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Declaring Insurance Mods


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#16 FOCA

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Posted 03 August 2014 - 03:22 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:

Agreed - its all getting a bit silly

 

If you dont just consider your car as simply a  method of getting from a to b and you care enough  about your car to personalize it  you are more liable to take pride in your car/ look after if and take more of an interest in your driving skill - why be penalised?



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#17 Ianb

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Posted 03 August 2014 - 08:36 AM

Agreed - its all getting a bit silly

 

If you dont just consider your car as simply a  method of getting from a to b and you care enough  about your car to personalize it  you are more liable to take pride in your car/ look after if and take more of an interest in your driving skill - why be penalised?

 

Agree but simple answer is £££ They know that you WANT to do it, so you'll pay for the ability to do it..

 

Plus the other thing is, if you spend £2,000 on a £5000 car, you'd like £7000 back if it gets written off.. But still, it's stupid.



#18 madmole

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Posted 03 August 2014 - 11:23 AM

 

Agree but simple answer is £££ They know that you WANT to do it, so you'll pay for the ability to do it..

 

Plus the other thing is, if you spend £2,000 on a £5000 car, you'd like £7000 back if it gets written off.. But still, it's stupid.

 

They'd still only offer you £2.50 if its written off. Its all a con, you have to have it, but they have no intension of actually paying out if they can help it. Next it will be your air frshener isnt standard, or that extra fly on the windscreen invalidates the agreement



#19 Ianb

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Posted 03 August 2014 - 11:29 AM

 

They'd still only offer you £2.50 if its written off. Its all a con, you have to have it, but they have no intension of actually paying out if they can help it. Next it will be your air frshener isnt standard, or that extra fly on the windscreen invalidates the agreement

 

Well yeh that's true, but I suppose if you get a sound system that's worth a fair bit of money and it gets pinched then you'll get the money back...well with depreciation :lol:



#20 SandyCat

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Posted 03 August 2014 - 05:20 PM

Some insurers will use any excuse to avoid payment, others are more lenient.  The thing is you don't want to give them that excuse in the first place.

My advice is forget comparison websites.  They are only looking for straight cases where they can pigeon hole you.     They cannot always cater for the unusual as they have to simplify their webpages.

So spend some time talking to human beings at companies that specialise with modifications.   It might be a pain but at least you will know it's been done properly.  



#21 Ianb

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Posted 03 August 2014 - 07:05 PM

Some insurers will use any excuse to avoid payment, others are more lenient.  The thing is you don't want to give them that excuse in the first place.

My advice is forget comparison websites.  They are only looking for straight cases where they can pigeon hole you.     They cannot always cater for the unusual as they have to simplify their webpages.

So spend some time talking to human beings at companies that specialise with modifications.   It might be a pain but at least you will know it's been done properly.  

 

I tend to go straight to the source, but I use comparison sites as a starting point in order to find out who is going to be sensible about the matter and who is likely to give me a quote of £10,000 (which 1 company actually did!!!!)

 

EDIT: That's 10k for my 1.6 tdci estate with 9 years ncb, no points or endorsements and I added (purely for interest only) that my focus had had an engine management tune for a 10-20% bhp improvement...



#22 SandyCat

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Posted 03 August 2014 - 07:37 PM

When you see a quote of £10,000 it's not really a quote but a way of saying no thank you.



#23 jeebowhite

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Posted 04 August 2014 - 04:30 PM

Adrian Flux are happy for you to do minor modifications (such as paint) with no prejudice. People like AF appreciate that owners who take pride in their car and modify it, care enough about it to take more care of it, and trust you to be self aware and sensible about what you do and how you treat your car.

 

I installed EGR blanking, reverse sensors and camera, LED lights and asked about painting the wheels. They were happy to just make a note of it and not worry about the details, with no charge at all for letting them know. The only one that would affect my premium is adding a tuning box, as this would improve the performance. For the pleasure, I was offered a £250 increase in premium if I wanted to proceed.



#24 tomo91

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Posted 04 August 2014 - 04:44 PM

Adrian Flux are happy for you to do minor modifications (such as paint) with no prejudice. People like AF appreciate that owners who take pride in their car and modify it, care enough about it to take more care of it, and trust you to be self aware and sensible about what you do and how you treat your car.
 
I installed EGR blanking, reverse sensors and camera, LED lights and asked about painting the wheels. They were happy to just make a note of it and not worry about the details, with no charge at all for letting them know. The only one that would affect my premium is adding a tuning box, as this would improve the performance. For the pleasure, I was offered a £250 increase in premium if I wanted to proceed.


How did you let them know? Just give them a ring or did you e-mail them? I'm planning in doing a couple more mods to mine that's all lol


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#25 Hyrule

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Posted 04 August 2014 - 05:09 PM

Ever since I started my modifications back in May last year, I always wrote to my insurer with a list of mods, then followed it up a couple days later with phone call. At least there is a paper trail on my file of mods I've done, and a recording should there ever be any issue. Always send your letters signed for recorded.

 

My insurers are fine with you modifying at no extra cost. Anything however that affects performance or BHP, then you need to discuss with them.

 

Just fired this one off to my insurers today for example. Some mods I haven't done yet, but at least they saves me doing them one at a time:

 

 

Dear Sir/Madam

 

Please find enclosed a list of updated modifications to my vehicle. None of the modifications affect the performance or BHP of

the vehicle, and are purely for safety/cosmetic purposes:

 

  • Front & Rear facing dash cameras
  • LED Strips in driver and passenger footwells
  • Front Brake Calipers painted Red
  • Rear Brake Drums painted Black
  • Genuine Ford S emblem badges on Front & Rear of vehicle
  • Rubber Floor Mats
  • Genuine Ford Mudflaps
  • Exterior plastic trims painted gloss black

 

Yours sincerely

Blah blah blah



#26 SeanW

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Posted 04 August 2014 - 06:25 PM

Ah yeah, thanks for reminding me - want a set of mud flaps!!

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#27 Hyrule

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Posted 04 August 2014 - 06:29 PM

Ah yeah, thanks for reminding me - want a set of mud flaps!!

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Hehe no probs.



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