ICE and insurance

[Poverty]

Do I have to tell them about my ICE incase my car gets stolen/broken into or will keeping the receipts be enough?

Im insured with directline and they say Ive got cover on car entertainment worth up to £1000.

 

[Icecavern]

That will be £1000 of standard equipment probably if you read the T&C's. Insurance doesn't usually cover any aftermarket kit at all.

 

[Poverty]

That will be £1000 of standard equipment probably if you read the T&C's. Insurance doesn't usually cover any aftermarket kit at all.

So if I have an accident and they feel like being nasty they could invalidate my insurance?

Directline dont allow mods, will my new aftermaket audio equipment be counted as a mod?

 

[Icecavern]

Who knows. Technically yes they could count it as an undeclared mod.

 

[Poverty]

So with your car you tell your insurance about your aftermarket equipment? Do they charge extra?

 

[lard44]

Some do, some don't. Some insurers expect you to have mods and are pretty easy going - I'm with Noel Dazely and my remap didn't really make any odds. They thought I'd have more to 'declare'.

I was with Direct Line when I put alloys on my old car - then found out they just won't touch you if you're under 25 with mods. But I flogged them on fleabay and made a profit.

It's up to you. Yes you should tell them.

 

[RichieRich]

i told tesco's that i had a aftermarket system and it was insured upto 1k... free with fully comp... apparently

 

[truCido]

i had a £500 sub nicked and my amp from my boot and I didnt tell my insurance i had it and i claimed the only conditions were that it was "securely fitted" i.e. bolted to the car...guess i was quite lucky

 

[Poverty]

think I might phone my insurance company tomorrow from a payphone to see what their stance is on the whole thing!

 

[RichieRich]

hey poverty why a pay phone? lol

 

[RichieRich]

i told my insurance about my "apparently" added extra strut brace they wanted £15 extra for 2 months!! damn... at least its insured lol (for once) handles like a beauty now

 

[Poverty]

hey poverty why a pay phone? lol

incase they say no to my system upgrade and want to cancel my insurance, then I can just hang up and they wont be able to trace me

 

[RichieRich]

i would just ask them for a quote (even if u say your policy number they can contact you with that info anyway) sayin was it you who rang up to say this etc... just ask for info about this matter asking if its allowed so on before mensioning you have a policy with them...

 

[Guinness]

aint told insurance about strut brace either omg this is scaring me lol

 

[RichieRich]

lol yeah some insurance company wont allow them unless your over 25! thats why i said it was a added extra not me fitting it (on a 07 plate i can get away with this...lol) i would tell me course if are in a frontal accident then both side suspension arms will get nackard due to them being connected....and whatever else is connected to them..