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What Counts As Modifications?


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#1 SteveThePirate

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Posted 18 February 2010 - 05:20 PM

Ive recently put neons my fiesta and then purchased a cone style air filter.

I phoned the insurance company who told me i cant put my filter in til im 21 :angry: , at the time i forgot to mention the neons. :blink:

so do neons count as a modification that affects insurance? , since ive read alot they're only bothered by modifications that affect performance(like the air filter) or ones that greatly affect the value (alloys)

And if they dont count what else could i get away with before the insurance becomes invalid ?

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#2 Gazjs

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Posted 18 February 2010 - 05:36 PM

I think pretty much any Mod affects insurance.

For example, if you had a Fiesta Style and replaced the Style badge with an ST badge this would invalidate your insurance as it is more attractive to thieves.

In conclusion anything that changes the car from standard is a Mod and therefore should need the insurance to be told.

Happy to be corrected though :lol:

#3 cyb

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Posted 18 February 2010 - 06:46 PM

I think pretty much any Mod affects insurance.

Happy to be corrected though :lol:


I think that is pretty much a spot on answer – if you’re not sure and are worried about the neon’s ask your insurance company, but I would be very surprised if the say there not classified as a modification. :unsure:
It can get even sillier than that, take alloy wheels for instance, your insurance company will class them as a modification and charge you extra for the insurance, but don’t assume that covers thief or damage to the wheels oh no! get them nicked’ and some insurance companies will say sorry we don’t cover them just the cost of replacement standard wheel (if you’re lucky). :(

#4 DaveG

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Posted 18 February 2010 - 07:11 PM

Anything that is non standard fit (as per the car's spec) is normally deemed a modification, making the car more attractive runs the risk of some idiot pinching it.

My old insurance company had a policy of classsing "everything" non standard as a mod and made a charge, my new company on the other hand does'nt charge but does still need to be informed and providing the work is carried out by a professional their happy and I won't be charged any more.

e.g if i wanted to replace my steel wheels with alloys, providing i got them fitted by a tyre company and let them know I would'nt be charged, which to me makes sense.

As well as the "more desirable" aspect i do think there is an element of safety/increased risk involved, e.g replacing 15inch rims with 18inch alloys or lowering the springs etc is going to effect the car's original handling.

#5 SteveThePirate

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Posted 24 February 2010 - 08:18 PM

Cheers for the heads up guys.
So im guessing this means my cd player is a mod as well then?
If so i guess ive got invalid insurance , hurry for me since that should mean i can mod all i like

#6 calmcdermott

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Posted 24 February 2010 - 09:09 PM

Yep everyone is right, I work for privilege insurance on sales and anything that is not standard including opt extras are classed as a mod :D

#7 SteveThePirate

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Posted 25 February 2010 - 09:57 AM

So just to confirm before I add all sorts to the car, since we havent declared the cd player the insurance is invalid meaning if i crash they wont cover me?
Or will they just make it harder for them to pay up?

#8 vinnyvangough

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Posted 25 February 2010 - 12:13 PM

What you have to remember, is the insurance company are 100% happy to take your money.
BUT
They also employ people to prevent them having to pay out.
SO
You are driving along the road and god prevent, but you get hit by another driver. Your car ends up on its side/roof in the ditch etc etc.
Car gets recovered, and the insurance asseser comes around and starts looking at your car. He/she then notices that there are some undercar neons/door handle neons etc etc on the car.
He/she then informs your insurance company, to which 2 things can then happen.....

1/ You get a phone call/letter saying.... "We regret to inform you but due to the undeclared modifications we are unable to pay out the 6500 for your 2002 Ford Fiesta LX"

OR

2/ You get a phone call/letter saying..... "We are pleased to enclose a cheque for 6500 to cover your loss of a 2002 Ford Fiesta LX WITH declared modifications."

I know which call/letter i would rather have.

#9 SteveThePirate

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Posted 25 February 2010 - 04:53 PM

I tried to declare a k&n air filter but they say no modifications til im 21, so i took it out and forgot to ask about neons (since its not performance affecting)
But the cd player isn't declared either since we never thought it needed to be, so what I want to know is will the insurance company just let a cd player slide or not. since if they will let it slide i'll remove my neons just in case.

#10 vinnyvangough

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Posted 25 February 2010 - 05:25 PM

Ring them up and ask them about there modification policies etc All the stuff you can add that they do not need to know about and waht they do

#11 SteveThePirate

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Posted 27 February 2010 - 01:25 PM

Phoned them. Have to fill in a form they're sending for the cd player but the neons have to be removed until i've been driving for a year :(
Thanks for the help guys (:

#12 CAR PARTS EXPRESS

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Posted 27 February 2010 - 01:31 PM

better to be safe than sorry ;)

#13 vinnyvangough

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Posted 27 February 2010 - 05:12 PM

At least you know that you are 100% legal buddy

#14 Gazjs

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Posted 27 February 2010 - 07:03 PM

Best to have everything by the books.
What company are you with out of interest?

#15 Michael P

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Posted 04 March 2010 - 06:00 PM

I'm with Quinn and i can do pretty much everything over the internet. So when i thinking about whether my new alloys would affect the insurance, i went on "my profile" and went through the steps of declaring a modification.

The closest i could get to was "Wheel Alteration" and i click this, fearing i'll be charged silly money, and it was free!

ALWAYS best to be legal with the insurance. I know that with my car, i would only get around 700 for it if it were written off, but that is much better than getting 0.00 and being stung for insurance in the future :)

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