Interior Modifications Skyrocket Insurance

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On 10/9/2020 at 8:07 PM, lillianna3 said:

they said they would not be able to insure me as the interior was modified. Cant find anywhere that can give me definitive answer on whether this could be bought from the factory as new or it has been modified. Any help at all is massively appreciated. 

d. Any help at all is massively appreciated. 

I suggest you start your own topic and upload pictures

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As I previously said, the definition of modifications are any aftermarket items fitted to the vehicle that would change or enhance its performance, cosmetic items do not fit that criteria. I insure with the NFU, have done for almost 50 years and that is their definition of modifications, any aftermarket items that enhances or changes the performance, that is written in the policy schedule.

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@lillianna3 is another of those 'clever' bots that just copies parts of earlier posts to dig up old threads... 


We're not all with NFU (isn't that restricted to farmers anyway?), most insurers do class cosmetic changes as mods.  Here's the part from my policy docs...


You must also update MyAccount if you intend to alter or modify your Car/s from the manufacturer’s standard specification.

This includes, but is not limited to:

• Changes to the bodywork, such as spoilers or body kits

• Changes to suspension or brakes

• Cosmetic changes such as alloy wheels

• Anything affecting performance such as changes to the engine management system or exhaust system

• Changes to the audio/entertainment system.

This isn’t a full list of all possible changes. You must tell us about any alteration you intend to make to your Car/s – both Primary Policyholders and Vehicle Policyholders are responsible for this. Failure to notify us of a modification may result in your Policy being cancelled from the start date, additional premium being applied or your claim being rejected or not paid in full. This Policy doesn’t cover any non-standard parts (modifications). If you make a claim for loss or damage to your Car/s, your Insurer will only pay the cost of replacing parts needed for your Car/s to meet the manufacturer’s standard specification.


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