marcm11 Posted January 31, 2014 Share Posted January 31, 2014 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' Sent from my SM-N9005 using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
Hyrule Posted January 31, 2014 Share Posted January 31, 2014 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. 1 Quote Link to comment Share on other sites More sharing options...
luke.grimbley Posted February 3, 2014 Share Posted February 3, 2014 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? Quote Link to comment Share on other sites More sharing options...
paul_focus Posted February 3, 2014 Share Posted February 3, 2014 I would probs best declare it iv declared all my mods to date and no nasty price rises yet Quote Link to comment Share on other sites More sharing options...
Hyrule Posted February 3, 2014 Share Posted February 3, 2014 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 LightRear Windows Privacy TintsGenuine Ford Focus MK3 Boot badgeGenuine Ford Mist Type Windscreen Washer JetsGenuine Ford LHD Reverse Light HousingWind DeflectorsAluminium Pedal CoversAdditional Boot LightChrome Fuel Cap CoverIlluminating Ignition RingCustom AC/Heater ControlsE-Marked LED Bulbs for Front & Rear Courtesy/Map lightsE-Marked LED Bulbs for Glove box & Boot lights Quote Link to comment Share on other sites More sharing options...
marcm11 Posted February 24, 2014 Author Share Posted February 24, 2014 For Black alloys Led number plate lights/side lights/interior lights Richbrook aerial Aluminum footrest Wind deflectors £9.17 so glad I did it. Sent from my SM-N9005 using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
UKDan85 Posted February 28, 2014 Share Posted February 28, 2014 For Black alloys Led number plate lights/side lights/interior lights Richbrook aerial Aluminum footrest Wind deflectors £9.17 so glad I did it. Sent from my SM-N9005 using Ford OC mobile app Alreet mate, so your insurance went up a tenna just for them few things? I better check mine then haha. Sent from my Sony SP using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
marcm11 Posted February 28, 2014 Author Share Posted February 28, 2014 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. Sent from my SM-N9005 using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
UKDan85 Posted February 28, 2014 Share Posted February 28, 2014 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 Sent from my Sony SP using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
Hyrule Posted February 28, 2014 Share Posted February 28, 2014 For Black alloys Led number plate lights/side lights/interior lights Richbrook aerial Aluminum footrest Wind deflectors £9.17 so glad I did it. Sent from my SM-N9005 using Ford OC mobile app 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. 1 Quote Link to comment Share on other sites More sharing options...
marcm11 Posted February 28, 2014 Author Share Posted February 28, 2014 Elephant there very good actually better than the co-op I used to be with who said point blank no modifications. Sent from my SM-N9005 using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
paul_focus Posted February 28, 2014 Share Posted February 28, 2014 Any one kno any good insurance groups that would insure me on a st170 thank you Sent from my iPhone using Ford OC Quote Link to comment Share on other sites More sharing options...
marcm11 Posted February 28, 2014 Author Share Posted February 28, 2014 Ring elephant.... it was a lot cheaper on the phone than Internet for me Sent from my SM-N9005 using Ford OC mobile app Quote Link to comment Share on other sites More sharing options...
paul_focus Posted February 28, 2014 Share Posted February 28, 2014 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 Sent from my iPhone using Ford OC Quote Link to comment Share on other sites More sharing options...
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