Vauxhall Corsa-C Forum banner

141 - 154 of 154 Posts

·
Registered
Joined
·
261 Posts
In my experience, even if you crash, insurers will only inspect if you claim. Just strip all the mods off before they come out - simplez!
That's all well and good but what happens when you are leaving the scene of an accident in the back of an ambulance? When you really need your insurance policy to be worth the paper it is written on, you will regret fraudulently insuring your car.
 

·
Registered
Joined
·
11 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:
FACT this is true insurance is just another scam for a company not having to pay out if your car is heavy modded then specialist insurance is a must, they will always try catch you out somehow!
 

·
Registered
Joined
·
25 Posts
i went to decalre my mods with my old insurance and they didnt want to know, so shopped around and found a specialist in modified cars, really good pricing i made sure i declared everything from the engine all the way down to my interior bulb, can never be to careful pays to be fully insured, i get pulled over weekly as it attracts attention, i let them do there checks they get comfirmation everything is declared and let me on my merry way, people who dont declare there mods are driving with no insurance in my opinion, if you dont declare your mods and still drove about it would be void,all it takes is to have an accident that might end up in either the other party or yourself/passengers being a fatality or even whiplash and they will take you to the cleaners and hang you out to dry or even getting pulled over by the police and they will take it away until you can provide proper insurance, this ending in fines,points and recovery and storage charges. it dosent cost that much to declare them at all better safer than sorry in my opinion as stated before in the thread if you cant afford to insure it modified dont mod it
 

·
Registered
Joined
·
2,168 Posts
i went to decalre my mods with my old insurance and they didnt want to know, so shopped around and found a specialist in modified cars, really good pricing i made sure i declared everything from the engine all the way down to my interior bulb, can never be to careful pays to be fully insured, i get pulled over weekly as it attracts attention, i let them do there checks they get comfirmation everything is declared and let me on my merry way, people who dont declare there mods are driving with no insurance in my opinion, if you dont declare your mods and still drove about it would be void,all it takes is to have an accident that might end up in either the other party or yourself/passengers being a fatality or even whiplash and they will take you to the cleaners and hang you out to dry or even getting pulled over by the police and they will take it away until you can provide proper insurance, this ending in fines,points and recovery and storage charges. it dosent cost that much to declare them at all better safer than sorry in my opinion as stated before in the thread if you cant afford to insure it modified dont mod it
Who did you use?


Sent from my iPad using Tapatalk
 

·
Registered
Joined
·
25 Posts
im with Greenlight, very friendly company, there are few restrictions ie driving over three years etc but prices are very good, all my friends use them
 

·
Registered
Joined
·
2,113 Posts
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.
Old thread, I really get annoyed that we are all tarred by with the same brush. Those of us that are older, and spend thousands on older cars, putting on better brakes, suspension, stainless exhausts (because the originals are not available) are treated the same as the 17 year old boyracer who wants to get his car as fast as he can go street racing, or whatever young people do in car parks now.

Almost all of these mods make the car safer on the road, yet we are punished because modding is seen as a bad thing.

I know quite a few classic car owners that put thousands into their cars, and the last thing they want to do is abuse them, and they'll be classed as heavily modified. Compared to a stock 20 or 25 year old vauxhall that cost a few hundred, knackered suspension, dodgy brakes, owner that doesn't care - and get cheap insurance because it's stock.

It's a warped world
 

·
Super Moderator
Joined
·
8,366 Posts
Old thread, I really get annoyed that we are all tarred by with the same brush. Those of us that are older, and spend thousands on older cars, putting on better brakes, suspension, stainless exhausts (because the originals are not available) are treated the same as the 17 year old boyracer who wants to get his car as fast as he can go street racing, or whatever young people do in car parks now.

Almost all of these mods make the car safer on the road, yet we are punished because modding is seen as a bad thing.

I know quite a few classic car owners that put thousands into their cars, and the last thing they want to do is abuse them, and they'll be classed as heavily modified. Compared to a stock 20 or 25 year old vauxhall that cost a few hundred, knackered suspension, dodgy brakes, owner that doesn't care - and get cheap insurance because it's stock.

It's a warped world
totally agree with this 100%.
 

·
Registered
Joined
·
2 Posts
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.
Yes
 
141 - 154 of 154 Posts
Top