Insurance and mods?

[Black9]

Bit of a grey area, I’ve got a C63 which is stock but has the forged wheels from the upper model ( edition 507 ) and calipers painted green rather than stock silver. Would this count as a mod and possible invalidate my insurance?

[chigmuss]

Very likely. Declare them, it may not affect your premium much if at all, but for the sake of a few pound worth it to negate a claim being rejected. (How often that happens I'm not sure though)

[m1keh]

Some insurers want winter tyres declaring, so a wheel change I would at least let them know.

[colesey]

I can imagine that any change from stock would be regarded as a mod and is best disclosed. Some insurers like Greenlight don’t charge extra for changes to wheels / brakes / suspension.

[Andy]

if it didnt come from factory like that then its a mod your insurance company should known about

[Bazgti]

I find it unlikely that any assesor from an insurance company would know that your alloys are from the model above unless you told them. Id also argue that if a modification was made by the previous owner and you didnt declare it cos you was unaware of it. The insurance wpuld struggle to legally invalidate your insurance. Cars have that mpney options and upgrades these days. Its surely impossible to define factory fit and modification to an assesor unless it was absolutely noticeable like a body kit etc

[pudding]

Don't underestimate the lengths some insurers will go to to wriggle out of a claim, but I agree, it's difficult for them to prove you were ignorant about the car's spec at the time of purchase.......although Black9 has shot himself in the foot should insurers frequent forums to look for evidence 

[petem86]

id imagine let them know, the difference between standard and s2 for my golf was 30 quid with flux