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Discussion Starter · #1 ·
Interested in what mods are mostly declared by you lot, cause to be honest I feel only performance related mods should be cause an increase.
 

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Everything.

Cosmetic mods will increase the risk so why not the premium?

They won't do anything for nothing!!
 

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As Gary says , everything, if theres a claim and they see something that you didnt declare, you could lose out big time.

zak
 

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Discussion Starter · #4 ·
what about uprated brakes, which actually makes the car safer, are these classed as a mods? or what about arb's or chassis mod's in general? I don't believe for a minute every single mod is declared. Also suspension i think is a grey area.

I accept items like wheels, body kits and performance mods, ie ECU upgrades etc need to be mentioned.

Don't get me wrong i fully accept if you mod then you have to be willing to pay for it, but to a limit, as premiums are high to start with.
 

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I agree with GaryM; anything other than factory standard spec should really be declared; especially anything visible like bigger wheels, bodykit, leather interior etc.  Insurance companies adjust premiums based on calculated risk. I don't understand why people take a risk by paying alot of money for insurance which doesn't properly cover the car specification; the insurance company is entitled to refuse any payout imo if they discover the car has been misrepresented.
 

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what about uprated brakes, which actually
makes the car safer, are these classed as a mods? or what about
arb's or chassis mod's in general? I don't believe for a minute every
single mod is declared. Also suspension i think is a grey area.
Anything that isnt standard fit to that vehicle when it left the factory is classed as a mod.

Its not grey - its black and white, you know what insurance companies are like when it comes to excuses for not paying out.

Why don't you believe that I have every mod declared?

I spent ages on the phone to the operator at Liv Vic whilst she noted
every mod I had made, I even included the potential mods that I was
going to (and have now) added.

I can sleep easy knowing there won't be a problem in the event of a claim.
 

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Don't get me wrong i fully accept if you mod
then you have to be willing to pay for it, but to a limit, as premiums
are high to start with.
Which is like saying that the latest LCD TV is too expensive so you're
willing to steal it insead of paying as you believe its too expensive.
 

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what about uprated brakes, which actually makes the car safer, are these classed as a mods?
My policy went up ?20 when I fitted my Brembo's!! They said it was
because it possibly made the car more attrative to steal and they would
cost more to replace if required!

Declare everything and rest easy is my view.
 

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Ok then so if you order a say vrs fabia and put 2k worth of options on the car should you tell them or do they come as standerd as the car is a factory order
 

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Ok then so if you order a say vrs fabia and
put 2k worth of options on the car should you tell them or do they come
as standerd as the car is a factory order
I think you will need to tell them as its an addition to standard spec.

They will add to you chances of your car being stolen and also additional costs to replace.
 

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I'm adding gti rear lights and colour coded rubstrips and door handles soon.

I've already declared my santa monicas i added a few months back, but i cant see how i'd need to declare the above......?
 

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I'm adding gti rear lights and colour coded rubstrips and door handles soon.

I've already declared my santa monicas i added a few months back, but i cant see how i'd need to declare the above......?
Because you are making it look like a GTI........

Can't you see that??
 

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Cant you just go by the motto...'well, it was like that when i bought
it and i didnt know it had been changed from standard spec.'

Anyway, how can they tell the difference between gti lights and 1.6 lights?
 

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Cant you just go by the motto...'well, it was like that when i bought
it and i didnt know it had been changed from standard spec.'

Anyway, how can they tell the difference between gti lights and 1.6 lights?
Its your responsibility to check the spec and inform the insurance company of any deviations from it.

Simple as that really.

As for telling the difference between GTI and 1.6 lights, you obviously can and so will an insurance assessor if needs be.

Still, its your call at the end of the day.
 

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Ooooops think i better give norwich union a call tonight!!! I did mean to tell them about my mods.....but have'nt got round to it yet. After reading this thread its definitely made me wana tell them everything!! Not that theres much to tell.

My insurance is expensive as it is though [:(] now that they've put the 2.0 GTi in the same catagory as a 1.8 T FFS!!!! As if they're anything like each other, its pathetic. Im paying the same as i did last year now.
 
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