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Insurance- Modifications


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#1 james132

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Posted 18 January 2012 - 08:55 PM

Hi Everyone

Im looking at doing a few things to the focus next month, and want to know what is/isnt covered and what I will need to declair, also how much extra they are likley to charge me.

Im looking at fitting STstyle alloy wheels (18") with the eibach pro lowering kit (springs only).

I will also be looking at fitting an st boot spoiler.

Could someone possibly let me know how this may effect my insurance.

Many thanks in advance.

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#2 Preee

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Posted 18 January 2012 - 09:01 PM

I would imagine anything that changes the look or handling of the car would be best to run past insurance company.

In the case of an accident finding something not declared might encourage them to not pay out

#3 james132

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Posted 18 January 2012 - 09:05 PM

I would imagine anything that changes the look or handling of the car would be best to run past insurance company.

In the case of an accident finding something not declared might encourage them to not pay out


Sorry didnt word the last part perticually well.

I realise that having any modifications un-declared will void your insurance.

More looking to find out if/how much extra it is likley to cost me. I would phone my insurance company but im abroard at the moment working so it will cost a fortune.

#4 TDCiST

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Posted 18 January 2012 - 09:05 PM

Declare it all...

Insurance companies will find any reason possible not to pay out!

On my last car i declared everything, even down to the ST170 Headlights, Foglights and Front Grille! This way if i was in an accident, not only would it all be replaced with these items, but they couldnt argue that i hadn't declared anything.

You may get away with the spoiler, but its better to be safe than sorry. My premiums didnt rise at all adding everything. Until i added the Tuning Box!

#5 james132

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Posted 18 January 2012 - 09:08 PM

Ok, thanks for the reply. I will be on the phone to them next month when I get back to the UK

My insurance premium is already sky high as it is having a 2.0 at 19. Just didnt want it to get stupid if I added the modifications.

#6 Lenny

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Posted 18 January 2012 - 09:12 PM

Ok, thanks for the reply. I will be on the phone to them next month when I get back to the UK

My insurance premium is already sky high as it is having a 2.0 at 19. Just didnt want it to get stupid if I added the modifications.


the ST rear spoiler will effect your fuel economey too mate just a tad but i noticed it when i fitted mine lol
keeps the rear down at speed but causes a little drag.

#7 Preee

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Posted 18 January 2012 - 09:13 PM

I have never been in a situation where they have added a price after a Mod , My DRL's were classed as a safety device and no cost was added , they did ask if they were professionally fitted though but it did not make any difference to the price.

#8 TDCiST

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Posted 18 January 2012 - 09:13 PM

double post

#9 TDCiST

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Posted 18 January 2012 - 09:15 PM

the thing that may add to the cost is the eibachs, and the wheels... the spoiler probably wont add anything.

the ST rear spoiler will effect your fuel economey too mate just a tad but i noticed it when i fitted mine lol
keeps the rear down at speed but causes a little drag.


a little MPG is nothing compared to rear end grip.. ;) lol!

#10 Preee

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Posted 18 January 2012 - 09:16 PM

your reverse lights will be classed as a safety device as ships will be able to be guided home with them :)

#11 james132

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Posted 18 January 2012 - 09:21 PM

I think if NASA was still in operation me and lenny could use our cars as landing strips seen from outerspace!

Perhaps I should have been parked off the coast of Italy.... Sorry, had to be said after the ship comment :ph34r:

#12 Lenny

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Posted 18 January 2012 - 09:26 PM

looks like my phone bill will cost me as much as my insurance by the time in finished if i have to report every detail lol would be easier to take the manager of the insurance company for a drive in it.

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#13 TDCiST

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Posted 18 January 2012 - 09:27 PM

Perhaps I should have been parked off the coast of Italy.... Sorry, had to be said after the ship comment :ph34r:


HAHAHAH!!

#14 Lenny

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Posted 18 January 2012 - 09:43 PM

I think if NASA was still in operation me and lenny could use our cars as landing strips seen from outerspace!

Perhaps I should have been parked off the coast of Italy.... Sorry, had to be said after the ship comment :ph34r:


Could have done with you their mate lol i was parked in the wrong direction wasnt much room to perform a 3 point turn on the beach,

#15 james132

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Posted 18 January 2012 - 09:46 PM

Could have done with you their mate lol i was parked in the wrong direction wasnt much room to perform a 3 point turn on the beach,

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Poor effort lenny!

Mind you, Id he hadnt of changed course you would have been in the perfect place for him to see you!

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