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      01-15-2013, 04:13 AM   #3
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Drives: F87 LCI
Join Date: Nov 2012
Location: Brisbane

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Originally Posted by David328M-Sport View Post
Any modification to any car needs to be noted for insurance purposes. If you don't disclose, you risk the insurance company not paying out, should a claim be made.

So if you original car was say the Sport Line and after your M-Sport panels are fitted and you don't tell the insurer and if say the front M-Sport bumper panel is damaged, they only know the panel will be the original Sport Line panel and pay for it.

Then they find out you changed it without their knowledge, they will probably deny your claim as you did not honour your duty of disclosure requirements.

Even organising my insurance, I had to disclose all factory options as well, in case of a claim. The insurance company has to know everything about your car.

thanks, as I thought.

Im just worried if I tell them i retrofitted a m-sport bumper, they will consider it to be the whole m-sport kit (seats, interior exterior etc) and my insurance cost will shoot up more than it should. How should I word it as to not cause confusion?
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