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      01-20-2019, 08:49 AM   #23
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Every change to mine is declared, not worth it just in case. 200 quid but tonnes of peace of mind should the worst happen.
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      01-20-2019, 08:59 AM   #24
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Understand what ur saying, itís just a real pain in the A

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Originally Posted by SkyJawa View Post
Every change to mine is declared, not worth it just in case. 200 quid but tonnes of peace of mind should the worst happen.
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      01-20-2019, 12:24 PM   #25
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When I checked with my insurance company their stance was "it was fitted at the dealers before you collected the car? Not a modification then, the car is as you bought it"
I rang around a couple of others to double check and they said the same
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      01-20-2019, 12:44 PM   #26
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I had this issue with Direct line and stopped using them, their take on mods was anything that is added above the standard spec even at the factory was a modification, by the time we'd gone through and listed the "mods" (that were not mods at all) the price was stupid.
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      01-20-2019, 12:50 PM   #27
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Declared all my mods on my Fleet business policy but they wouldn't budge on Spacers, complete no,no.
Glad I asked before I bought them.
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      01-20-2019, 01:06 PM   #28
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Quote:
Originally Posted by TiredGeek View Post
When I checked with my insurance company their stance was "it was fitted at the dealers before you collected the car? Not a modification then, the car is as you bought it"
I rang around a couple of others to double check and they said the same
Who is your insurer?
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      01-20-2019, 01:54 PM   #29
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I've always found insuring cars with modifications to be a PITA. There's quite a few companies that won't touch modifications at all (usually the cheapest ones) and that really limits choice.

Even those that do deal with modifications can be a bit sketchy. I certainly wouldn't take confirmation over the phone that a modification is ok - if in doubt everything should be in writing as insurance companies can quickly change their opinion if there's a claim at stake. When I did own modified cars I usually found specialist brokers like Adrian Flux to be best and they would properly document anything that was different to the usual spec.
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      01-20-2019, 02:21 PM   #30
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What about remaps? Does everyone declare these?
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      01-20-2019, 02:23 PM   #31
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Quote:
Originally Posted by 330XDave View Post
What about remaps? Does everyone declare these?
Of course, nothing different from cosmetic changes.
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      01-20-2019, 02:25 PM   #32
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My last three insurerers were Direct line; Hastings direct and admiral.
All three said anything that was added above the standard spec, including factoy fit options, are a modification and must be declared.
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      01-20-2019, 02:29 PM   #33
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Quote:
Originally Posted by SkyJawa View Post
Of course, nothing different from cosmetic changes.
Well may be not in theory, but in practice we all know that unlike a physical modification a remap is unlikely to be detected.
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      01-20-2019, 02:36 PM   #34
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Quote:
Originally Posted by robbiep View Post
Fail to declare it, and in the event of an accident the insurance company would be entirely within their rights to repair the car to 'standard' condition.

Not to mention that the car is now more attractive to theft, etc. Your claim might well be refused or (more likely) reduced in the event of theft.
Failure to declare means the Insurers can repudiate & cancel the policy and not repair the car at all. If there is a 3rd party claim they legally have to pay that but the Insurers are then likely seek to recover their outlay from you.

Not worth the risk for a few quid.

I declared the dual exhaust conversion on my F31 and NFU Mutual noted the policy but there was no charge as it is only cosmetic & not performance enhancing.
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      01-20-2019, 02:36 PM   #35
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Quote:
Originally Posted by 330XDave View Post
Well may be not in theory, but in practice we all know that unlike a physical modification a remap is unlikely to be detected.
Dream on! Theyíve been able to detect them for years, itís even easier now!
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      01-20-2019, 02:43 PM   #36
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Quote:
Originally Posted by SkyJawa View Post
Dream on! Theyíve been able to detect them for years, itís even easier now!
But do they actually bother looking?
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      01-20-2019, 03:00 PM   #37
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Total load of bollocks that you should have to pay more because you fitted a £100 EBay spoiler to your car!
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      01-20-2019, 03:13 PM   #38
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I found Esure to be good when declaring mods. Had mine mapped and they charged an extra £150 for the year. Can't imagine the risk of extra body parts being any less or more risky than that.

Echoing what others have said, don't cut corners because if something happened (non fault, for example) you'd kick yourself for not spending that extra couple of hundred on the cover.
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      01-20-2019, 03:15 PM   #39
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Quote:
Originally Posted by 330XDave View Post
What about remaps? Does everyone declare these?
Yes, absolutely... There was no way I'd roll out of the showroom in a £53k list vehicle and risk losing the lot for the sake of non-disclosure!
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      01-20-2019, 03:20 PM   #40
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Quote:
Originally Posted by TheRealCCR View Post
I found Esure to be good when declaring mods. Had mine mapped and they charged an extra £150 for the year. Can't imagine the risk of extra body parts being any less or more risky than that.

Echoing what others have said, don't cut corners because if something happened (non fault, for example) you'd kick yourself for not spending that extra couple of hundred on the cover.
£150 is quite a lot! Admiral charged my £7 for an exhaust system....
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      01-20-2019, 04:12 PM   #41
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I've always declared all mods on our vehicles.

The most mods I had was on our Mercedes C320 (which is where my username comes from). We had the following (not factory fitted) mods declared:

Full AMG body kit, including boot spoiler
18" staggered alloys wheels (standard wheels were 16")
Lowered suspension (Bilstein B12 kit)
AMG exhaust system
Tinted windows

With the exception of the suspension and the tints they were all Mercedes / AMG parts.

It did limit the number of providers that would quote on comparison sites but it's always the right thing to do (in my opinion).
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      01-20-2019, 04:19 PM   #42
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When I was in the U.K. I used Adrian Flux for insurance and they accepted mods to declare at really no extra price.
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      01-20-2019, 05:06 PM   #43
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Quote:
Originally Posted by 330XDave View Post
But do they actually bother looking?
Depends on what sort of accident. I'm aware of a car being examined and insurance declared invalid due to non disclosure.
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      01-21-2019, 02:15 AM   #44
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Quote:
Originally Posted by kylemacca01 View Post
£150 is quite a lot! Admiral charged my £7 for an exhaust system....
Top tip - will ask them for a quote with mods come renewal time, thank you!
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