Steer Posted January 17, 2019 Share Posted January 17, 2019 So I'm looking to start modding my focus a bit but I'm scared in regards to insurance ie voiding it etc what's the best company to go with in regards to modifications etc and what company do people use if they have heavily modded them? Thanks Quote Link to comment Share on other sites More sharing options...
TimST2 Posted January 17, 2019 Share Posted January 17, 2019 Some mainstream insurers like Admiral will allow declared mods (you might pay a higher premium though) but they won't cover the cost of them in the event of a claim (unless they are factory fitted options). If you're increasing the value of your car significantly you may want to use a specialist that will. I'll defer to others who do for recommendations (my ST is totally stock). Modding and not declaring will of course void your insurance. Sent from my SM-G900F using Tapatalk Quote Link to comment Share on other sites More sharing options...
williamweb Posted January 17, 2019 Share Posted January 17, 2019 Give LV a try. Quote Link to comment Share on other sites More sharing options...
StephenFord Posted January 17, 2019 Share Posted January 17, 2019 I have a Celica GT4 which is fitted with a full body kit, 18" wheels, and a few engine mods. Elephant didn't charge me a penny extra when I declared them all, though being an old f**t may have aided in the decision as I'm far too old to be a boy racer - honest! LOL 1 Quote Link to comment Share on other sites More sharing options...
Guest Posted January 17, 2019 Share Posted January 17, 2019 I have yet to do any mods but was getting a rough idea on insurance prices for a remap and exhaust, LV came out as the cheapest usually. I declared that my car had parking sensors and said I had a dashcam to get a rough idea. The dashcam made a huge difference to the end quote making it not much more than I am paying unmodified. Most places wanted 150 more for the same mods. I contacted Adrian Flux to get an idea but they were quoting much more than LV. Quote Link to comment Share on other sites More sharing options...
Steer Posted January 17, 2019 Author Share Posted January 17, 2019 OK so lv is the one to look at thanks guys I'm a little older so might go in my faver as well lol Quote Link to comment Share on other sites More sharing options...
Guest Posted January 17, 2019 Share Posted January 17, 2019 33 minutes ago, Steer said: OK so lv is the one to look at thanks guys I'm a little older so might go in my faver as well lol The dashcam made a major difference to my quotes. I'm not sure what the requirements are for image quality or if you need to use a certain brand or have it professionally installed though. Quote Link to comment Share on other sites More sharing options...
Steer Posted January 18, 2019 Author Share Posted January 18, 2019 I've always thought about a dash cam but concerned I will be storing evidence lol Quote Link to comment Share on other sites More sharing options...
Eric Bloodaxe Posted January 18, 2019 Share Posted January 18, 2019 On 1/17/2019 at 7:40 AM, TimST2 said: Some mainstream insurers like Admiral will allow declared mods (you might pay a higher premium though) but they won't cover the cost of them in the event of a claim (unless they are factory fitted options). If you're increasing the value of your car significantly you may want to use a specialist that will. I'll defer to others who do for recommendations (my ST is totally stock). Modding and not declaring will of course void your insurance. Sent from my SM-G900F using Tapatalk But be careful with Admiral as I understand they're the only insurer to ask if you've attended a speed awareness course, as well as the usual stuff. If they ask you must of course be honest. If you've never been naughty, no worries😁 1 Quote Link to comment Share on other sites More sharing options...
CrazyInWeston Posted January 19, 2019 Share Posted January 19, 2019 In nregards to the dashcam, your insurer may ask for evidence that you do in fact, have a dashcam (otherwise everyone would just say yes) So you'd need to use that very dashcam to show your cars registration plate, so take it out of the car, show the car, and its registration and submit the video (if they ask for proof) Quote Link to comment Share on other sites More sharing options...
TimST2 Posted January 19, 2019 Share Posted January 19, 2019 But be careful with Admiral as I understand they're the only insurer to ask if you've attended a speed awareness course, as well as the usual stuff. If they ask you must of course be honest. If you've never been naughty, no worries[emoji16] Is that an issue? They can ask what they want and if their quote is high you go somewhere else. I'm with Admiral (we have 2 of our cars on a multicar policy) and I don't recall being asked about that (not that it would have made any difference). Sent from my SM-G900F using Tapatalk Quote Link to comment Share on other sites More sharing options...
Eric Bloodaxe Posted January 19, 2019 Share Posted January 19, 2019 2 hours ago, TimST2 said: Is that an issue? They can ask what they want and if their quote is high you go somewhere else. I'm with Admiral (we have 2 of our cars on a multicar policy) and I don't recall being asked about that (not that it would have made any difference). Sent from my SM-G900F using Tapatalk Just a tip that was passed on by the (ex-police) instructors when I did attend such a course a while back. One lady was with Admiral and had indeed been asked the question and of course answered yes. Maybe they don't always ask, but the point the instructors were making is that because of data sharing between insurers, if you had disclosed it to Admiral you would effectively have disclosed it to all. 1 Quote Link to comment Share on other sites More sharing options...
DAN@ADRIAN FLUX Posted January 21, 2019 Share Posted January 21, 2019 On 1/17/2019 at 7:14 PM, Michlaustn said: I have yet to do any mods but was getting a rough idea on insurance prices for a remap and exhaust, LV came out as the cheapest usually. I declared that my car had parking sensors and said I had a dashcam to get a rough idea. The dashcam made a huge difference to the end quote making it not much more than I am paying unmodified. Most places wanted 150 more for the same mods. I contacted Adrian Flux to get an idea but they were quoting much more than LV. Sorry we couldn't help out with your insurance but thanks for giving us a try. Regards, Dan. Quote Link to comment Share on other sites More sharing options...
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