Declaring Mods on Insurance

How many of you actually declare all your modifications?
I've noticed from quotes that it brings your insurance up by a considerable amount and I just wondered how much risk are you at by running a car with mods that aren't declared.

Same risk as running without insurance, i know a few people on here do but its entirely up to you

few years back now i had a induction kit on brand new car and like week later basic wrote it off and insurance werent going to pay out like 10 grand for a week old car cos i never declared my 100 or summit quid induction kit i finally got them to pay out after few letters blagging them saying i did it for better air intake and all this carry on but i learnt my lesson if only summit minor just keep spanner in car haha or if you gone to major extreams strip car down to as near standard as possible before claim haha

I'd ring up first see how much it going to increase by. When I did mine it was only 50 quid on top of my original insurance quote

If you buy a standard car, keep all the bits and if I gets a whack replace them all wink wink lol

For first insurance young drivers (that makes me sound so old lol) telling insurnce puts it up depending who you insure with,

Suspension I would tell them, wheels I would tell them, induction kit is a easy put back to standard and I woundnt tell them about that and everything else is standard for me and staying like it wink
Wink

Yeah, i declared my suspension, and will declare wheels when i get some but i didnt bother with my audio stuff or other little bits and bobs main stuff is worth it though.

cheers guys, they are sort of the replies i expected
and i know i'm probably being picky but what about seats? Also does anyone have past experience with admiral and declaring mods for some background info? cheers

I'm with admiral now, when I had my seat lowered and alloys fitted was an extra 50 quid on top of qoute , which was good, but mite go on how long you bin driving aswell, as an insurerer there good in my eyes. I'm on multi car with mum and brother so that's makes it cheaper too

Having worked for a insurance company for 2 years I would reccomend declaring everything as when it comes to crashes your fucked if you haven't declared it. They will void a claim over anything. Of your stopped by the police they can't check if you have declared mods anyway at the scene. They have to fax a DPA sheet to you'r insurance to check anything other than if your insured. If they do find any other details they have broke the law.

admeral are awesome it's just a shame oscar can only be lowered by 49mm haha! orr as the woman on the phone thought I meant 490cm!

Don't worry about seats and i can't beleave that they want to know about bumpers!! the bumpers dont make you go quicker!!

As said before its just like driving without insurance, obviously some things you can get away with it. You even have to declare stickers nowadays!

Basically there is no point I've never declared anything as even putting a headunit in is an insurance void so what's the point they won't pay out over anything because they are robbing b*stards

Totally agree

Tbh my Arosa was standard expect head unit, sub and amp and door speakers, not declared. They didnt even look at the car and i stripped it when i got chance, went to the scrappy with nothing wired up and no speakers in the door So you probably will get away with audio, unless obviously the audio gear is stolen.

If they want to be picky they will be .. I.e. if you left a few quid in the coin tray and some smack rat broke in for it then they would probably say it was your fault for leaving it in the car ha

lol

If you do shows always worth it as some insurance companies do send people out to check these things or they did back in day

when I was running quotes for next August on the polo using compare the market I ticked wider wheels and suspension changes and it knocked about £300 off! probably a different story on the phone mind

will be declaring all my mods when fitted to the ibiza, have been driving for 6yrs now also will have 5yrs no claims in january 2013 as well as been in a crash that wasnt my fault. got wiped out by x5 on a roundabout 4yrs ago in my vw lupo that scared the life out of me.

if it didnt come out of the factory with it then its classed as a mod

they want to know about bumpers and stuff as it makes it more desirable to car theives

trust me i have been there

Adrian Flux insure any mods (visual or altering cars appearance hold NO additional premium) Where engine mods do. I asked about a full induction kit on mine as i like the noise and it would cost me an extra £4 a year with them........

whats the situation with steels? was thinking of going down the banded steels route to lower my insurance premiums.. do they class as alloy wheels?

They shouldn't do as there made out of steel, not alloy

Arosaproject wrote:

They shouldn't do as there made out of steel, not alloy

Excuse my stupidity