modified insurance?

[DAN@ADRIAN FLUX]

How do I go about winter tyres decleration? Do I need to tell them each time I swap them?

There was some arguments over it a few years ago.

Piggy, it's a grey area. My suggestion would be notify the insurer. I highly doubt there will be any change to the policy or premium, but I'd want to cover my own back if I were you.

Ok here's one for dan. I've swapped my fuel pump from Lucas to bosch. It's still standard so not been tuned. Do I still be to declare it as it's a standard peugeot part?

Morning Ben Jay,

Although I can certainly see why you think you wouldn't need to declare it, it's certainly worth your while telling your insurer. They may just note the file to state you have made the change - Modifications don't always make a difference to the price of insurance, it's about making sure you are covered.

I often see posts across the forums where people will say "I don't need to declare X mod because it doesn't make a difference to the car, or 'It's taken from another car of the same manufacturer" for example - But those people are risking driving without valid insurance - Why wouldn't you want to make sure you are completely covered, if the unthinkable happens & you need to claim for your pride and joy, surely you want to make sure you can?

Hope that helps

Dan

I'll bet the majority aren't fully comp anyway tbh. And even those of us that are for other benefits, most wouldn't claim for our own worthless piece of French scrap lol.

Also, how does anyone know whats standard on an old car? Fair enough I know the specs of most 306s.....but not others! How would my sister/mum/nan know what alloys their car came with from the factory for example? If they're a sensible size and have a Peugeot logo on, they'd assume hem to be standard. Are you saying their insurance would be invalidated because of that?

Not having a go at you btw, I just think car insurance rules in general are daft. You don't have to phone your house insurer if you add a pretty number plaque by your door lol...

Tom,

It's a case of if unsure - Check. Ultimately it's the owners responsibility to declare modifications, obviously mistakes do happen & every case is assessed on it's own merits.

Pleading ignorance won't always wash, if you're driving around in a heavily modifed car & try to say you assumed it was standard - there is without a doubt going to be issues. But like you say Tom, a 40 year old woman who has purchased a car and didn't realise the wheels were taken from a different trim level - that's going to be clear to be a genuine mistake.

Insurance companies aren't going to be cruel, but there's no point taking the risk of losing the cover. We specialise in modified cars & we all love them - so be honest, if people are unsure send us some photos & we'll take a look before insuring - just to make sure we've done everything we can.

We're here to help

Dan