Insurance and modifications

[yellowbelly]

Do insurance companies class any different/not original part as a modification?
For example: you have a Clio 172/182 and put a set of Turini's on it, is that a modification? I am assuming they would say yes it is!???? But potentially it couls have been an optional extra?

 

[Beef-Mc]

Some companies class optional extras as modifications that need to be declared.

 

[JackJack]

Some companies class optional extras as modifications that need to be declared.

^This, it varies between companies.

 

[skyinsurance]

Do insurance companies class any different/not original part as a modification?
For example: you have a Clio 172/182 and put a set of Turini's on it, is that a modification? I am assuming they would say yes it is!???? But potentially it couls have been an optional extra?

Insurers need to know about any changes made to the vehicle from when it left the factory. Insurers systems more will not pick up all optional extras.

 

[Silent_Scone]

PLENTY of threads that cover this.


Sod knows why as it's common sense

 

[Goodj]

is it different to how it rolled off the production line?

It's a modificaiton

did you have to pay extra for it when it was spec'd up buy the first buyer? Then it's an optional extra.

both of which, insurers like to know about.

 

[Adam.]

is it different to how it rolled off the production line?

Depends how quickly you can change it before the insurance assessor arrives

 

[Goodj]

Or if it's so burnt that you can only tell it's a car because it's not a house.

 

[skyinsurance]

Depends how quickly you can change it before the insurance assessor arrives

How do you plan to go about that when you're hanging out the back of an ambulance?

 

[Adam.]

How do you plan to go about that when you're hanging out the back of an ambulance?

It's not what you know, it's who you know

 

[Goodj]

It's not what you know, it's who you know

 

[skyinsurance]

It's not what you know, it's who you know

You're already friends with the ambulance staff? Friends with the Police's recovery agents?

 

[Darren S]

PLENTY of threads that cover this.


Sod knows why as it's common sense

It can get all a bit silly though. Orange alloys aren't standard from the factory this side of a DS3 or GT3 RS. So you spray them yourself and that becomes a modification to the factory standard - in the strictest sense.

It depends how anal the insurance company in question is.

D.