stan53
Guest
Are there any fairly straight forward mods that can be done and that don't need decalring to insurance or that affect insurance?
LCR 03
LCR 03
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Not really as any change to a standard listed is a modification and would change your policy.
But i have always thought if you were able to convince them that certain parts have been replacement aftermarket parts for broken items you might be able to get away with it.
But i have always thought if you were able to convince them that certain parts have been replacement aftermarket parts for broken items you might be able to get away with it.
yup, like a non performance enhancing exhaust system or a replacement long life filter that never needs to be replaced at services!
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Sooty torques
Oooh, careful love.......
Sticky-wicket this... One company I tried before my Leon days (N-reg ZX Volcane) wouldn't insure me due to the "modifications" I'd added...
which were:
Tow bar...
and a high-level brake light!!!
which were:
Tow bar...
and a high-level brake light!!!
Sky Insurance don't bump up the premium for mods, they just want to know about them (www.skyinsurance.co.uk). But as others have said - a modification is a modification, to the insurance company will want to know about it...
Exhausts will affect the insurance, unless it is a standard replacement part. If the style of it changes or the sound changes, it's a mod and needs to be declared.
There are things you can do though....
Fabia rear wiper
Honda aerial
De-badge
SC.net sticker
Black S badge on front grill
That sort of thing is ok and doesn't need to be declared
There are things you can do though....
Fabia rear wiper
Honda aerial
De-badge
SC.net sticker
Black S badge on front grill
That sort of thing is ok and doesn't need to be declared
EIP OEM colour shortshifter (silver) is completely unmarked. Impossible to tell apart from the original without dismantling and checking for the VAG logo
yup, like a non performance enhancing exhaust system, such as mine!
or a replacement filter that never needs to be replaced at services!
just like the one i have!
used to work in insurance!
I hope, for your sake, you never crash. If your insurance company take a look at your Blueflame sports cat and turbo back exhaust system, not to mention your induction kit, they will void your policy.
As you used to work in insurance, you'll know all about utmost good faith and how that is the critical part of accepting a risk. You'll also know that knowingly defrauding your insurance company (lying to save money) is not acting in utmost good faith and is grounds for voiding any claim you make (or at the very best, imposing a higher premium and special conditions on your policy) and, if voided, adding you to the CUE database.
A panel filter and a stainless version of the stock exhaust is one thing.
A full turbo back system with a sports cat and an enlarged diameter downpipe, along with an induction kit that replaces the standard air box, are all performance modifications.
But hey, at least you didn't post on an internet forum to admit you have defrauded your insurance company... especially in light of the recent cases of insurance companies voiding peoples policies because of what they have read on the internet forums their insured visits. Now that would be stupid......
I've got to admit rob M has a point i know a guy on demon vw who's car got spotted at inters a couple of weekends back by someone linked to his insurance company took at photo and canceled his policy as what he has insured was not what he had
As said rob, the parts on my car have been told to my insurance company and they are aware they are on, but since you've now made me para i will be edditing a certain post!
Sooty torques
Oooh, careful love.......
As RikH says, some companies class wipers, simple cosmetic add-ons, stickers and de-badging as increased risk - makes the car look more attractive to thieves is their attitude...
Oh yeah, same goes for adding badges from performance cars - i.e. sticking Cupra R badges onto a 1.6 Leon...
Oh yeah, same goes for adding badges from performance cars - i.e. sticking Cupra R badges onto a 1.6 Leon...
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fek all !
they will use any excuse to get out of paying so probably best to declare
decent insurance companies wont charge for cosmetics
they will use any excuse to get out of paying so probably best to declare
decent insurance companies wont charge for cosmetics
I'll have to remember that, good little write up!
Although I do personally know of someone who moddified his car, declared everything except his performance panel filter (he didn't know it was there as the car was already partially modded when he bought it), had a crash and insurance wouldn't pay out. He managed to get a full refund because he paid for a service he didn't receive.
I've heard of people getting shafted by insurance companies before when they have had those stupid football fan stickers in their cars, not told insurance companies and then when their car has been damaged/ broken in to the insurance company have claimed it was down to apposing football fans jealousy or hatred.
LCR splitter is often classed as a body kit add on... I know of one case where it cost a mate far more than the splitter was worth!
My brother works for a major insurancer's bodyshop. If they get a car in that is clearly modified, new wheels, exhaust etc, and they are not declared then the assessors will do the repairs but then cancel the insurance after.
Makes getting new insurance difficult as you can't say "no" to the "have you every been declined or had insurance cancelled".
Makes getting new insurance difficult as you can't say "no" to the "have you every been declined or had insurance cancelled".
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