Would just like to know how many people have and haven't declared lowering springs on there cars as I am just about to get some fitted and am unsure if to tell insurance or not. Cheers
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Declare lowering springs, yes? No? Help!
- Thread starter Rawibizafr
- Start date
Yes you should declare modifications to your insurance, especially if they increase performance or change any characteristics of your vehicle from the manufacturers original specification especially as if you don't and you have an accident your insurance will be void and hence you will be driving without insurance. Sometimes it may cost a little more on the insurance but from experience i have found it has lowered mine slighty. I tell my insurers everything including stickers just to play it safe
millns84
Guest
Your choice entirely, be prepared to have your policy cancelled if you try to make a claim though.
TBH, some insurers charge next to nothing with some mods so it's always worth doing.
TBH, some insurers charge next to nothing with some mods so it's always worth doing.
funkster
Guest
Yes let them know, in my experience a set of springs won't put your premium up much at all. In fact on my old car coilovers didn't put my policy up, the only mod that did was a remap.
gouldy88
Guest
Yeah definitely declare them. As stated most companies won't charge much extra, some just charge an admin fee to change the details.
What springs you getting?
What springs you getting?
funkster
Guest
Why wouldnt you?
Have you declared all the stuff in your sig because if you have it wont put your premium up much if at all.
Its not worth it, a fatal RTC can be an expensive game and your insurance co will look for an excuse to avoid paying out, undeclared mods will allow them to do that. Scare mongering maybe but for the sake of a minimal increase its not worth hoping nothing will ever happen. Get a clued up traffic plod who calls your insurance co to check your mods and if there's undeclared stuff and your insurance is invalid your car can be seized.
+1. Believe me if the worst ever happened and you had a crash you would regret it, saving a few pence now could cost you your car if you had a crash.
Get a quote "just say i put lowering springs on my car how much would it cost mr insurer sir" ?
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somersetspider
Guest
Keanu
Guest
I rang mine today, to see if i could declare them, they asked me if they were fitted and i said no, im looking to get it done (already had it done) they put me on hold for about 15minutes then told me that they wouldnt insure me with them fitted- so offered me a different insurer for £900 more hahah! so I certainly wont declare mine, also - they look exactly the same as the standard, other than size you cant tell them apart.
Just watch it now though, they would have definitely taken a note of that. Im sure Sure there's no reason to worry but cant be too careful
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Tbh when I was younger and first into the modifying car world I didn't declare my mods because I didn't know it would be an issue by not doing so
As I got more into it / grew older I realised that as the above said if you didn't and a clued up traffic officer stops you / questions you then checks with your insurance if they're declared or not you'd be right in the s**t
As it happened when I was in my Celica which didn't have a standard part on it pretty much I did get stopped and questioned about it, thankfully I had declared everything with a specialist insurer and the premium wasn't too bad so I was covered anyway
As mentioned, you'd be driving without insurance which is 6 points instantly I believe and a hefty fine
You'd then have a mark against your name and it will then cost you more for not declaring mods when you have to fill in on insurance forms if you have any points on your license / what for
If you're with a specialist insurer it won't cost much anyway to declare then so you may as well suck it up, phone them, find out how much then either don't fit them until your policy is up or pay the extra there and then if only for peace of mind
As I got more into it / grew older I realised that as the above said if you didn't and a clued up traffic officer stops you / questions you then checks with your insurance if they're declared or not you'd be right in the s**t
As it happened when I was in my Celica which didn't have a standard part on it pretty much I did get stopped and questioned about it, thankfully I had declared everything with a specialist insurer and the premium wasn't too bad so I was covered anyway
As mentioned, you'd be driving without insurance which is 6 points instantly I believe and a hefty fine
You'd then have a mark against your name and it will then cost you more for not declaring mods when you have to fill in on insurance forms if you have any points on your license / what for
If you're with a specialist insurer it won't cost much anyway to declare then so you may as well suck it up, phone them, find out how much then either don't fit them until your policy is up or pay the extra there and then if only for peace of mind
Never a good idea to admit to this on a public forum, also if you have an accident you wont stop worrying and if they dont pay you'll regret it. Best to check with insurers before fitting next time.
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funkster
Guest
An insurance company vehicle examiner will be able to spot them.
Roll the dice and take the risk...
Keanu
Guest
I know it's not the right thing to do., and I'm contemplating changing them back, it doesn't look low to be fair. It is worrying me though ha
millns84
Guest
Get on to Adrian Flux, you'll get a decent quote off them.
If you're not happy with them, you could just take them off and save yourself the hassle.
If you're not happy with them, you could just take them off and save yourself the hassle.
Keanu
Guest
Im more than happy with how the springs are, but unless you had the car and seen the before and after, you wouldnt notice if you got me? its how the car should look.
Got till october on my insurance, so 6 months!
taking them off is easy enough i suppose, put them back on in 6months haha!
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