, 18:35   #11
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Hi,

If you take a chance and non disclose modifications your policy could be null void in the event of a claim. Whilst you might not be bothered about your property you would in theory be liable for any third party claim which could be absolutely anything!

Younger drivers are in the spot light as it without risking having a policy voided.

Regards,

Dan.


Thanks Dan was just seeing if it was worth the extra money and by the sounds of it Iím deffo just gonna pay the extra bit


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Old 09-01-2018, 20:42   #12
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You should always declare your mods (Body and Drive Train) because as many have said when you have an accident they will be looking for a good reason to not pay out. I also this you are actually driving withouth insurance as you have broken the conditions.

What you need to also do is speak with your insurance company and see how much they charge a) for the mod and b) for making a change. Some insurance companies allow you to update for free others charge you. It relevant if you are making many changes as it can add up after some time.

Its also worth saving and looking around for modified car insurance (Adrian Flux were the best for me) so you get all the work done when you are re-newing the policy and you can then get all the mods done in one go.

I am with ESURE at the moment (and they charge for each change) and they did not like me going stage two with all the engine/drivechange bush changes as the computer did not like to many changes. They were very happy with Spoiler, Side Skirts, Stage One Map but Stage 2 changes were to much for them.
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Old 09-01-2018, 22:14   #13
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Originally Posted by Jackcoatsey View Post
Thanks Dan was just seeing if it was worth the extra money and by the sounds of it Iím deffo just gonna pay the extra bit


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Hi,
If you do need any help with insurance then please feel free to drop me a line.
Regards,
Dan.
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Old 09-01-2018, 22:49   #14
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You should always declare your mods (Body and Drive Train) because as many have said when you have an accident they will be looking for a good reason to not pay out. I also this you are actually driving withouth insurance as you have broken the conditions.

What you need to also do is speak with your insurance company and see how much they charge a) for the mod and b) for making a change. Some insurance companies allow you to update for free others charge you. It relevant if you are making many changes as it can add up after some time.

Its also worth saving and looking around for modified car insurance (Adrian Flux were the best for me) so you get all the work done when you are re-newing the policy and you can then get all the mods done in one go.

I am with ESURE at the moment (and they charge for each change) and they did not like me going stage two with all the engine/drivechange bush changes as the computer did not like to many changes. They were very happy with Spoiler, Side Skirts, Stage One Map but Stage 2 changes were to much for them.


Yeah thank you mate, not sure how they are with young drivers I havenít looked at all just been on the comparing sites but Iíll have a look into it


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Old 09-01-2018, 22:51   #15
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Hi,

If you do need any help with insurance then please feel free to drop me a line.

Regards,

Dan.


Thank you, what is Adrian flux like with young drivers? And do they beat most companies on comparison sites?
Jack


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Old 11-01-2018, 22:28   #16
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Hi,
Just to let you know that a number of specialist modified schemes aren't available on-line only in the call centre.
Regards,
Dan.
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