F30POST
F30POST
2012-2015 BMW 3-Series and 4-Series Forum
BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read
BMW 3-Series and 4-Series Forum (F30 / F32) | F30POST > 2012-2019 BMW 3 and 4-Series Forums > Regional Forums > UK > Dreaded insurance - have you confessed ?
GetBMWParts
Post Reply
 
Thread Tools Search this Thread
      01-21-2019, 02:22 AM   #45
simon.
Colonel
United Kingdom
898
Rep
2,544
Posts

Drives: F48 25D mSport
Join Date: Dec 2014
Location: Milton Keynes

iTrader: (0)

Quote:
Originally Posted by SteveChester View Post
Total load of bollocks that you should have to pay more because you fitted a £100 EBay spoiler to your car!
Why? You have potentially made your car stand out a little more thus being more attractive to a car thief or to vandalism so the insurer would be within their right to charge a premium to cover this.
Appreciate 1
dizzy619431.00

      01-21-2019, 03:24 AM   #46
doncarlyon
Captain
257
Rep
754
Posts

Drives: Megane RS 300 Trophy
Join Date: Aug 2018
Location: Newcastle Upon Tyne

iTrader: (0)

If you pick the correct broker, you should be able to get a reasonable quote for a modified car.

I used to insure a Focus RS with a 65% power increase, various other mods and including track day insurance as well as a guaranteed value and it was no real increase over a bog standard policy.
Appreciate 0
      01-21-2019, 03:41 AM   #47
TodmordenLad
Brigadier General
United Kingdom
2301
Rep
3,522
Posts

Drives: -
Join Date: May 2015
Location: UK

iTrader: (0)

Not worth the risk IMO. Undeclared mods can invalidate your policy, even cosmetic ones. Insurance companies will go to great lengths these days not to pay out and if the mods policy was in the small print at the time of accident/theft and they found out (admittedly not likely in the event of an unrecovered theft), you wouldn't have a leg to stand on
I have the MPPSK and the M Perf rear diffuser on my 440i. There was.a £40ish insurance increase for the power kit and nothing for the diffuser.
__________________
Owned: 440i GC LCI with MPPSK, F31 330D M Sport with MPPK, F11 530D SE, F11 520D SE, E61 530D M Sport, E36 325i plus many MB's, Audi's & Volvo's
Appreciate 0
      01-21-2019, 05:16 AM   #48
Abbot26
Private First Class
Wales
21
Rep
192
Posts

Drives: X3M Comp
Join Date: Jul 2011
Location: Swindon

iTrader: (0)

So guys here’s the update, spoke to BMW insurance services (the ones I have 7 days free cover with), they say ‘we don’t consider any parts fitted at BMW dealers using genuine BMW parts to be a modification’, I’ll take that.
Appreciate 0
      01-21-2019, 06:23 AM   #49
doncarlyon
Captain
257
Rep
754
Posts

Drives: Megane RS 300 Trophy
Join Date: Aug 2018
Location: Newcastle Upon Tyne

iTrader: (0)

Get an M4 engine fitted ha ha!
Appreciate 0
      01-21-2019, 04:56 PM   #50
TiredGeek
Fat Old Git
TiredGeek's Avatar
271
Rep
583
Posts

Drives: 335dx F31 Shadow EB
Join Date: May 2018
Location: Leeds & Strathnaver

iTrader: (0)

Quote:
Originally Posted by kylemacca01 View Post
Who is your insurer?
Saga.
Yes, I am that old 😋
Appreciate 0
      01-22-2019, 04:27 AM   #51
BMWiltshire
Private First Class
57
Rep
110
Posts

Drives: 2016 F36 440i M-Sport+ MPPSK
Join Date: May 2018
Location: Salisbury

iTrader: (0)

Quote:
Originally Posted by Abbot26 View Post
Morning all

I purchased an F32 Lci with the full M performance body tweeks (carbon front, sill extensions, rear diffuser and carbon rear boot lip) a few days ago, I got 7 days free insurance as I bought it from a main dealer and am now looking at my own insurance.

The question is have you lot with the same ‘very light body kit’ declared it as a modification ?

Thanks all
Definitely, with Adrian Flux cosmetic stuff made no difference to the quote
Appreciate 0
      01-22-2019, 01:15 PM   #52
robbiep
Colonel
United Kingdom
1478
Rep
2,783
Posts

Drives: F11 520d MSport hearse
Join Date: Dec 2013
Location: North Wales, UK

iTrader: (0)

Quote:
Originally Posted by Abbot26 View Post
So guys here’s the update, spoke to BMW insurance services (the ones I have 7 days free cover with), they say ‘we don’t consider any parts fitted at BMW dealers using genuine BMW parts to be a modification’, I’ll take that.
Get it in writing / email !

Means absolutely fuck all unless it's down on paper (or the electronic equivalent)
Appreciate 0
      01-22-2019, 02:13 PM   #53
kylemacca01
Lieutenant Colonel
524
Rep
1,684
Posts

Drives: 340i touring - incoming
Join Date: Oct 2016
Location: Leicestershire UK

iTrader: (0)

Quote:
Originally Posted by robbiep View Post
Get it in writing / email !

Means absolutely fuck all unless it's down on paper (or the electronic equivalent)
That conversation would be recorded, like every call you make got your insurer, but written down would be ideal.
Appreciate 0
      01-22-2019, 03:04 PM   #54
doncarlyon
Captain
257
Rep
754
Posts

Drives: Megane RS 300 Trophy
Join Date: Aug 2018
Location: Newcastle Upon Tyne

iTrader: (0)

Quote:
Originally Posted by kylemacca01 View Post
That conversation would be recorded, like every call you make got your insurer, but written down would be ideal.
Should be recorded... might not be
Appreciate 0
      01-24-2019, 01:00 PM   #55
thescouselander
Lieutenant
142
Rep
470
Posts

Drives: 4 Series Gran Coupe
Join Date: Jul 2018
Location: UK

iTrader: (0)

Quote:
Originally Posted by doncarlyon View Post
Should be recorded... might not be
Even if it was recorded the insurer might have "difficulty" retrieving the call if it is needed. Definitely get any agreements in writing.
Appreciate 0
      01-24-2019, 02:25 PM   #56
NISFAN
Major General
NISFAN's Avatar
United Kingdom
3166
Rep
9,543
Posts

Drives: BMW M2
Join Date: Aug 2012
Location: Bedford UK

iTrader: (0)

Quote:
Originally Posted by thescouselander View Post
Quote:
Originally Posted by doncarlyon View Post
Should be recorded... might not be
Even if it was recorded the insurer might have "difficulty" retrieving the call if it is needed. Definitely get any agreements in writing.
Exactly, in court it is your responsibility to prove your case.
Appreciate 0
      01-27-2019, 05:32 PM   #57
Fantastic
Enlisted Member
3
Rep
32
Posts

Drives: F31 Xdrive
Join Date: Feb 2015
Location: North East

iTrader: (0)

Always declare, chances are in a normal accident or whatever nothing would be checked, but heaven forbid you end up at fault for a serious injury rtc or worse, with a major payout potential for the insurer I guarantee you they'll be looking very closely at your car and any other way to get out of the payout.
Appreciate 0
Post Reply

Bookmarks

Tags
bodykit, insurance, insurance mods

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 10:37 AM.




f30post
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2021, vBulletin Solutions Inc.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST