CIS Insurance

[donsrno1]

What are CIS insurance like for mods?

I posted this up while ago and I think that the response was that they are OK with cosmetic mods but they put your premium up for power mods.

I phoned them about 10 minutes ago but the guy said that they have to check with someone for each modification and because they are so busy with it being a bank holiday today he couldnt check today. He said that he thought cosmetic modifications shouldnt make a difference though. Does anyone have any experience with CIS and insuring modifications and if so what do they class as cosmetic mods? Do you think I could lower it, put alloys on and a back box with no increase in premium?

Thanks,

Dave.

 

[Middo]

Im with CIS. Ive declared a grille, alloys, induction kit, exhaust and all of which have had no impact on premium.

However when i put my sideskirts on they classed it as a bodykit and put the premium up about £55 for the year.

I rung them further to this and they said that because i had paid the bodykit premium i could do whatever i want without impact on the premium as long as it wasnt an engine transplant / excessive engine tuning.

Important to note that they dont underwrite the value of your mods, only accept them on the policy. If you want them to be underwritten you have to declare (and prove) the value and then they increase the premium accordingly.

 

[Has]

^^^^ yup very true.

Also note, that if u geta producer, you have to proove that your mods are covered on the policy. IIRC CIS dotn actually print and send them to you?

mite be worth asking them about this.

To be Sure.

 

[BRUN]

ive had quite a few producers and never had to prove anything about my mods being covered

 

[Has]

Quote: Originally posted by BRUN on 31 May 2005

ive had quite a few producers and never had to prove anything about my mods being covered

Fair enough

just from wot i had, andwot ive read thaught they checked to see if mods were covered.

 

[Middo]

Quote: Originally posted by Has on 31 May 2005


^^^^ yup very true.

Also note, that if u geta producer, you have to proove that your mods are covered on the policy. IIRC CIS dotn actually print and send them to you?

mite be worth asking them about this.

To be Sure.





when i had to pay extra for my sideskirts i was issued with a new certificate of insurance. all the other times it has simply been noted at their end.

 

[Has]

ah right thats cool

just thaught id bring it up incase it had to be done or so.

as Tesco send me a new document listignall my mods anytimei update it. After speaking to them iwastold its the only "proof" you have that you declared all your mods hey?

 

[Middo]

if i write to them i always get a letter back to say the mods have been declared. otherwise i get email confirmation

 

[Has]

sweet

i was gonna go with them, but they were drasticly waaay out on price£711 with Tesco

or £2180 with CIS, hmmmmm somethign not right there!