Yeah Rob - I think that sums it up pretty well. Anyone not taking note of that would be pretty silly to not declare all mods. If you don't want to tell the insurance company don't put the mods on.
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insurance for modified leon
- Thread starter dainott2105
- Start date
right ive spoken to the insurance (Privilege) and it would have been £120 more a year for the 19's, but privilege wont insure anyone under the age of 25 on a modified car, so the missus had 2 come off the policy, gutted 
lol. But, fair play they didnt charge me for the wheels as i had paid £100 to put her on the policy. Just a word of warning for anyone under 25 thinking about modding their car, make sure that ur current insurance will cover you (Joanna Lumley dont like it at all, hehe). Cheers for the replies lads and ladies.
lol. But, fair play they didnt charge me for the wheels as i had paid £100 to put her on the policy. Just a word of warning for anyone under 25 thinking about modding their car, make sure that ur current insurance will cover you (Joanna Lumley dont like it at all, hehe). Cheers for the replies lads and ladies.
Bell are really good for me. They list all the mods on there website so you can see how much extra it will be by doing a dummy quote
i am planning on afew mods to mine and went hunting for ins cc's as mine is up for renewal in few weeks.... found a company called 'ecarinsurance.co.uk', which was recommended by a few friends of mine when i had the modded mazda mx6 v6. Turned out they were cheaper with my mods on than my previous insurer with out! and the excess was over £150 less! Cover looks good and the customer service when i checked them out on the phone was excellent.
Best bit is when declaring your mods for a quote they list loads online, and some like exhausts etc are in stages relating to power increase. Well worth a look.
www.ecarinsurance.co.uk
....And yes i would declare everything cos i know someone who lost £5000 when thier insurance refused to pay up when they found his performance exhaust and induction kit. Now thats alot of money to lose legally!!!
Best bit is when declaring your mods for a quote they list loads online, and some like exhausts etc are in stages relating to power increase. Well worth a look.
www.ecarinsurance.co.uk
....And yes i would declare everything cos i know someone who lost £5000 when thier insurance refused to pay up when they found his performance exhaust and induction kit. Now thats alot of money to lose legally!!!
SCN group buy?
3rd biggest doesn't mean cheapest I'm afraid!
I get a discount off all insurance (house, motor, travel, public liability, commercial etc etc) but they aren't all that cheap I'm afraid.
i've got a ibiza and am having to take my exhaust off :-( as insurance dont like te idea of it! its gonna cost £300 odd to cancel so im off to the garage on monday!
to the guy that works for the insurance company, my mate seems to think that if he had an accident and the insurance company checked his car he would remove his lowering springs and put standard back on. surely he cant do this?
to the guy that works for the insurance company, my mate seems to think that if he had an accident and the insurance company checked his car he would remove his lowering springs and put standard back on. surely he cant do this?
Thats a great idea unless of course one of the following happens.
A, your car is impounded by the police for some reason ( sometimes happens)
B, You are unable to do the change round due to injury
C, you are unable to do the change round due to the extent of the damage.
I'm sure insurance companies are aware of this and have thier ways. When my car was involved in a accident the insurance company had it taken to a approved repairer straight from the accident and then within a day it had been assessed either directly by a assesser or via video link as they sometimes do now....
the question is are you willing to take the risk? Don't forget my mate you lost £5k, and yes he did appeal and lost due to non disclosure.
A, your car is impounded by the police for some reason ( sometimes happens)
B, You are unable to do the change round due to injury
C, you are unable to do the change round due to the extent of the damage.
I'm sure insurance companies are aware of this and have thier ways. When my car was involved in a accident the insurance company had it taken to a approved repairer straight from the accident and then within a day it had been assessed either directly by a assesser or via video link as they sometimes do now....
the question is are you willing to take the risk? Don't forget my mate you lost £5k, and yes he did appeal and lost due to non disclosure.
yep his gain or pain! Glad to see that you're not taking the risk. It's really not worth the hassle!
Picking my Cupra TDI up on wednesday, the dealer is having front and back windows tinted for me, rang my insurance company and was told there would be no extra charge for the tints all round which is ideal!!
i know its all a bit of a grey area (no pun intended) but i thought front window tints were seen as illegal??
also, does a green panel filter count as something to declare to the insurance cos it doesnt improve performanceand you'd never know it was there from the outside??
also, does a green panel filter count as something to declare to the insurance cos it doesnt improve performanceand you'd never know it was there from the outside??
call your insureres and ask how much your premium would go up if you bought alloy wheels............ if its a good price then tell them, if its not then put your wheels on next policy re-newal.
As Romeoisgraham says, try and get mods onto the car when you renew insurance. Is the best time to get the quotes and you stay legal.
just a couple of points:
there are many more mods on your car than just the alloys... (unless these have been added since this thread was started as its a few months old).
If the car got nicked, technically they can refuse to pay out on the entire car, not just bits not declared as some mods make the car more attractive to thieves.
Also do not think that because you have declared the alloys they are covered. You will probably find they are not. That is to say, if they get nicked they will pay out for oem replacements, or the value of.
This is because most insurance companies do not offer like for like to mods. The extra premium is mearly to cover them as the car is now more likely to be stolen due to the alloys, or there is simply more chance of the alloys being stolen and therefore cost to the insurer to put on standard alloys...
(i think the fact you have modded the car also increases your risk as a driver bit)...
there are many more mods on your car than just the alloys... (unless these have been added since this thread was started as its a few months old).
If the car got nicked, technically they can refuse to pay out on the entire car, not just bits not declared as some mods make the car more attractive to thieves.
Also do not think that because you have declared the alloys they are covered. You will probably find they are not. That is to say, if they get nicked they will pay out for oem replacements, or the value of.
This is because most insurance companies do not offer like for like to mods. The extra premium is mearly to cover them as the car is now more likely to be stolen due to the alloys, or there is simply more chance of the alloys being stolen and therefore cost to the insurer to put on standard alloys...
(i think the fact you have modded the car also increases your risk as a driver bit)...
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caveo
Guest
I dont mean to hijack your thread but has anyone gone big turbo and what difference did it make to the insurance??????
i dont think so either. i mean they ave your reg number so you have declared it anyway. and besides, there is no value in nicking it unlike alloys or the like.
strugers1
Guest
adrian flux!! if you not got insurance and these dont charge for mods that do not increase power so all mods free except remaps etc
Ive declared my mods to insurance company,the premium went up for remap and roll bars,both of which adjust performance of car,such things as dump valves are not really modifications,its just a more reliable part replacing a less one,does exactly same job,just the same as changing tyre brand,came with pirelli from factory,how many buy them second time round,most people buy another brand,which technically could be classed as modifcation cos it didnt come from factory with that brand on but of course it isnt because as long as it matches or betters specifciation of the original its fine.
When i had an accident insurance assessor turned up looked at car,said umm thats a bit of a mess,checked chassis number,reg number and walked away,didnt look at engine,suspension nothing.I had declared mods to this cos it was really modified by a lot but he still didnt bother to check car over.
I would declare mods though just for piece of mind!.
When i had an accident insurance assessor turned up looked at car,said umm thats a bit of a mess,checked chassis number,reg number and walked away,didnt look at engine,suspension nothing.I had declared mods to this cos it was really modified by a lot but he still didnt bother to check car over.
I would declare mods though just for piece of mind!.
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