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Thread: Insurance Question?

  
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    john1981's Avatar
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    Insurance Question?

    Hey Guys,

    I think I know the answer to this question, but do you all declare your car mods e.g. alloy wheels and exhausts? I was chatting to my mate at work about my insurance quote and he was saying I should not put my exhaust back box and alloys on the policy as it pushes up your quote. I said to him, that if you don't declare them and your insurance company finds out they won’t pay out a penny. However he reckoned that they would fix the car, but only put standard parts back on the car.

    Do you get what I mean?

    I think I am correct and he is just imagining things!

    John
    Drives: Astra MK4 Coupe 2.2 & MK4 Estate 1.7TDI (Car Modification Diary)

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    You're correct - declare everything and then should you have need to claim the insurance can't use the fact that they didn't know about it to back out of paying

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    Alloys and a back box would not push your insurance by much so it is always in your best intreast to declare mods to them or as you say they wont pay out, In the worst case would also lead to points on your licence for not having insurance as they might even void it.

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    Quote Originally Posted by astrasx1
    Alloys and a back box would not push your insurance by much so it is always in your best intreast to declare mods to them or as you say they wont pay out, In the worst case would also lead to points on your licence for not having insurance as they might even void it.
    LOL I wish they didn't but all quotes I have had, increase my quote by around £250.
    Drives: Astra MK4 Coupe 2.2 & MK4 Estate 1.7TDI (Car Modification Diary)

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    the way i look at it is, tell them about every mod and possibly pay a little extra but be completely covered, or not tell them about a few things, pay a little less but when the time comes not be covered.

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    Cheers guys,

    I think I am gonna try and talk to the companies directly. I noticed on the confused.com most insurers are adding around £200 to my quote for my Irmy back box. Last year I only paid £80 extra for that on my policy. Although I thought £80 was steep as well.

    Regards

    John
    Drives: Astra MK4 Coupe 2.2 & MK4 Estate 1.7TDI (Car Modification Diary)

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