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Author Topic: Declare those mods, however small.  (Read 6565 times)

Offline E30Dom

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Re: Declare those mods, however small.
« Reply #30 on: July 12, 2011, 07:09:09 pm »
Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:
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Offline vRS Carl

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Re: Declare those mods, however small.
« Reply #31 on: July 12, 2011, 07:16:56 pm »
Quote from: E30Dom on July 12, 2011, 07:09:09 pm
Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:

Better that you pay £145 now than be told your £xxxx car isn't covered in the unfortunate event of an accident.
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Offline E30Dom

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Re: Declare those mods, however small.
« Reply #32 on: July 12, 2011, 07:21:13 pm »
Yeah totally realised that, which is why I always call them before planning to fit anything...

Just shocked that "others" had no adjustment to the premium... might have to look into this anti theft device though...
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Offline vRS Carl

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Re: Declare those mods, however small.
« Reply #33 on: July 12, 2011, 07:49:58 pm »
I think it depends on circumstances as well.

For example some of those who haven't had any changes to premium may have always had high performance cars or cars which have been modified. I have had modified car insurance with Adrian Flux now for nearly 5 years so they know me and my driving record etc. I also have a clean licence and live in a low risk area.
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Offline Hedge

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Re: Declare those mods, however small.
« Reply #34 on: July 12, 2011, 07:59:37 pm »
Does a Prince Albert class as a modification?  :smiley:
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Offline vRS Carl

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Re: Declare those mods, however small.
« Reply #35 on: July 12, 2011, 08:03:46 pm »
Quote from: Hedge on July 12, 2011, 07:59:37 pm
Does a Prince Albert class as a modification?  :smiley:

 :grin: :grin: :grin:

I just nearly spat my drink all over my laptop  :congrats:
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Offline stealthwolf

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Re: Declare those mods, however small.
« Reply #36 on: July 13, 2011, 12:43:21 am »
Quote from: E30Dom on July 12, 2011, 07:09:09 pm
Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:
??? I went to stage 1 last year and it was £50.

What did you tell them your bhp increase was? Remember it's nowhere near what revo say it will be.
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Offline stealthwolf

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Re: Declare those mods, however small.
« Reply #37 on: July 13, 2011, 12:49:39 am »
I've heard of a ridiculous situation where someone had stuck a sticker on the outside of their car. Because it had been modified from factory spec, they didn't pay out.

Things like heated seats etc - if they were optional extras that were fitted at the factory, they don't need to be declared. If they were dealer fitted or otherwise, then they need to be declared.

You don't want to be in a situation where an insurer won't may out, leaving you with a damaged, unroadworthy car, the other party's damaged vehicle and their medical and legal costs. You could easily become bankrupt and lose everything. All because you wanted to save a few bob.

Has anyone ever taken pics of their mods to show their insurers (as proof)? I'm now tempted to do that just so there's no doubt as to what's fitted to the car.
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Offline rich83

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Re: Declare those mods, however small.
« Reply #38 on: July 13, 2011, 01:00:36 am »
Quote from: Hedge on July 12, 2011, 07:59:37 pm
Does a Prince Albert class as a modification?  :smiley:

I think they can lead to pretty serious boost leaks.....
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Offline matsu

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Re: Declare those mods, however small.
« Reply #39 on: July 13, 2011, 08:36:27 am »
this thread has got me thinking i need to update my modding list at greenlight.
they were very fair as i had all my current list ok'd by them before thepolicy commenced.
but ill fire off email with my new extras and a few poss additions by the end of year
good thread
matsu
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Offline Pablos007

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Re: Declare those mods, however small.
« Reply #40 on: July 13, 2011, 09:07:20 am »
Insure mine with Brentacre and premium only increases if power goes over a set threshold (I think my limit is 350bhp).  I give them the updated list of mods each year with no extra charges.  :happy2:
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Offline RedRobin

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Re: Declare those mods, however small.
« Reply #41 on: July 13, 2011, 03:12:47 pm »
Quote from: Saint Steve on July 12, 2011, 03:28:06 pm
Quote from: ILoveTuna on July 12, 2011, 09:35:43 am

Does changing wheels from Monza's to pescaras count as a mod?
 

I would argue that because they are a VW part and could of been fitted to the car prior to you purchasing, so you could plead ignorant in that example.


....Why debate it at all? Declaring both wheel versions adds no more cost to your premium.
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Offline RedRobin

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Re: Declare those mods, however small.
« Reply #42 on: July 13, 2011, 03:16:53 pm »
Quote from: stealthwolf on July 13, 2011, 12:49:39 am

I've heard of a ridiculous situation where someone had stuck a sticker on the outside of their car. Because it had been modified from factory spec, they didn't pay out.


....That does sound ridiculous at first but understandable if the said sticker was placed such that it illegally (MOT) interfered with the driver's visibility.
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Re: Declare those mods, however small.
« Reply #43 on: July 13, 2011, 03:20:38 pm »
Quote from: RedRobin on July 13, 2011, 03:12:47 pm
Quote from: Saint Steve on July 12, 2011, 03:28:06 pm
Quote from: ILoveTuna on July 12, 2011, 09:35:43 am

Does changing wheels from Monza's to pescaras count as a mod?
 

I would argue that because they are a VW part and could of been fitted to the car prior to you purchasing, so you could plead ignorant in that example.


....Why debate it at all? Declaring both wheel versions adds no more cost to your premium.

Was only stating this robin, as the purchaser may not of known there are different versions for the GTi. Thats all   :happy2:

Us Mad modify'rs know alot more about these cars then a non ethusiast.

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Offline Golfgirl

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Re: Declare those mods, however small.
« Reply #44 on: August 06, 2011, 05:11:01 pm »
Quote from: stealthwolf on July 13, 2011, 12:49:39 am

Things like heated seats etc - if they were optional extras that were fitted at the factory, they don't need to be declared. If they were dealer fitted or otherwise, then they need to be declared.


I've been asked to list factory fitted options in the past...
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