[simon.]

Originally Posted by SteveChester

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.

[doncarlyon]

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.

[TodmordenLad]

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.

[Abbot26]

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.

[doncarlyon]

Get an M4 engine fitted ha ha!

[TiredGeek]

Originally Posted by kylemacca01

Who is your insurer?

Saga.
Yes, I am that old 😋

[BMWiltshire]

Originally Posted by Abbot26

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

[robbiep]

Originally Posted by Abbot26

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)

[NotGotABimmer23]

Originally Posted by robbiep

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.

[doncarlyon]

Originally Posted by kylemacca01

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

[thescouselander]

Originally Posted by doncarlyon

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.

[NISFAN]

Originally Posted by thescouselander

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.

[Fantastic]

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.