Honest opinions needed on this mod. Genuine answers please chaps.

[AlexCarter]

Right, age old discussion yada yada yada.

Phoned insurance to ask about mods. Asked for a quote on tinted windows, sportex exhaust, wheel colour change, 172 bumper and coilovers.

Bearing in mind my premium was £2257 in October last year, they wanted an additional...


£6254.

After much laughter with the lady on the other end it turns out the bumper was causing the huge 6 grand extra, and everything but the bumper would be about £270. Not too bad I thought. So my question is, do I really NEED to declare the 172 bumper? I told her it was from a different Clio, and was near identical. Would they really kick up a fuss in the event of (touch wood), a claim?

 

[JAParker]

doubt anyone would notice.

 

[George182]

Take the mods off - ALL of them.

Its pointless spending that kind of money to make a clio look different.

 

[Chip-mk1]

You have just explained to us all that your insurance company feel so strongly about the bumper that they have added 6K to the quote, so I think that answers the question about how they will feel over a claim with it fitted.

Also be aware calls for quotes are recorded and that information is shared between insurers, so if you try and insure someone else without declaring it and are later going to try and plead ignorance in court while trying to get them to still pay out, that they might happen across that recording.

 

[AlexCarter]

doubt anyone would notice.

Take the mods off - ALL of them.

Its pointless spending that kind of money to make a clio look different.

You have just explained to us all that your insurance company feel so strongly about the bumper that they have added 6K to the quote, so I think that answers the question about how they will feel over a claim with it fitted.

Also be aware calls for quotes are recorded and that information is shared between insurers, so if you try and insure someone else without declaring it and are later going to try and plead ignorance in court while trying to get them to still pay out, that they might happen across that recording.

The only mod I can't be bothered to deal with removing are the tints, and that on it's own was their smallest fee. Something like £20. So I'll probably leave that on, remove everything else, and declare the tints.

Christ this is depressing, all this time spent doing things only for it to have to come off. But yeah that's my own ignorant fault for not thinking of insurance.

Hello standard boring Clio..

 

[George182]

Save your pennies, wait a few years and then treat yourself to something nice!

We have all been there mate

 

[LiamR172]

Flol at 6k charge for changing the bumper. Seriously is insane!!

 

[AlexCarter]

Save your pennies, wait a few years and then treat yourself to something nice!

We have all been there mate

Sucks complete arse though! I used to drift when I was about 15 so modding that car was my way of quenching that petrolhead thirst.


Mmmhmmm.

 

[Chip-mk1]

Flol at 6k charge for changing the bumper. Seriously is insane!!

It probably was a different underwriter, the first one probably didnt do body modifications so when the broker requoted with the bumper they had to use someone else who does but then wasnt anywhere near competitive for a young driver.

 

[DAN@ADRIAN FLUX]

Right, age old discussion yada yada yada.

Phoned insurance to ask about mods. Asked for a quote on tinted windows, sportex exhaust, wheel colour change, 172 bumper and coilovers.

Bearing in mind my premium was £2257 in October last year, they wanted an additional...


£6254.

After much laughter with the lady on the other end it turns out the bumper was causing the huge 6 grand extra, and everything but the bumper would be about £270. Not too bad I thought. So my question is, do I really NEED to declare the 172 bumper? I told her it was from a different Clio, and was near identical. Would they really kick up a fuss in the event of (touch wood), a claim?

Hi,
If you need any assistance with insurance at all please feel free to drop me a line.
Regards,
Dan.

 

[AdDaMan]

They would NEVER know.

 

[Inequality Street]

You drive a clo, its a clio bumper. Whats the problem?

Pretty sure if my Nan bought a clio that had a sport bumper, she wouldnt have a clue so obviously wouldnt declare it.

 

[Ray Gin]

What difference does it make if it's a clio bumper or not? It's not the bumper which was originally on the car.

If you crash with a non declared 172 bumper fitted you will get sweet f*ck all in terms of a payout. FACT.

 

[cat171]

£2200 a year, before mods, on a 1.2 Clio - ouch!!!

 

[AdDaMan]

What difference does it make if it's a clio bumper or not? It's not the bumper which was originally on the car.

If you crash with a non declared 172 bumper fitted you will get sweet f*ck all in terms of a payout. FACT.

FACT. LOL
Has it happened to you? No> didnt think so...

Its not fact.
What is a fact is that no insurance company would EVER know weather it was a standard bumper or a 172 bumper.

 

[Ray Gin]

You're seriously retarded and extremely naive. OP, go for it. Let us know how you get on.

 

[George182]

FACT. LOL
Has it happened to you? No> didnt think so...

Its not fact.
What is a fact is that no insurance company would EVER know weather it was a standard bumper or a 172 bumper.

You can't prove that LOL

 

[AdDaMan]

You're seriously retarded and extremely naive. OP, go for it. Let us know how you get on.

No, i am neither. Have i had first hand experience, yes.
Have you? no.

 

[Ray Gin]

No, i am neither. Have i had first hand experience, yes.
Have you? no.

So you're saying a company, which specialises in insuring cars, wouldn't know whether a particular bumper was a standard, factory fitted item or not? What planet do you live on? Of course they would know.

Jesus H! How stupid are people these days?!

 

[AdDaMan]

HAHAHAHAHAHAHAHA....

Jesus H! How stupid are people these days?!

My thoughts exactly...

 

[Rob]

I'm with Ad.

They'd never notice.

If you fitted a max power rear bumper, sure, but one off of a 172? The guy would have be a CS member himself to notice it ffs.

 

[Ray Gin]

Sorry Rob, you're wrong. They would know. Then again I don't have "first hand experience" like 'addaman' has.

If it's not a factory fitted item, it has to be declared. It really, really, is that simple.

Plus, insurance companies will try EVERY trick in the book to get out of a payout.

 

[Dan...]

I'm with Ad.

They'd never notice.

If you fitted a max power rear bumper, sure, but one off of a 172? The guy would have be a CS member himself to notice it ffs.

This.

Forgive me if I'm being naive, but how could the insures possibly know every single car part, on every single type of make & model of car to decide if ia part is standard or not??

They would have to know clio's to know its a different bumper surely?

 

[AdDaMan]

lol, why are you arguing? Just for the sake of it? You literally live on another planet if you think that anyone from any insurance company would know the difference between a clio V6 and a f**king 1.2 let alone a bumper change that subtle.
Ho much time do you think they get to check a car over and move on? They dont do forensics and then get on the forums and find out if each and every panel and suspension component is standard you muppet. Jesus.

 

[JCC]

They might notice.

They might notice because you've mentioned it to them and it's noted on their system now, so they may make a point of making their engineer check if they have to send one out. You can't say for certain they wouldn't.

As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.

 

[Rob]

They might notice.

They might notice because you've mentioned it to them and it's noted on their system now, so they may make a point of making their engineer check if they have to send one out. You can't say for certain they wouldn't.


As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.

I'd agree with that, and I'd also not fit it now because you've asked. If you'd not said a word, I mean, how were you to know that's not the correct bumper.

JCC, I find that last sentence a little hard to believe. What if dorris bought a clio, and someone had fitted megane wheels to it? Would she get no pay out even though she had no idea? Does that imply that everyone should have a full vehicle inspection done before insuring it?

 

[Ray Gin]

As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.

I've known a lad that had his Bora reversed into by a delivery truck many years ago, battered the whole side of his car, his insurance wouldn't pay out because the front bumper/splitter or whatever wasn't a standard item on whatever spec he had.

 

[Rob]

I've known a lad that had his Bora reversed into by a delivery truck many years ago, battered the whole side of his car, his insurance wouldn't pay out because the front bumper/splitter or whatever wasn't a standard item on whatever spec he had.

Well that's funny, because surely it wouldn't be his insurance paying a penny?

 

[Chapster5]

Remember to declare any stickers to! Even if they are dealership stickers insurance companies have to know!

 

[McGherkin]

I'm with the one with the green name tbh.

 

[Ray Gin]

Well that's funny, because surely it wouldn't be his insurance paying a penny?

I don't know the ins and outs of the situation as I'm not friends with him, it's just someone that I 'know'. The jist of it is that whatever problems he encountered was due to him not declaring a particular part.

 

[Inequality Street]

Any Modifications? 'None that I know of, looks like a normal Clio to me, seen lots like it'

 

[AdDaMan]

Exactly.
My first car i had a Glanza, all i ahd declared were the 2 most obvious things, alloys and exhaust. Nothing else.
It had seats, induction, suspension, BCC, actuator etc...
Wrote it off and had it inspected. They said nothing and gave me the £6500. Granted this was a fair while ago now but the fact remains.

 

[Rob]

I don't know the ins and outs of the situation as I'm not friends with him, it's just someone that I 'know'. The jist of it is that whatever problems he encountered was due to him not declaring a particular part.

And there you've said it.

You've basically pulled something out of the rumour mill with no real world knowledge of it.

In both of my insurance cases, not a single buggery was given about any bits and bobs on the car. I'm also pretty sure Ad works/worked within insurance?

I'm glad you're internet/rumour based opinion is 100% correct though, making us retarded.

 

[clioben182]

I used to have a 1.2 clio. I put 182 grille on it, lowered it 30mm and put 182 wheels on it. (all in all 10 bhp ) I didnt declare the mods then accidently wrapped it round a lampost. Rear axle ripped out the floor extensive body damage bent shell and all airbags went off, 182 wheels nackered along with the tyres. Luckily I was ok, I had kept my nice new shiny clean standard wheels and springs. I put the standard wheels and springs on and then the assesor came out took one look at it and said yea its knackered! Didnt spot the new clean wheels and tyres (although the car was covered in crap and looked out of place) neither did he spot the rs grille.

 

[JCC]

JCC, I find that last sentence a little hard to believe. What if dorris bought a clio, and someone had fitted megane wheels to it? Would she get no pay out even though she had no idea? Does that imply that everyone should have a full vehicle inspection done before insuring it?

This is the thing, there are probably thousands of cars on the road technically uninsured (think options lists on BMWs, Mercs etc) due to their owners being unaware, but as we know if insurance companies see a way out of spending money they will take it.

The lad who owned the Polo I mentioned only had it a few months and had bought it like that from a main dealer and was unaware, made no difference to a jobsworth assessor having a bad day. As I said, you may get away with it, you may not, it's a chance you take.

 

[Munson]

Well that's funny, because surely it wouldn't be his insurance paying a penny?

I could be wildly incorrect, but as far as I know, it's always your insurer who pays out, and then invoices the third party insurer. If that's the case, then having Jenson Button's rear wing bolted to the back of your 1.2 Clio probably won't wash. Regardless of who is at fault?

Either way, this thread is funny. Talk about a snail trail to jail. Jesus.

 

[Ray Gin]

And there you've said it.

You've basically pulled something out of the rumour mill with no real world knowledge of it.

In both of my insurance cases, not a single buggery was given about any bits and bobs on the car. I'm also pretty sure Ad works/worked within insurance.

I'm glad you're internet/rumour based opinion is 100% correct though, making us retarded.

Oh shut up you tart, it wasn't something I'd randomly picked out of the 'rumour mill' this thread reminded me of something which was relevant, the point still stands that he had issues due to a non declared part!

Also, your*

 

[TheEvilGiraffe]

If it's a front one, it'll need wings too or it'll look daft .. also then you'll need a wider track as the wheels won't stick out far enough.

3 people on this site might notice in a photo. No one on the street will notice or care. It won't make the car any faster or IMO look any better. 1.2s still look like 1.2s unless a full conversion is done on the body work .. then there's still probably a sunroof giving it away. They also still go like 1.2s as .. well...... I'll let you work that one out.

Total waste of money IMHO.

 

[Rob]

I used to have a 1.2 clio. I put 182 grille on it, lowered it 30mm and put 182 wheels on it. (all in all 10 bhp ) I didnt declare the mods then accidently wrapped it round a lampost. Rear axle ripped out the floor extensive body damage bent shell and all airbags went off, 182 wheels nackered along with the tyres. Luckily I was ok, I had kept my nice new shiny clean standard wheels and springs. I put the standard wheels and springs on and then the assesor came out took one look at it and said yea its knackered! Didnt spot the new clean wheels and tyres (although the car was covered in crap and looked out of place) neither did he spot the rs grille.

This is the one that gets me, I just don't get it, other than if it got stollen (desirability), your different styled grille makes no difference to your car. Same as a bumper.

Wheels, sure, they can affect handling with widths and sizes, headlights, springs, all items that affect things. I'd always insure springs/non OEM different sized wheels/anything proper.