 | Home > Finance & Insurance > OK, own up, do you declare all mods? |
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| Caterham Member Since: 06 Nov 2008 Location: Birmingham Posts: 6298   
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What mods
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6th Jan 2016 10:07pm |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3750 
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Hello
Tell them everything, My fear would be if you have an accident and god for bid taken away in an ambulance say... then your car is checked. ooh different wheels, spacers, remap, etc etc... VOID INSURANCE i would think... simply not worth saving a few quid. Plus many specialist insurance companies are actually cheaper with mods declared than the normal compare the what not sites... Adrian Flux were great when I have had modified cars. |
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6th Jan 2016 10:09pm |
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| RoddyK05 Member Since: 08 Apr 2015 Location: Inverclyde Posts: 633  
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Does ANY change need to be notified? For example, I have a roof rack and aftermarket Exmoor trim seats. Neither are a performance mod, both are made to suit the vehicle, so THEY are not modified although the vehicle consequently is. What level of stuff is the insurance company interested in - down to a rear work lamp or snow cowal, or stuff that can 'alter' the motor such as mentioned in a previous post eg wheel spacers, remap etc? I suppose the best answer would come from my insurers, but just interested to gauge the different opinions on here.
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6th Jan 2016 10:22pm |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3750
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^
The roof rack, seat covers, snow cowl etc could make low life's choose yours to take rather than one without... I would suggest it would so would declare them. |
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6th Jan 2016 10:25pm |
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| Edzi Member Since: 20 Sep 2015 Location: London Posts: 279 
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Some insurance companies will look for any excuse not to pay out. My approach is to declare everything. I'd rather not give them an excuse!
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6th Jan 2016 10:26pm |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087
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I did when I insured the Keswick Special...
But then, I would say that wouldn't I... 
I am insured with a D2 site sponsor... Rog...
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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6th Jan 2016 10:32pm |
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| Lambley Member Since: 20 Apr 2013 Location: Mid Devon Posts: 1435 
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I declared ecu retune, wheels, tyres, intercooler, every upgrade I've done, plus made sure I upped the worth of the vehicle, it only made an extra £30 per year, no point in not declaring things as you may as well not be covered.
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6th Jan 2016 10:44pm |
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| apt100 Member Since: 05 Mar 2015 Location: Derbyshire Posts: 1547 
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Wasn't there a story last year where an insurance company claimed that a woman's stickers in the window where an undeclared modification and tried to refuse a claim?
I think the argument was the sticker may have been seen as potentially offensive and the claim was for vandalism (I think) so the argument was that the stickers made her vehicle more likely to be damaged and so was a higher risk. There is some logic in it. It's not always about higher performance but also if you are a higher risk for theft, vandalism or if the mods put your repair costs up or cause more damage to another vehicle/person in the event of a collision. edit...quick google... http://www.mirror.co.uk/money/how-stickers...ld-5244082 |
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6th Jan 2016 11:06pm |
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| Mash Member Since: 09 Feb 2015 Location: Guernsey Posts: 1674  
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Yep declare it all on both the disco and the defender and my insurance went ......
Exactly the same no change to either, disco is modded with winch, steel bumpers front n rear, aux fuel tank, more candle powers than the sun etc and the defender has a hardtop instead of a soft top. 90 wolf - Jasmin http://www.defender2.net/forum/topic39408.html 90 V8 - Maggie http://www.defender2.net/forum/topic42564.html 110 TD5 - Buggsy http://www.defender2.net/forum/topic59029.html 52HG25 lightweight https://www.defender2.net/forum/topic72342.html D3 Hse - Fiona Capri 2l S - Anna Think I might have a problem............ Last edited by Mash on 7th Jan 2016 9:38am. Edited 1 time in total |
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6th Jan 2016 11:27pm |
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| RobKeay Member Since: 19 Jul 2009 Location: Stafford Posts: 1579 
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Seat Covers?
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7th Jan 2016 12:02am |
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| WhiskyJackR Member Since: 25 Nov 2014 Location: Lizard Posts: 159
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If you don't declare everything then you allow the insurer to refuse any claim you make as you have not provided full disclosure of the risk to be insured.
Short term you get a lower premium, not always the case though. The insurer is happy for the business and to take your money, even happier when you make a claim and he discovers undisclosed items as then he doesn't have to pay out and still gets to keep your premium. If you want your insurance to cover you when the  hits the fan then you must disclose everything that is relevant to their calculation of the premium. That is when is gets tough though, some items are obvious and some not. Which mods do they need to know about and which are irrelevant. Some would say that this is just a matter of common sense, I would suggest not. Insurers are not in the business to pay out on claims, they are in the business of taking premiums and holding on to as much of those premiums as they can, plain and simple. Insurers are not there to help you, they are there to make a margin just like any other business.
In short, if you want your insurance to be valid declare everything. They may not agree to insure you, fine, move on to the next, no harm no foul! Any farther South and I'll need to trade the Defender in for a Landing Craft  |
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7th Jan 2016 12:19am |
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| Lordsmut Member Since: 28 Nov 2015 Location: Bucks Posts: 23 
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Who is everyone insured with?!
I'm paying more now for insurance than I ever have because I declared my mods and I'm 33! |
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7th Jan 2016 6:24am |
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| Dave T Member Since: 07 Jun 2013 Location: Glasgow Posts: 490 
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I am with Heritage now, Lancaster last year, both had off road cover and all mods included inc chassis, wheels, tyres, snorkel, even cubby (as that reduced it to 4 seats) 2015 RRS Autobiography SDV6
1994 Def 90 300tdi |
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7th Jan 2016 6:49am |
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| stanley Member Since: 18 Sep 2009 Location: Dorset /hampshire Posts: 1032 
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So what constitutes a MOD and what constitutes an Acessory?
My insurers , when I told them of the roof rack , RAI, etc told me that as they were an OEM accessory fitted by Landrover dealer they aren't a modification ! |
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7th Jan 2016 6:57am |
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