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#90540 - 16th Nov 2004 12:54pm Modifications on Insurance.
rossi-foci Offline
Smartchild

Registered: 4th Oct 2004
Posts: 467
Loc: Wirral
We all know that insurance is that thorn in the side for petrolheads and maxers alike, but what does every1 on here do about it? does anyone actually declare their mods? If so what insurance companies are ok about them? I mean people like Paz hav got seriously moddded motors, is it all cocher and insured etc?
Just thought i'd see what everyone does bout insurance etc, i know mine is a killer and its only a 1.6 16v "standard"!

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#90541 - 16th Nov 2004 1:17pm Re: Modifications on Insurance.
Cali_16v Offline
Wiki Guide

Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
I dont think we should really disclose this information on here as it is a public forum.
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#90542 - 16th Nov 2004 1:45pm Re: Modifications on Insurance.
Tony MK2 Offline
Forum Master

Registered: 2nd Dec 2003
Posts: 2943
Loc: Wirral
i will reply to this one!

my insurance company knows about the modifications on my car and thats everythink: rage exhaust,window tints,induction kit.recently fitted Gti big bumper kit

i pay fully comp on a 1.6 Golf Driver 650yr and that is with the cis co-op insurance

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#90543 - 16th Nov 2004 2:11pm Re: Modifications on Insurance.
rossi-foci Offline
Smartchild

Registered: 4th Oct 2004
Posts: 467
Loc: Wirral
wow thats good tony. did it go up much when you declared them? i think personally that its a problem like beind under 21 cos your jus blackmarked straight away! daz i didnt mean it in a sort of 'Everyone tell us whether your insured properly' but more just like tony said and what mods are declared and whether they cost you much more.

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#90544 - 16th Nov 2004 2:17pm Re: Modifications on Insurance.
Tony MK2 Offline
Forum Master

Registered: 2nd Dec 2003
Posts: 2943
Loc: Wirral
my insurance never went up a penny it stayed the same as it is now, then again i am nearly touchin 30yrs old sorry

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#90545 - 16th Nov 2004 2:19pm Re: Modifications on Insurance.
rossi-foci Offline
Smartchild

Registered: 4th Oct 2004
Posts: 467
Loc: Wirral
"touchin"! delicately said! lol. yeh i wanna find a good insurance company for mods. hopefully i'll have a years no claims soon and want it all to be done properly for mods etc! dont wanna lose out if i did hav ne accidents!

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#90546 - 16th Nov 2004 2:24pm Re: Modifications on Insurance.
AX_125 Offline

Forum Guardian

Registered: 10th Nov 2003
Posts: 3793
Loc: Home
I have declared my alloy wheels, the insurance company said they would insure me on any wheels regardless of the value aslong as they arn't more than 1 inch bigger than standard.

I am paying 750 fully comp on a slightly modified civic coupe grp 13.

I declared everything with the AX, didnt affect my premium at all. 300 fully comp.
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#90547 - 16th Nov 2004 2:25pm Re: Modifications on Insurance.
Tony MK2 Offline
Forum Master

Registered: 2nd Dec 2003
Posts: 2943
Loc: Wirral
Quote:
Originally posted by rossi-foci:
"touchin"! delicately said! lol.
:cheers:

the way i see it is, it is best to declare what you have because at the end of the day if someone hits you and you haven't declared it then your insurance claim is going to be VOID!! and then you have lost out and your lovely smart looking motor is worth nothing to you but is worth 100's to a scrapy if you carn't fix it yourself as they will sell the parts and make a woppin profit!!

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#90548 - 16th Nov 2004 2:30pm Re: Modifications on Insurance.
rossi-foci Offline
Smartchild

Registered: 4th Oct 2004
Posts: 467
Loc: Wirral
definately mate. some silly silly silly woman (put as nicely as i can) whacked into my car as she opened her car door as i was driving past yesterday! done in my whole front wing and bumper! Gunna take my induction kit off when i send it in, then call up and declare it when i get the car back! tease

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#90549 - 16th Nov 2004 3:02pm Re: Modifications on Insurance.
Cali_16v Offline
Wiki Guide

Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
I can give you some pointers on insurance as ive been doing it for some time now. just send us a pm
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#90550 - 16th Nov 2004 5:22pm Re: Modifications on Insurance.
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21090
Loc: Wirral
Quote:
Originally posted by daz106:
I can give you some pointers on insurance as ive been doing it for some time now. just send us a pm
Tell us all in a general way Daz106 learn
I'm sure any advice would be appreciated.
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#90551 - 16th Nov 2004 6:25pm Re: Modifications on Insurance.
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
Quote:
Originally posted by rossi-foci:
definately mate. some silly silly silly woman (put as nicely as i can) whacked into my car as she opened her car door as i was driving past yesterday! done in my whole front wing and bumper! Gunna take my induction kit off when i send it in, then call up and declare it when i get the car back! tease
Sounds like a job for one of Cruisewirral's Sponsers RMNJ Solisitors Specilising in accident claims mate happy

=================================================
Secondly, I am so so lucky as i have a Motor Trade Policy therefore i do NOT have to declare my modifications happy Just dont ask how much my policy costs as it will shock you, it brings me to tears every re-newal.

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#90552 - 16th Nov 2004 6:42pm Re: Modifications on Insurance.
lazy_ben Offline
Wise One

Registered: 5th Jan 2004
Posts: 868
Loc: Moreton
Quote:
Originally posted by Scooby:
[qb] Just dont ask how much my policy costs as it will shock you, it brings me to tears every re-newal.
It cant be that bad. I pay over a grand for fully comp insurance on my ka. Now that almost brings me to tears.....
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#90553 - 16th Nov 2004 6:45pm Re: Modifications on Insurance.
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
Lol, Your a lucky man then arnt you, try multiplying your premium by nearly 5 times and you will be close mate smack smack smack smack smack

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#90554 - 16th Nov 2004 6:54pm Re: Modifications on Insurance.
lazy_ben Offline
Wise One

Registered: 5th Jan 2004
Posts: 868
Loc: Moreton
Quote:
Originally posted by Scooby:
[b]Lol, Your a lucky man then arnt you, try multiplying your premium by nearly 5 times and you will be close mate smack smack smack smack smack [/b]
Yeah okay, a 5k insurance bill does suck. But you get to drive a 400bhp scooby to work every day. I get to drive 60bhp Ka tease
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