Vauxhall Corsa-C Forum banner

1 - 20 of 154 Posts
D

·
Guest
Joined
·
0 Posts
Discussion Starter #1
Car Insurance Modifications - Should I Declare Them?
Yes, yes, yes and yes!!! Car modifications should always be declared even if it costs extra. If they are not declared, then in the event of a claim your insurance policy could be voided which will lead to all sorts of problems. If you have a heavily modified car it is recommended that you get insured with an insurance specialist that deals with modified cars.

How much does it Cost to Declare Car Insurance Mods?
The cost for different car modifications varies massively between insurance companies. Before purchasing a modification we recommend you check with your insurance company how much it will cost. It is also worth noting that in most cases in the event of a claim the modified part will only be replaced by the standard part.

Why does it Cost Extra to Insure a Modified Car?
There are two main reasons why mods cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium.

Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits put up your insurance as they make the car faster which means you are more likely to crash.
Aesthetic Modifications such as body kits, tints and spoilers increase your premium as it makes your car more attractive to thieves and vandals.
What do Insurance Companies class as a Modification?
99% of insurance companies will class any modification to a car after it has been manufactured as a modification. It is worth nothing that some insurance companies will class factory fitted extras as modifications.
 
J

·
Guest
Joined
·
0 Posts
Discussion Starter #5
Imo, this thread should be forwarded to every new member because they are obviously not seeing it and keep posting the same fecking threads!


SHOULD I DECLARE MY MODS?

YES YOU SHOULD

wether or not you choose to is a different matter​
 

·
Registered
Joined
·
22,309 Posts
i really dont get this

you do know that 90% of insurance companies, dont really cover mods, as they wont replace them like for like, they will replace them with standard parts incase of a bump, so why should they be declared because they will just replace them anyway?

plus 9 times out of 10 insurance companies will just say pay us the difference in what it would have cost and we will pay out :roll:
 

·
Premium Member
Joined
·
28,932 Posts
i really dont get this

you do know that 90% of insurance companies, dont really cover mods, as they wont replace them like for like, they will replace them with standard parts incase of a bump, so why should they be declared because they will just replace them anyway?

plus 9 times out of 10 insurance companies will just say pay us the difference in what it would have cost and we will pay out :roll:

becuase if its not declaredd you insurance is therefore void... meaning they wont pay out for the parts or your car... i gues they go on the assumtpion that someone who is adding modifed parts to there car are the 'type' of people that are more likely to be in/casue an accident... and lets face it theere not wrong lol

flux FTW - like for like mods FTW
 

·
Registered
Joined
·
22,309 Posts
becuase if its not declaredd you insurance is therefore void... meaning they wont pay out for the parts or your car... i gues they go on the assumtpion that someone who is adding modifed parts to there car are the 'type' of people that are more likely to be in/casue an accident... and lets face it theere not wrong lol

flux FTW - like for like mods FTW
but if they are only going to replace my mods with standard items why should i declare them? no matter what happens they will just replace them

(not saying that i dont declare mine, just curious as to peoples thoughts)
 

·
Premium Member
Joined
·
28,932 Posts
but if they are only going to replace my mods with standard items why should i declare them? no matter what happens they will just replace them

(not saying that i dont declare mine, just curious as to peoples thoughts)
Because your driving with no insurance? :\

/\/\/\/\/\ what he said
 

·
Registered
Joined
·
22,309 Posts
Because your driving with no insurance? :\
but why should i pay an extra premium for them just to replace them with standard parts like they would if it wasnt declared, fair enough with flux replacing them with like for like parts but other companies dont, so why declare them?
 

·
Premium Member
Joined
·
28,932 Posts
but why should i pay an extra premium for them just to replace them with standard parts like they would if it wasnt declared, fair enough with flux replacing them with like for like parts but other companies dont, so why declare them?

if there not declared they wont replace anything - your left to foot the bill as your insurance is void! youve added parts and not told them = no insurance
 
J

·
Guest
Joined
·
0 Posts
Discussion Starter #14
Solly™;4804352 said:
but why should i pay an extra premium for them just to replace them with standard parts like they would if it wasnt declared, fair enough with flux replacing them with like for like parts but other companies dont, so why declare them?
I don't do the rules, i just empty my pockets to them :\
 

·
Registered
Joined
·
22,309 Posts
if there not declared they wont replace anything - your left to foot the bill as your insurance is void! youve added parts and not told them = no insurance
yeah but thats what im saying

if i declare them, i want them replace like for like

if that is not the case why should i declare them?

capish?
 

·
Premium Member
Joined
·
28,932 Posts
yeah but thats what im saying

if i declare them, i want them replace like for like

if that is not the case why should i declare them?

capish?

yeh i get what your saying mate but you have no choice! lol

if you dont declare them (weather they get replaced like for like or not) your not insured. simple lol
 

·
Registered
Joined
·
3,106 Posts
I agree although I know a LOT of people who don't have all their modifications declared and when asked they say they would just replace them with standard parts in the event of a bad crash.


Although I do know one lad who now has to pay a £6k finance bill on a car he no longer has because he didn't declare his mods and he crashed.

Saying that he didn't get into any trouble with the bill, so if it was a cheap car it might not have mattered.


Out of interest anybody know anybody who has been done for invalid insurance?
 
1 - 20 of 154 Posts
Top