ab20000 Posted June 13, 2008 Share Posted June 13, 2008 This may be a stupid question but here goes - do I need to declare all mods for my car to my insurance company? I'm specifically talking about minor cosmetic items - lip spoiler, skirts etc. Thanks, Quote Link to comment Share on other sites More sharing options...
Digsy Posted June 13, 2008 Share Posted June 13, 2008 Yes. Otherwise should you wish to make a claim the assessor will mention them and the insurance company will say that you failed to disclose modifications which may have effected their decision to provide you with a policy and try to avoid paying out. Could be a very expensive mistake. Quote Link to comment Share on other sites More sharing options...
Guest prescience Posted June 13, 2008 Share Posted June 13, 2008 This may be a stupid question but here goes - do I need to declare all mods for my car to my insurance company? I'm specifically talking about minor cosmetic items - lip spoiler, skirts etc. Thanks, Those mods are unlikely to make a difference to the premium. On the reverse side, don't give them a route to shaft you Quote Link to comment Share on other sites More sharing options...
RobD7 Posted June 14, 2008 Share Posted June 14, 2008 +1 to both comments Quote Link to comment Share on other sites More sharing options...
marzman Posted June 14, 2008 Share Posted June 14, 2008 depends on your age and who you're insured with though. Direct line dont let you have any modifications if you're under 25... i phoned up once trying o imsure my black BMW, and mentioned it had tinted windows - then they said they couldnt insure me. So i hung up and phoned back a few hours later - and neglected to mention anything else... Quote Link to comment Share on other sites More sharing options...
ab20000 Posted June 14, 2008 Author Share Posted June 14, 2008 Apparently they want £37 which although isn't loads of money it's still a bit of a joke in my opinion - then again they wanted £71 each for a new exhaust and induction kit so it didn't suprise me - decided against those for now. Quote Link to comment Share on other sites More sharing options...
ersen.o Posted June 14, 2008 Share Posted June 14, 2008 its usually 10% of your policy price for each mod, well thas wot it was wen i enqired a few yrs bak Quote Link to comment Share on other sites More sharing options...
Digsy Posted June 15, 2008 Share Posted June 15, 2008 Moved Quote Link to comment Share on other sites More sharing options...
Trev-the-Rev Posted June 16, 2008 Share Posted June 16, 2008 its usually 10% of your policy price for each mod, well thas wot it was wen i enqired a few yrs bak My insurance company want an extra £100 on top of my premium for my Nismo rear spoiler I've had a few quotes and they still come out at the cheapest so far. Anyone got any suggestions as to who I could try? Quote Link to comment Share on other sites More sharing options...
H5 Posted June 17, 2008 Share Posted June 17, 2008 I have recently changed some bits and they wanted a whole £17 for it. Quote Link to comment Share on other sites More sharing options...
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