#358697 - 17/10/11 11:47 AM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: JJST]
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Registered: 19/02/11
Posts: 335
Loc: Northumberland, England
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Greenlight - Awaiting quote Adrian Flux - £780.00 (but he didn't add the named drivers, I think because he knows he's not getting a sale today) Aviva - £684.00 Bell - £756.23 Quote:
Get your quotes through the likes of Greenlight and Adrian Flux when you have mods. You will get some 'ok' non-specialist insurers like Elephant charging a fair price per mod, but some of the main stream insurers run a mile as soon as you talk about modifications and quote silly money.
A K&N, flexi, even full exhaust system shouldn't cost 'that' much to insure.
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Mods: K&N, Milltek flexy, blue side stripes & mud flaps, rear tints, & a few styling mods
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#358698 - 17/10/11 04:29 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: smiiithy]
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Registered: 19/02/11
Posts: 335
Loc: Northumberland, England
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Apparently I fall out of Greenlight's acceptance criteria for the following reason: "Unspecified".
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Mods: K&N, Milltek flexy, blue side stripes & mud flaps, rear tints, & a few styling mods
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#358700 - 17/10/11 05:21 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: gary4vicky]
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Registered: 19/02/11
Posts: 335
Loc: Northumberland, England
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Can't think what else, but I'm 23 with 4 years?
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Mods: K&N, Milltek flexy, blue side stripes & mud flaps, rear tints, & a few styling mods
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#358703 - 17/10/11 11:58 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: Burn4]
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Dirtiest Car 2013 + 2014
Registered: 21/07/10
Posts: 6012
Loc: Northants
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Quote:
Quote:
My Fez isn't even insure :/ Do you think I should?
HAHAHA 
Do you really reckon you'd get away with a flexi? What else would you get away with? 60mm TB?
Sorry but i have to bring this up. NO INSURANCE. REALLY?
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#358706 - 18/10/11 03:24 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: Scotty]
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Registered: 19/02/11
Posts: 335
Loc: Northumberland, England
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I was thinking about what Scotty said in more depth today. Aviva's website classes a modification to be "any alteration to a vehicle that was not part of the standard manufacturer’s specification, or that was not fitted as an option when the vehicle was manufactured". So that means tinted windows and side stripes wouldn't need to be declared if they were purchased as an optional extra? They are some of the most expensive mods! Quote:
Here you go:
Aviva policy document: http://www.aviva.co.uk/library/pdfs/multi-vehicle/NMDMG10249.pdf
Changes we need to know about
The principal policyholder must tell us immediately if there are any changes to the information set out in the application and/or Information Provided By You document, or in your schedule, or any other changes in circumstances which might affect this insurance, for example:
1. a change to the people insured, or to be insured.
2. motoring convictions for any of the people insured, or to be insured.
3. a change of vehicle.
4. any vehicle modifications.
5. a change in the way that any vehicle is used.
If you are in any doubt, please contact 0844 891 1101.
When you inform us of a change, we will tell you if this affects this insurance, for example whether we are able to accept the change and if so, whether the change will result in revised terms and/or premium being applied to this policy. If the principal policyholder does not inform us about a change it may affect any claim you make.
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Mods: K&N, Milltek flexy, blue side stripes & mud flaps, rear tints, & a few styling mods
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#358709 - 19/10/11 12:23 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: ChrisCumbria]
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 Site Supporter
Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
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Some companies require you to tell them all optional extras, if you have alloys from new as an extra some require you to tell them
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 407BHP and 340lbft TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold
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#358711 - 17/11/11 12:09 PM
Re: Do you declare your performance enhancing mods on your car insurance?
[Re: Burn4]
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Registered: 19/02/11
Posts: 335
Loc: Northumberland, England
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Definately. I have just ran another insurance quote with Aviva and it's coming out at £583 with all mods declared (uprated headlights, stripes, tinted windows) plus the K&N which I will be fitting at renewal. Those 4 mods make £0 difference to the quote. Was £684 this time last month. Can't wait for renewal time! Cutting my milage would only save me £20 for 2,000 miles so I will be stating exactly what I've done over the past 12 months. Quote:
Well just been messing around with loads of different quotes and while I'm not being 100% accurate (slightly lower mileage than I will probably do) I will soon be declaring everything (even did one to see how much to declare mountune 165 would be) and it's only about £80 more than If I didn't declare so it's a no brainer really!
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Mods: K&N, Milltek flexy, blue side stripes & mud flaps, rear tints, & a few styling mods
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