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Thread: mods - insurance

  
  1. #1
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    mods - insurance

    what mods to u have to declare on ur insurance? do u have to tell them if u have irmy lights? and what about if i add a spoiler that is normally standard?
    2006 Astra 1.6 16V Twintop Sport

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    jam's Avatar
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    Follow jam On Twitter
    Tell them all.

    If they get a wiff of not having to pay out. Guess what!!! They won't. Declare all and then worry about nothing.
    Its a jam thing

    Haec credam a deo pio, a deo justo, a deo scito?



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    Declare every single thing you have done. Let them decide if the mod makes no difference to your insurance.

    As Jam says, if you haven't told them something, they will use it as a reason to void your cover


    I recently declared all my mods, I ended up getting my insurance cheaper then what i was quoted for it being standard.
    Defend Freedom. You are the resistance!

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    Quote Originally Posted by pyane
    what mods to u have to declare on ur insurance? do u have to tell them if u have irmy lights? and what about if i add a spoiler that is normally standard?
    A spoiler isn't standard on a 1.6 SXi therefore it should be declared, same with the lights.

    ANY items which differ from the standard factory spec of the car should be disclosed.

    Whether or not your insurer charges for everything is down to them.
    Previous Astras: 1994 Cesaro 1.8 16v | 2002 SXi 1.6 16v | 2001 Coupé 2.0 Turbo | 1999 LS 1.6 16v
    Other Vauxhalls: 2001 Vectra 1.8 16v| 2003 Vectra GSi 3.2 V6 | 2005 Signum CDTi 150

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    I've declared my mods, it doesn't cost me any extra, but on the other hand they wont pay out for any claims to those particular mods, only the standard stuff, eg if my bumper breaks, they'll replace it with an OE one
    I'm after another Coupe Turbo

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    yeah thats what i thought. do u have to tell them if i mod the inside? like the colour coding?
    2006 Astra 1.6 16V Twintop Sport

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    Do it anyway - they may see it as making the car more nickable, and an increased risk. Tell them everything and let them decide.

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    yeah, i jsut renewed mine, they didnt care about the front grill but they did about my irmy lights

    always declare everyhting is the general rule

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