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#1 marcm11

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Posted 31 January 2014 - 10:00 AM

This may sound like a very stupid question but would spraying your alloys class as a modification?

I have always thought 'If you change it from when it came out of the factory its a modification'


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#2 Hyrule

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Posted 31 January 2014 - 10:36 AM

Better to be safe than sorry. No matter how small the change to your car, just fire off a letter to your insurers via recorded/signed for delivery, so they can update your policy. Insurers will wrangle their way out of a claim via any means necessary, so don't give them any ammunition. Below is an example of the the letter I fire off after I do a bunch of mods, so as to avoid an admin fee per mod.

 

Policy No: XXXXX

Dear Sir/Madam

 

I am writing to inform you of the following modifications I have made to my vehicle. None of these modifications affect the performance of the car of the car, nevertheless I am declaring them as per the terms and conditions of my policy agreement.

 

List your mods.

 

Yours sincerely

 

Your insurer may want to discuss the modification over the phone as well, after receiving your letter.



#3 luke.grimbley

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Posted 03 February 2014 - 12:51 AM

Ben, do they tend to knock the price up? 

 

Your not wrong about them getting out anyway they can and playing it safe is always best. I am about to be swapping to the zetec s grill's, would you reccon this is worth declaring or safe enough?



#4 paul_focus

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Posted 03 February 2014 - 12:56 AM

I would probs best declare it iv declared all my mods to date and no nasty price rises yet

#5 Hyrule

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Posted 03 February 2014 - 06:58 PM

Last bunch of mods I declared, policy went up by a grand total of £24. I'm with Esure.

Here's what I declared:




Reverse Parking Sensors




Additional Reverse Light
Rear Windows Privacy Tints
Genuine Ford Focus MK3 Boot Badge
Genuine Ford Mist Type Windscreen Washer Jets
Genuine Ford LHD Reverse Light Housing
Wind Deflectors
Aluminium Pedal Covers
Additional Boot Light
Chrome Fuel Cap Cover
Illuminating Ignition Ring
Custom AC/Heater Controls
E-Marked LED Bulbs for Front & Rear Courtesy/Map lights
E-Marked LED Bulbs for Glove box & Boot lights


					
					

#6 marcm11

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Posted 24 February 2014 - 11:12 PM

For
Black alloys
Led number plate lights/side lights/interior lights
Richbrook aerial
Aluminum footrest
Wind deflectors

£9.17 so glad I did it.

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#7 UKDan85

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Posted 28 February 2014 - 08:13 AM

For
Black alloys
Led number plate lights/side lights/interior lights
Richbrook aerial
Aluminum footrest
Wind deflectors

£9.17 so glad I did it.

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Alreet mate, so your insurance went up a tenna just for them few things? I better check mine then haha.

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#8 marcm11

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Posted 28 February 2014 - 08:41 AM

Yeah.... its nothing really but would rather be safe than sorry. Couldn't think of anything worse than having a crash and my insurance telling me they would not pay out. The only thing they said was if the car was crashed then they would replace my car with a standard one.

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#9 UKDan85

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Posted 28 February 2014 - 09:13 AM

Yeah I know what you mean mate, I had a polo before the fiesta and I never thought about telling the the insurance about led bulbs and wind deflectors... Oops lol


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#10 Hyrule

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Posted 28 February 2014 - 12:54 PM

For
Black alloys
Led number plate lights/side lights/interior lights
Richbrook aerial
Aluminum footrest
Wind deflectors

£9.17 so glad I did it.

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See not so bad, peace of mind knowing everything is declared and cheaper than a cinema ticket  :D

 

Who is your insurer if you don't mind me asking.



#11 marcm11

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Posted 28 February 2014 - 01:35 PM

Elephant there very good actually better than the co-op I used to be with who said point blank no modifications.

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#12 paul_focus

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Posted 28 February 2014 - 02:41 PM

Any one kno any good insurance groups that would insure me on a st170 thank you


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#13 marcm11

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Posted 28 February 2014 - 06:12 PM

Ring elephant.... it was a lot cheaper on the phone than Internet for me

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#14 paul_focus

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Posted 28 February 2014 - 06:39 PM

Thanks mate but I think I'm going to stay with my 1.8 focus the st170 is two much insurance at the moment £6400 a year is the cheapest quote iv had


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