Mods
- Thread starter Alfonze
- Start date
superls
K10 Tuner
well im with quinn direct and when i spoke to them yesterday about my suspension and bodykit, aparently i didnt have to declare my kit as it isnt 'proformance enhancing'
the lass on the phone told me stuff like bodykits, tints, interia, wheels, etc dont have to be declared unless they raise the value of the car that you stated to them when you took out your policy.
hope it helps
the lass on the phone told me stuff like bodykits, tints, interia, wheels, etc dont have to be declared unless they raise the value of the car that you stated to them when you took out your policy.
hope it helps
OP
OP
Alfonze
Ex. Club Member
Will that air cone filter need to be declared as all it does is make it sound louder, dont increase BHP as far as I know. Alloys may raise the cars value a bit not much so I might not even bother declaring them as there not performance mods. Same car just looks nicer.
superls
K10 Tuner
well thaqts with quinn so prob still best to callthem but mine has a stated value of 2k, so on a 300 squid car a bodykit isnt going to push it over 2k is it lol.
what she told me was things that make ur carlook 'nicer' dont have to be declared providing it doesnt raise the value, but all proformance enhancing parts do, even tho when i said it was lowewd and is classed as a proformance enhancing mod, it didnt increase my premium.
what she told me was things that make ur carlook 'nicer' dont have to be declared providing it doesnt raise the value, but all proformance enhancing parts do, even tho when i said it was lowewd and is classed as a proformance enhancing mod, it didnt increase my premium.
id declared the alloys if i were u as they make it tons more stealable!
danimicra8
BabyBlueK11
I rang around for insurance today and several wont insure because of the air filter... I was more than a little peed off. fair enough if it was a nitrous turbocharger thingy but for an air filter? Apparently its a performance modification/engine modification so they wont insure you.
A lot of places won't insure 'performance' mods if they estimate the gains to be over a certain bhp. Tesco asked me the value of each modification and the gain they gave.
Alloys are fine if they're lower than £200
Exhausts/air filters etc all fine if they don't gain over 5bhp
You won't need to declare any nissan alloys as they could have been fitted from factory - The same for any body kits or spoilers that may have rolled out off factory floor.
If you have any doubts though, ask your provider on what they do and don't cover.
Alloys are fine if they're lower than £200
Exhausts/air filters etc all fine if they don't gain over 5bhp
You won't need to declare any nissan alloys as they could have been fitted from factory - The same for any body kits or spoilers that may have rolled out off factory floor.
If you have any doubts though, ask your provider on what they do and don't cover.
Robb
Site Supporter
If you paid less than a few grand for the car i wouldnt bother for minor things if it increases your premium. If you crash theyll try n screw u anyway 
Your insurance provider will know ALL about your car in the event of a claim though so if you replace the steelies with micra alloys they will know about it. And they will probably kick up a fuss about it in the event of a claim. Well, Direct Line would, the b**tards.
Your insurance provider will know ALL about your car in the event of a claim though so if you replace the steelies with micra alloys they will know about it. And they will probably kick up a fuss about it in the event of a claim. Well, Direct Line would, the b**tards.
Alienfish360
Awesome Dawson
With performance mods, the insurance will still pay out a claim, but if they can prove the mod was a contributing factor to the accident then they will take you to court to cover their payments.
With visual mods, kits, tints, alloys, ice, etc. They all will affect your insurance as it makes it more desirable to theifs.
With visual mods, kits, tints, alloys, ice, etc. They all will affect your insurance as it makes it more desirable to theifs.
OP
OP
Alfonze
Ex. Club Member
Lol I wish £70 a year a aditional £420 till the remaining of my policy. which ends in July
Alienfish360
Awesome Dawson
You should get insurance quotes before doing the modifications
Micra 110
Site Supporter
Would having a Strut brace constitute being a MOD? What about better Brakes?
It makes the Car handle a lot better than before therefore being safer to drive or would the Insurance company take the view that because it makes the car handle better and stops better that it means that i'd drive my 20 year old car like i stole it? :laugh:
I've never declared mods like Air filters, what's the point? If the Car has some expensive wheels on then yes i would declare them and real power MODs like Turbos, Superchargers and NOS and Posh ICE installs would also be declared. Changing the Air filter will not make a lot of difference in power, it'll make the Car breath easier but unless there's an Exhaust to back it up.......
You have to give these Insurance companies some credit in the way they get their Business. you tell them your Car is Cat-1 Alarmed, Garaged, in a catagory 2 area (low car crime rate) driven less than 3000 miles a year by a 40 yr old with no claims for over 10 years they STILL take the p*ss by quoting over £400 fully comp! :suspect:
My mind boggles.......:laugh:
It makes the Car handle a lot better than before therefore being safer to drive or would the Insurance company take the view that because it makes the car handle better and stops better that it means that i'd drive my 20 year old car like i stole it? :laugh:
I've never declared mods like Air filters, what's the point? If the Car has some expensive wheels on then yes i would declare them and real power MODs like Turbos, Superchargers and NOS and Posh ICE installs would also be declared. Changing the Air filter will not make a lot of difference in power, it'll make the Car breath easier but unless there's an Exhaust to back it up.......
You have to give these Insurance companies some credit in the way they get their Business. you tell them your Car is Cat-1 Alarmed, Garaged, in a catagory 2 area (low car crime rate) driven less than 3000 miles a year by a 40 yr old with no claims for over 10 years they STILL take the p*ss by quoting over £400 fully comp! :suspect:
My mind boggles.......:laugh:
