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Discussion Starter · #1 ·
Damn them insurance companies are more of a pain in the ass than i thought,

Im with norwich union and rung them up today to tell them about my modification plans and they told me that im only allowed 3!!

So now i dont know if i should bother with any of them, i want to fit a body kit, exhaust and got some alloys, but i also want to lower my car....How can i go about doing this without breakin their rules!!

To me it sounds impossible but i aint sure that if i change the suspension springs that the insurance company could notice...
 

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if you crahs and the ins company decide to inspect the car, then they WILL notice every little detail (including deep things that are not visable to the eye, ie if the car has been chipped or remapped etc.)

so there is no doubt they will notice non stnadrd springs
 

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It's your god-damned car so you can do what you like with it. Go to confused.com, get a quote, check the modification rules are to your liking (I can do unlimited cosmetic & they want an engineers report per mechanical change - but that's unlimited too)

Then call norwich union and cancel the insurance, they'll give your money back, less a fee (which you'll probably save on confused) and then you're free to do what you like!
 

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Discussion Starter · #4 ·
benjie im on the same wave length as you mate, its true your car do what u want but i dont want to crash and then get no money from the insurance, not saying imma crash. im just trying confused.com lik u said to see what quote i can get.

Also Andy mate, what insurance company are u with?
 

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Also Andy mate, what insurance company are u with?
im with tesco, you pay a premium of say ?300 for exteranl (b.kit, alloys, lights etc) mods (and are allowed up to around ?1000 worth of mods on that - they are very relaxed on the ?1000 i seem to find though)

also same sorta system for other mods (performace mods (exhaust, remap etc.)), (other mods like suspension etc.)

its fairly good i guess
 

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Discussion Starter · #8 ·
so do you think that if i was to place 4 mods on to my car and only report 3 of them that that will invalidate my insurance and then they won pay out...?

I just tried confused.com it was like ?2,100
 

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thats a still a fair bit of time left. the only reason i asked was that when i was previousely with tesco they wouldn't allow me any mods due to ma age but when i said i had a bette quote and i would take my business elsewhere they relaxed a bit and allowed me to carry out any modification as long as it was cosmetic?  was worth a shot lol
 

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Any mod that isn't declaired runs the risk of canceling your insurance. My bro nearly lost out on a claim because he changed the "colour" of his alloys and never said? Thre robbing bas***ds an will try anythin to get out of payin up bud
 

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Three options

1. keep your mouth shut and dont crash?

2. Keep your mouth shut an if god forbid things do go t*ts up get the boyz round to rapid change it back lol

3. do the 3 most important mods you want claim them and keep shoppin about perhaps try specialist insurance? sometimes being a club member helps too?

Its sh*t but thats how these companys con us out of hard earned beer tokens.
 

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Discussion Starter · #13 ·
humm ye the second one sounds good but relistically the last on is more applicable,

I swear i read sumwear that peopl have cut their suspension springs to lower their ride? but is it classed as a mod
 

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not really but you run the risk of damaging the shocks and the handling is not the best. The other option is to buy a lowering kit and a tin or two of mat black spray paint and just hide the mod a bit?
 

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do not under any circumstances cut your springs. modern springs are progressivly wound meaning that part of the spring may be wound to be soft to absorb small bumps, and the other part wound to be hard to prevent it from botoming out. if you cut part of this you are putting yourself and others around you at risk. it is very very dangerous, do not do it! if you were to do this and you had an accident, then any insurance assesor worth his salt would pick it up, and definatley wouldnt pay out for a claim.

Jamie
 

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It is a pain in the botty but id declare everything you do and change companies. Fair enough the chances are slim but you could have a v.nasty accident, not necessarily your fault and if they find even a defect on a tyre that you were using that day, they will pass on your claim. So imagine if they were to find non-spec wheels etc? Ifs all fair saying you can change things over if you crash but what if you get trapped in the car?

If you are not going to declare you might as well not pay for any insurance at all, as it will be void. Ive learnt off here and i cannot believe i use to drive around in a modified car before my Bora not knowing that this affected insurance that much. Luckily i didnt have no accidents.
 

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Discussion Starter · #18 ·
it did sound a bit dodgey to me but sounded like it would work, after hering what u just said im thinking its a bad idea....

What do you mean we get discount from adrian flux??
 
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