corsajay88
Member
Registered: 22nd Aug 11
Location: Upton, Cheshire
User status: Offline
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I was on the phone to my insurer this morning to declare my alloys and suspension, the women on the phone said it was fine it wont affect my premium but the mods wont be covered by insurance. So.if it got stolen or i had an accident they would be replaced by standard parts.
Is this right?
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Jed D
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Registered: 15th Mar 11
Location: Durham
User status: Offline
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doesn't sound rite
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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If the premium doesn't increase i can see their point as you've not been charged for the mods.
But if the premium increased, due to the mods. Then i'd expect them to cover the mods.
[Edited on 25-01-2012 by johnhara1]
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Jed D
Member
Registered: 15th Mar 11
Location: Durham
User status: Offline
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wouldn't it make the insurance invalid though?
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corsajay88
Member
Registered: 22nd Aug 11
Location: Upton, Cheshire
User status: Offline
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Thats what im trying to find out, imo they are aware of the mods im doing so they are declaredbut wouldnt be paid for in the event of an accident just trying to prevent any problems
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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get them to confirm the mods in a letter and keep it with your policy.
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corsa-torque
Member
Registered: 15th Mar 11
User status: Offline
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yeah sounds right to me,
Basically, if you crash or get hit and they no nothing about your wheels ect then they can deem your insurance invalid and refuse to pay out.
whereas if they have been declared then your covered in the event of an accident, although if your wheels etc are damaged they will only replace with standard O.E spec.
Most insurance companies work this way, if you want your modifications covered in the event of an accident you will have to pay for the privilage via a specialised insurer.
I use Adrian Flux...
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dragon2309
Member
Registered: 1st Mar 09
Location: Strood, Kent
User status: Offline
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If they are aware of the mods, and are insuring your car with those mods, then its all legit, its up to them if and how much extra they charge you, and its up to them if they want to include them in any claims.
It's legit, just not very common.
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corsajay88
Member
Registered: 22nd Aug 11
Location: Upton, Cheshire
User status: Offline
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Ok thanks for clearing that up, it seemed a bit strange to me as well. Hence this thread
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edd1.0
Member
Registered: 17th Sep 08
Location: kettering
User status: Offline
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what company are you with ? i could do with a policy like this to keep my premium down
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corsajay88
Member
Registered: 22nd Aug 11
Location: Upton, Cheshire
User status: Offline
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quote:
Originally posted by johnhara1
get them to confirm the mods in a letter and keep it with your policy.
This sounds like the most sensible thing to do. I made sure she put a note on my file of what id done. Ive only got a month left on my policy.
Im with vauxhall insurance.
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samole
Member
Registered: 11th Aug 10
Location: Altrincham
User status: Offline
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This is what most insurance companies do. You can list your mods, so in the event of a crash, you are covered and insurance is vailid etc. However if your mods are damaged, they will replace for standard parts. Would still get a letter or email to confim though.
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