Mods and Insurance

[gsmgregg]

hi

just woundering if i declare my mods tot he insurance company will it increase , and do have to declare extrior mods



i Have



Cup rear spoiler

172 Rear Bumper

Colour coded side strips

And alloy wheels



Thanks a lot



Gregg

 

[Mitchy]

Id very much doubt the bodywork making an increase.

Alloys will though.

 

[gsmgregg]

hi

the alloys are not standard on my car but , they are normal renault alloys so they look standard , is it best to phone up and tell them about the bodywork mods im with liverpool vic



Gregg

 

[myky16]

well when i asked if the std alloys no extra charge if they ren alloys from other model or spec little increase and if aftermarket alloys then little bit more of an increase, i aint declared mine and have no intention of doing so

 

[riplash]

From what I can gather from info on the forums in the past, Liverpool Victoria are very accomodating for mods, wont push up your premium too much (if at all), and will cover like for like (meaning theyll replace the new parts should the worst happen).

Give them a bell!

 

[Mitchy]

Can only comment for tescos. My car had gold alloys, high rise spoier and recently got windows tinted.

Phoned tesco to tell them and they werent really interested. Noted it down and said no price increase in premium so i was happy.

If you bought the car 2nd hand, you can argue thats the way it was when you bought it and never realised them as mods as they are reno fitment.

 

[pro1]

direct line / tesco dont insure you if you mod unless your over 25?

 

[peter182]

Anything you do to your car you should tell them and it will make a difference wot ever you do?

 

[Jon1978]

When I put my 17"s on my old 1.2, I had to pay a £30 supplement. Exhausts, bodywork, tints, and things like that will add more normally. They certainly do with Renault.

 

[april]

Mine is the old Renault (Privilege) insurance and they told me my tints, lowering, side skirts (when I get them), lexus lights will make no difference to my premium. But my alloys would be another £40 per year covering up to £1000 of alloys.