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Discussion Starter #1
Okay so I've had my Corsa for a while now, first car so insurance is stupidly high without any mods in the first place.

I wouldn't call any mods that I have done really "mods" more solutions to problems i've had.

The three things that are different from factory are:

1. Battery has a custom bracket installed to hold it in place due to hold bracket being rusted away (not sure when that happened just when I bought the car found the battery held in with a piece of wood)
2. Wheel trims.
3. Interior Light was replaced as it didn't work with a Blue one, since it was "cheaper".

Oh one more thing, so my insurance (SmartWheels) makes us pay if we go over our predicted mileage. I'm definitely going to go over. Should I tell them before I go over or wait till the end of the policy and then pay out?

I'm fully comp and I'm not worried about the insurance paying out to repair my car as my total excess is higher than the car is worth (ends up at about £600 excess when I paid £250 for the car.).

I know it sounds stupid but google pretty much says declare anything that isn't from the factory even if it isn't really a mod but to me that sounds insane as that'd to me seem like if my bumper was replaced with the wrong colour it counts as a mod or something stupid like that. I was also doing a random MoneySuperMarket quote the other day and under modifications there was Wheel trims which just made me think wtf.

Thank you!
 

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Afaik, some of the confusion about whether an insurer will "pay out", especially to a third party, is pretty erroneous. The insurers will pay out. The question is whether your undeclared mods are a material factor in the accident and either deducted from your comprehensive payout or perhaps enough to chase you in court for their third party cough. For example, a performance enhancement is pretty easy to satisfy a court that it was a material factor. A battery holder, interior lightbulb or wheel trim (except in a theft claim) is so unlikely to be found a material contribution that it wouldn't be proceeded. Whether SmartWheels subsequently refuse you further insurance (which can be a real black mark against you when comparing renewal quotes) is unknown.

Ignorance is no defence, as you know, but standard Halfords non-OEM replacements are a really dubious call for the insurer. I would think it's in case of theft when you claim for someone pinching some upspecced items. Someone had put Vx alloys on my Opel so I declared them as not standard. This usually puts £20 on my premium which is silly for some ancient 15s that no-one would nick but that's the problem with comparison sites and online forms (that don't ask what the alloys are worth). A couple of years ago, when I 'phoned because my Opel had no exact UK equivalent, I was lucky enough to be put onto their actuaries who were in the office, but that's rare. Specialist insurers like the sponsors on this forum are good for a proper conversation if you've got some real modifications.

The mileage is a different matter. Me, I'd 'phone them up before you exceed and pay the extra they quote before something happens. It's a material part of their risk assessment.
 

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Discussion Starter #4
Thinking of getting some Xenon bulbs for the benefit of better vision at night. I imagine these aren't necessary to be declared as well?
 

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They will probably (iirc) fail your MOT. I believe the rule is only if fitted as standard. I put those non-xenon blue-white bulbs in (I thought they gave a better road view at night, honest) and my usual garage gave me the grimace. To top it off, the beam was all over the place. Some of those cheap Chineebay ones have fake CE marks so be careful.

I got lucky and an ebay 'power' seller listed 10x Bosch for £11 and I got in there before the (surely) mistake was corrected. Boring old halogen yellowy-white, but they last forever (I was replacing the cheaps every 6 months) and the beam points where it should.
 

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Yes, I forgot to mention that. The thing is, how an actuary's brain works. It doesn't make the car rortier but they live on stats. A younger, newer driver who likes spoilers, fat exhausts (1hp), K&N air filter (1hp), bolt-on fog lamps and "land your plane here" headlights is - statistically - a bigger risk. You might as well wear a "Live Fast, Die Young" T-shirt. It's a fact that buying a higher-insurance group car often works out cheaper to cover than starting with a 1.0 and bolting on non-standard stuff. Maybe unfairly, but they start to think you might be meeting up with your mates in the Toys R Us park to do donuts.
 

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normally its mods that they "think" will more likely get the car nicked etc eg some nice expensive alloys or a increase bhp

but tbh any car can be a target if the thieves really want it
 

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Discussion Starter #9
Alright thank you guys.

Yeah I decided not to go to the bulbs, especially after what ozsubrosa said about them, it is definitely not worth the hassle especially when at this time of year it really doesn't make much difference (doesn't get dark till late).

Only other thing I have been thinking about doing is getting some of that cheap vinyl wrap you can put in the interior. I think insurance might want that to be claimed on as it'd add to the risk of it being stolen I imagine. It's a quality of life thing as when I cleaned my cars interior it seems as if the previous owner or someone has gone around it with a maths compass and just scratched up everything.
 

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I think you're being ironic but, just in case, no - you won't need to inform insurance that the glove box lid has now been covered in ebay's "happy road driving fashion" carbon fibre wrap. It has no effect on accidents and even less on breaking and entering. I do see the need to brighten up (the sea of mid-grey plastic got me down) but try a little sample because that bobbly surface might either prevent it sticking well or might poke through and spoil the effect.
 
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