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Declaring Insurance Mods


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#1 tomo91

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Posted 22 June 2014 - 01:41 PM

Hi all, coming up for an insurance renewal in the coming weeks and just wandering what you lot do when declaring the mods for insurance? It's just a pain having to put them all down in comparison sites and none of the ones I have done e.g. scuff plates, painted calipers, wind deflectors, powdercoated alloys etc are able for selection or would it best to just put down no mods then just write them a letter after the insurance has started declaring them? Just wandering what you lot do. Cheers!


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#2 GrahamJC

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Posted 22 June 2014 - 02:09 PM

A pain it may be but I think the advice of most would be to declare them all before the inception of your insurance.

#3 jeebowhite

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Posted 22 June 2014 - 05:01 PM

Declare them all out on the comparison site the closest to what you have so interior accessories for scuff plates and then discuss this with the insurer you want to go with to give them the full list

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#4 DAN@ADRIAN FLUX

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Posted 22 June 2014 - 09:02 PM

Hi,

If you need any help with modified car insurance renewal then please feel free to drop me a line. If you wanted to PM me your details I'd be happy to arrange for one of my quotes team to give you a call back.

Regards,

Dan.



#5 Hyrule

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Posted 25 June 2014 - 11:19 AM

I did mine last month, comparison sites are fairly limited in the modifications you can choose and as you have found don't always match what you have done. Tick as many of the modification boxes as possible. Get a quote then, phone up the insurer.

 

I sent a full A4 page to my insurers of the mods I had done along with proof of NCB etc.

Any time I make modifications I call up the insurer to declare it, and then follow it up with a letter. I try to do 2-3 mods at one go so as to not keep phoning up for each individual mod.



#6 jeebowhite

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Posted 25 June 2014 - 12:00 PM

I took out the policy with Adrian Flux when I bought the car, before I did anything I declared sensors and camera as a reference that I will install them later, they added them on, I also contacted them recently and told them about the EGR, DRL and LED updates to the bulbs in advance, no cost difference at all. Only if I wanted to modify the engine with remap or tuning box would I have to pay, and that would be a premium increase of £130



#7 Swiftfocus69

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Posted 25 June 2014 - 01:35 PM

Just came to renewal time for mine and the women at Swinton asked do you have any modifications to your car and i said do you class factory options as modifications as mine comes with rear parking sensors and tinted rear windows.

She said if it left the factory with those and was registered with them ,then they are not modifications only if you add some extra yourself.



#8 jeebowhite

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Posted 25 June 2014 - 02:30 PM

yeah, you have to be careful, if it left the factory with it, its fine, however, if the factory dispatch your car without either of these, Ford realise they stuffed it up and the dealer fits it for you, then its a modification!



#9 Swiftfocus69

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Posted 25 June 2014 - 03:30 PM

Jeebowhite.

how would you know this ??,If its on ETIS then it wouldn`t be classed as a modification am i right ?

Both of mine are mentioned on ETIS.



#10 jeebowhite

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Posted 25 June 2014 - 07:11 PM

its not so much whats on ETIS but on the national computer. If Ford screw up and dispatch the car to you without these and the dealer fits it to recover from it, the spec has already been sent in to the national computer, so its then an addition.

 

Its something that other members of this forum have been tripped up on sadly, one had his policy cancelled for this exact reason.



#11 tomo91

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Posted 25 June 2014 - 11:03 PM

Yeah ended up going with Adrian Flux, declared all my mods and got a pretty decent quote! One company I rang up and told them all of my mods (none performance upgrades) and got refused!


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#12 jeebowhite

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Posted 26 June 2014 - 10:00 AM

More often than not they do refuse, AF and its underwriters are good because they look as mods as respect for your car, whereas everyone else immediately pictures you in a hoody with baseball batts drinking cider on the street corner...j



#13 madmole

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Posted 31 July 2014 - 09:57 PM

Just be careful if you need to cancel an Adrian flux policy. 14 days into a renewed policy my last car died and was sold. They charged me £125 to cancel!


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#14 Ianb

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Posted 01 August 2014 - 10:57 AM

Yeah ended up going with Adrian Flux, declared all my mods and got a pretty decent quote! One company I rang up and told them all of my mods (none performance upgrades) and got refused!


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That's exactly the reason why it's a bad idea to go with a company and THEN declare mods... they can cancel on you and all of a sudden you have to declare that to any other companies!



#15 turbohater

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Posted 03 August 2014 - 12:18 AM

Can someone tell me how scuff plates and painting brake calipers are classed as modifications.OK I understand adding performance parts etc affecting the insurance but not the above.Before long you will not be allowed to polish your car as a nice well kept car is more attractive for a thief.When i picked my new car up it wasnt as shiny as it is now,is this classed as a non factory mod. :lol:



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