01-14-2013, 11:57 AM | #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, 02:05 AM | #2 | |
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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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328i M-Sport, Estoril Blue, Carbon XP 35 Tint, front heated seats, black Dakota, Sports Suspension, Anthracite Headliner, HUD, Pro Nav, Sunroof, hk 600w, Bi-Xenon, 19" 403M wheels, Reversing Camera, DAB+, Xenon, BT Ext Connect, MST turbo intake pipe, MST Cold Air Intake, JB4 on Map 2 with Catless DP produces awesome performance in Sport.
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01-15-2013, 02:13 AM | #3 | |
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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, 02:40 AM | #4 | |
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The onus is on YOU to disclose EVERYTHING. Don't hide anything from the insurance company.
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328i M-Sport, Estoril Blue, Carbon XP 35 Tint, front heated seats, black Dakota, Sports Suspension, Anthracite Headliner, HUD, Pro Nav, Sunroof, hk 600w, Bi-Xenon, 19" 403M wheels, Reversing Camera, DAB+, Xenon, BT Ext Connect, MST turbo intake pipe, MST Cold Air Intake, JB4 on Map 2 with Catless DP produces awesome performance in Sport.
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01-15-2013, 03:02 AM | #6 |
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Pleasure. Whatever I can do to help. Anytime.
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328i M-Sport, Estoril Blue, Carbon XP 35 Tint, front heated seats, black Dakota, Sports Suspension, Anthracite Headliner, HUD, Pro Nav, Sunroof, hk 600w, Bi-Xenon, 19" 403M wheels, Reversing Camera, DAB+, Xenon, BT Ext Connect, MST turbo intake pipe, MST Cold Air Intake, JB4 on Map 2 with Catless DP produces awesome performance in Sport.
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01-15-2013, 03:51 AM | #7 | |
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01-15-2013, 04:39 AM | #8 |
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+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, 08:17 AM | #9 | ||
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Quote:
Quote:
http://www.f30post.com/forums/showth...1#post13311681
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01-18-2013, 03:20 AM | #11 |
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01-18-2013, 03:25 AM | #12 | |
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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, 08:29 AM | #13 |
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Haha I'm not on my P's, that's for my girlfriend
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01-18-2013, 07:40 PM | #15 | |
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Will let you know, it's coming late January or early February
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01-18-2013, 10:38 PM | #16 | |
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04-17-2013, 09:06 AM | #17 | |
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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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04-19-2013, 11:23 PM | #19 |
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arent the stripes vinyl?
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04-21-2013, 03:42 AM | #20 |
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01-22-2014, 07:24 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, 06:50 AM | #22 | |
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It didnt cost extra I'm with suncorp
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