Insurance & Mods

[rclio1416]

what mods do u have to tell ur insurance company about .

is it just things that affect the performance or is it lots of different things

 

[TheCake]

Anything that it didnt keave the factory with.

 

[Has]

yup pretty much everythign you do to it

otherwise u run the risk of problems durign payout

 

[rclio1416]

so even things like lexus lights,

u just gotta ring em up and tell em

 

[Da]

yep ring them, but be warned depending on your age and the company your with they can refuse to allow you to mod your car!

 

[nobblebonce]

I WAS TOLD COLOUR CODING AND CHASING THE LIGHTS DOESNT AFFECT THE POLICY

 

[Has]

^^^ yup even lexus lights

and Daz is right

they can refuse insurance if ur age isnt to good or policy doesnt allow mods

 

[Has]

Quote: Originally posted by nobblebonce on 07 April 2005


I WAS TOLD COLOUR CODING AND CHASING THE LIGHTS DOESNT AFFECT THE POLICY

yes maybe on ur policy but others may not have this advantage/luck

 

[rclio1416]

oh i thought lexus lights wouldnt need to be submitted to insurance company,

thanks for ur input guys

 

[rclio1416]

im with tesco insurance, does anyone knowif they allow mods, cos everyones always told me its just things like alloys and induc kits that need submitting to insurance companys.

any exterior lighting they said u shouldnt have to submit

 

[Has]

im with Tesco myself

and yes they allow mods.

They didnt charge me much for mine.

Rign them up and tell them wot you have done/doing to the car then they will recalculate your policy weather or not it will go up.

 

[badinvincible]

Quote: Originally posted by rclio1416 on 07 April 2005


im with tesco insurance, does anyone knowif they allow mods, cos everyones always told me its just things like alloys and induc kits that need submitting to insurance companys.

any exterior lighting they said u shouldnt have to submit

With Tescos, I was told you had to be over 25 to allow mods.

 

[Has]

and yes you tell them everything basicly.

E.G.

You color code your door strips, if you crash it will cost them more to replace them.

or may not pay out as you have colour coded them (yes stupid i know but it happens)

 

[Has]

Quote: Originally posted by badinvincible on 07 April 2005

Quote: Originally posted by rclio1416 on 07 April 2005


im with tesco insurance, does anyone knowif they allow mods, cos everyones always told me its just things like alloys and induc kits that need submitting to insurance companys.

any exterior lighting they said u shouldnt have to submit

With Tescos, I was told you had to be over 25 to allow mods.

im 21 and have plenty of mods with them declared

 

[rclio1416]

cool, thanks a lot guys, much appreciated to get lots of views and facts, may have to think about my mods now then lol,

cheers

 

[Has]

yer deff worth gettign all the info you can.

Its a pain but insurance has to be done, and you might as well do it properly otherwise not have it at all tbh

 

[rclio1416]

yeah ur right

cheers mate

 

[mandy007]

everything has to be declared but they dont always charge for mods ,some companies dont add anything on for lexus lights but some do well thats what it says in this months maxpower.

 

[Neil82]

Only cost me 22£ to add a filter to my car, and about £50 pound for the exhaust system (im with Elephant)

 

[badinvincible]

Quote: Originally posted by Has on 07 April 2005

Quote: Originally posted by badinvincible on 07 April 2005

Quote: Originally posted by rclio1416 on 07 April 2005


im with tesco insurance, does anyone knowif they allow mods, cos everyones always told me its just things like alloys and induc kits that need submitting to insurance companys.

any exterior lighting they said u shouldnt have to submit

With Tescos, I was told you had to be over 25 to allow mods.

im 21 and have plenty of mods with them declared

Hmm.... strange.

 

[Deeg]

I think the allowing mods depends alot on the individual driver.

When I was with Direct Line at 18, they would allow me to put alloys on my car, then when I turned 19 (and had had a crash) they decided I had to be 25.

As for declaring, I would declare anything that changes your car, just isnt worth the hassle. Insurance companies are in the game to make money, they dont make money by paying out for claims, therefore do their upmost to avoid it, that includes looking at every minor detail of the car.

If youre unsure, phone them and say you are thinking about doing something, if it changes your premium, you either have to pay it or not do it.

 

[Has]

Quote: Originally posted by Deeg on 08 April 2005


I think the allowing mods depends alot on the individual driver.

When I was with Direct Line at 18, they would allow me to put alloys on my car, then when I turned 19 (and had had a crash) they decided I had to be 25.

As for declaring, I would declare anything that changes your car, just isnt worth the hassle. Insurance companies are in the game to make money, they dont make money by paying out for claims, therefore do their upmost to avoid it, that includes looking at every minor detail of the car.

If youre unsure, phone them and say you are thinking about doing something, if it changes your premium, you either have to pay it or not do it.

so true

 

[jamieswales]

i work for tescos insurance and you do have to be 25 now to insure mods, butif you already have a policy with themthey will renew it for you with the mods