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      01-14-2013, 12:57 PM   #1
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m-sports kit retrofit + insurance?

Hi, Im getting my front, side, rear bumpers replaced with m-sports later this month (currently on its way from Germany). I'm insured with Suncorp, and I'm doing everything via dealer (ordered+paint+fit).

Do I need to declare I've changed this? or is it not necessary because its official BMW?

note: this is my first ever body mod I've done on a car
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      01-15-2013, 03:05 AM   #2
David328M-Sport
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Quote:
Originally Posted by newbmwuser View Post
Do I need to declare I've changed this? or is it not necessary because its official BMW?
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.

Cheers
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      01-15-2013, 03:13 AM   #3
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Quote:
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.

Cheers
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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      01-15-2013, 03:40 AM   #4
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Quote:
Originally Posted by newbmwuser View Post
thanks, as I thought.
How should I word it as to not cause confusion?
As clearly and direct to the point as possible including the extra cost. Do not try and avoid anything.

The onus is on YOU to disclose EVERYTHING. Don't hide anything from the insurance company.
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      01-15-2013, 03:59 AM   #5
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got it

thanks
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      01-15-2013, 04:02 AM   #6
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Pleasure. Whatever I can do to help. Anytime.
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      01-15-2013, 04:51 AM   #7
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Quote:
Originally Posted by newbmwuser View Post
Hi, Im getting my front, side, rear bumpers replaced with m-sports later this month (currently on its way from Germany). I'm insured with Suncorp, and I'm doing everything via dealer (ordered+paint+fit).

Do I need to declare I've changed this? or is it not necessary because its official BMW?

note: this is my first ever body mod I've done on a car
How much did this exercise cost you?? I am keen to know, i like the skirts but somehow I find the audi-eqse front shover interesting on the no line.
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      01-15-2013, 05:39 AM   #8
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Originally Posted by Tra08R View Post
How much did this exercise cost you?? I am keen to know, i like the skirts but somehow I find the audi-eqse front shover interesting on the no line.
+1, but specifically do you know the cost of the front bumper only? I just like the sport version of the front bumper & can only be bothered changing just that one component.
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      01-15-2013, 09:17 AM   #9
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Quote:
Originally Posted by CKau View Post
+1, but specifically do you know the cost of the front bumper only? I just like the sport version of the front bumper & can only be bothered changing just that one component.
Quote:
Originally Posted by Tra08R View Post
How much did this exercise cost you?? I am keen to know, i like the skirts but somehow I find the audi-eqse front shover interesting on the no line.
Ive just created a thread on prices as a guideline. Brace yourselves for some heavy costs After all, we ARE in Australia aren't we?

http://www.f30post.com/forums/showth...1#post13311681
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      01-18-2013, 12:22 AM   #10
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The inflation and tax is driving us all broke
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      01-18-2013, 04:20 AM   #11
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The inflation and tax is driving us all broke
And the F&*^*% RBA morons are not allowing asset inflation. stupid fools. Think how much we will make off our property.
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      01-18-2013, 04:25 AM   #12
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Quote:
Originally Posted by Tra08R View Post
And the F&*^*% RBA morons are not allowing asset inflation. stupid fools. Think how much we will make off our property.
Really mate, you need to:
  1. take anger management courses
  2. drink less
  3. exercise more
  4. do all of the above
Otherwise you'll end up when you pop a blood vessel.


OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.
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      01-18-2013, 09:29 AM   #13
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Quote:
Originally Posted by Dabaitu View Post
OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.
Haha I'm not on my P's, that's for my girlfriend
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      01-18-2013, 06:24 PM   #14
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In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?
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      01-18-2013, 08:40 PM   #15
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Quote:
Originally Posted by J1n View Post
In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?
Don't know yet
Will let you know, it's coming late January or early February
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      01-18-2013, 11:38 PM   #16
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Quote:
Originally Posted by Dabaitu View Post
Really mate, you need to:
  1. take anger management courses
  2. drink less
  3. exercise more
  4. do all of the above
Otherwise you'll end up when you pop a blood vessel.


OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.
or I can just stop imitating Mr T. fool
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      04-17-2013, 09:06 AM   #17
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Quote:
Originally Posted by J1n View Post
In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?
didnt raise it at all, apparently, the next mod i do will nudge it up..

hey guys, one more question (not sure if ive asked this in the past), all the insurance companies say that wont insure custom paint work on cars (on their website). I painted my roof black, is that considered custom paintwork?
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      04-19-2013, 11:14 PM   #18
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Quote:
Originally Posted by newbmwuser
Quote:
Originally Posted by J1n View Post
In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?
didnt raise it at all, apparently, the next mod i do will nudge it up..

hey guys, one more question (not sure if ive asked this in the past), all the insurance companies say that wont insure custom paint work on cars (on their website). I painted my roof black, is that considered custom paintwork?
No idea. I guess the same would be said if u buy those black performance stripes. Lol
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      04-19-2013, 11:23 PM   #19
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Originally Posted by J1n View Post
No idea. I guess the same would be said if u buy those black performance stripes. Lol
arent the stripes vinyl?
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      04-21-2013, 03:42 AM   #20
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arent the stripes vinyl?
Ya probably but what I am saying is I am not sure if you can incorporate that into the insurance.
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      01-22-2014, 08:24 PM   #21
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So when you disclosed all the mods, did you tell them you retrofitted m sport bumpers or did you pass it off as the m sport package. Which insurance company did you go with ? How much did it cost ?
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      01-23-2014, 07:50 AM   #22
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So when you disclosed all the mods, did you tell them you retrofitted m sport bumpers or did you pass it off as the m sport package. Which insurance company did you go with ? How much did it cost ?
I declared it as a OEM M-sport body kit, and declared the value
It didnt cost extra
I'm with suncorp
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