Declaring modifications

[Curt]

I'm sure I've heard it's just as bad to declare mods not on your car as to leave things undeclared. Thinking about it, I'm assuming it would be for fraud prevention, as you can say the car got nicked after putting £1,200 of alloys or whatever on it...

I'm not so sure... unless you have special "like for like" insurance, mods aren't actually covered by insurance anyway... just need to be declared/push the price up (with some companies).

When I declared stuff with Brent, I said I had a spoiler which wasn't fitted yet but will be soon. He said "well we may as well chuck that on now too then". So, I dunno! I can't see too many issues presenting themselves for having too much declared...

[vlj]

I'm sure I've heard it's just as bad to declare mods not on your car as to leave things undeclared. Thinking about it, I'm assuming it would be for fraud prevention, as you can say the car got nicked after putting £1,200 of alloys or whatever on it...

I'm not so sure... unless you have special "like for like" insurance, mods aren't actually covered by insurance anyway... just need to be declared/push the price up (with some companies).

When I declared stuff with Brent, I said I had a spoiler which wasn't fitted yet but will be soon. He said "well we may as well chuck that on now too then". So, I dunno! I can't see too many issues presenting themselves for having too much declared...

I took out a new policy when I got the estate and asked about declaring mods (with Elephant), and was told to just declare everything I planned to do, as it didn't matter if it wasn't there if something were to happen as they would see it's standard/know it's standard, but if it were on then I'd also be covered.

[kentiiboii]

I've got a list of jobs for my car which will be done ASAP. Everything is there. Just need the time to fit them.
So ill be putting them in that way i know I'm sorted.

[kentiiboii]

Just on phone to flux. Someone called Daniel.
Lets see what they can do for me.

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Well asked Daniel to ring me back. But looks like he's gone home :/

[cwspellowe]

To be honest Flux provided the cheapest price but with a silly telematics black box thing, Brentacre matched it without that nonsense

[lolsteve]

Waiting on Prestige to ring me back with a price, hopefully beat what adrian flux quoted me an all

[kentiiboii]

elephant quoted £831
mods declared
provisional license for girlfriend
no volentary excess

adrian flux quoted £1000
wont insure my mrs

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see what brentacre can do for me now if not looks like elephant

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brentacre: £949 insuring me.
21 years younge
3 years no claims
driving for 4 years
mods declared are: stage 1, 17" peugeot wheels with spacers and stud conversions, lowered on coilovers, exhuast system.
£450 excess and no admin charge for new mods

how are people my ages getting better quotes?
all mine are usually around £1000

[Oil-burner]

Jesus h jones, thats insane!

[lolsteve]

Post code makes a difference

[cwspellowe]

I live miles outside Glasgow in a quiet town, I'm 26 and the car started life as a poverty spec lxdt

[Dum-Dum]

what do people say about pump modifications?

Just told them the truth, Max fuel wound in, governor shimmed, LDA pin settings altered. I explained it was like a remap.

elephant quoted £831
mods declared
provisional license for girlfriend
no volentary excess

adrian flux quoted £1000
wont insure my mrs

---

see what brentacre can do for me now if not looks like elephant

---

brentacre: £949 insuring me.
21 years younge
3 years no claims
driving for 4 years
mods declared are: stage 1, 17" peugeot wheels with spacers and stud conversions, lowered on coilovers, exhuast system.
£450 excess and no admin charge for new mods

how are people my ages getting better quotes?
all mine are usually around £1000

Its cos you want to put your girlfriend on mate. I bet without her youll be a fair bit cheaper. Postcode and occupation do play a big role though

[Toms306]

No voluntary excess? Put it to £25oish and you'll knock a chunk off that elephant quote. Also add your mum, assuming shes not a racing driver, it'll take loads off, about £200 off for me.

[Dum-Dum]

^^ Adding a parent dosen't work with alot of the modified companies as they have no experience of driving a modified car. My mum hated driving either of my fast HDis as even tiny amounts of throttle could create huge speed.

[Toms306]

My Mum wouldn't be seen dead driving a shitty old diesel Peugeot! She's only on there for the price reduction. I don't know about modded insurers (as they've never given me the best quotes yet) but I do know with the admiral group that adding an older female reduces the price.

[kentiiboii]

Adrian flux and brentcare wouldn't insure my mrs so that's the price for me alone.

I originally had my mum with 13 years driving experience and my stepmom with 15 years experience but the price dropped when I took them off this time.

Also with elephant if I take my mrs of it goes up. Strangely enough she was the cheapest person to have on with elephant.

[Slam Wagon]

Dont forget that the specialist cover will actually include your mods, thats why they want to know all the details. But the standard insurers are happy to charge you more than normal take a rough idea of the mods and cover you but they dont cover the mods. I know this is true for admiral as i was with them but now with flux and i made sure to ask how they sort replacement and he said mods would be replaced with brand new parts.

[Jonny b]

Also some specialists won't charge for changes to policy!

[darrenjlobb]

Sorry off topic,

But JJ / anyone else, do you know anywhere where you can get really short term cover? so like a weekend cover or something? Just thinking need to insure myself in some car other than our landrover for FCS weekend etc

[vlj]

Sorry off topic,

But JJ / anyone else, do you know anywhere where you can get really short term cover? so like a weekend cover or something? Just thinking need to insure myself in some car other than our landrover for FCS weekend etc

tempcover.com is pretty good
brentacre have a temp cover thing online on their website
also just ringing your insurers (dependent on whom) and they usually offer really good rates on temp insurance

[Dum-Dum]

with sky (my insurer) its about £50 a week for anything ive actually bothered getting insured on (ive got 3rd party on other cars)

[vlj]

with sky (my insurer) its about £50 a week for anything ive actually bothered getting insured on (ive got 3rd party on other cars)

A week? 200 pound a month? 2400 a year?

[Curt]

Temp cover is always over the top, otherwise I guess it's not worth their time

[Niall]

Sorry off topic,

But JJ / anyone else, do you know anywhere where you can get really short term cover? so like a weekend cover or something? Just thinking need to insure myself in some car other than our landrover for FCS weekend etc

Aviva are quite good i think. They quoted me £28 for a weekend on a 6 i was going to buy for parts but had to drive back.

[WiNgNuTz]

Flux cover me to drive any other car - with the owners permission - with third party insurance. Surely this eradicates the need to use temp cover? Does your insurance policy not cover you on other cars as well? my last "eCar" policy did the same thing.

[Toms306]

This is one thing elephant are good for....temp insurance on pretty much any car (from the 106 NAD to the modded golf) for £20 a week!! Unfortunately they don't seem to offer docs on thier policies though.

[vlj]

Flux cover me to drive any other car - with the owners permission - with third party insurance. Surely this eradicates the need to use temp cover? Does your insurance policy not cover you on other cars as well? my last "eCar" policy did the same thing.

But if, like in Nialls case, he were buying a car to break - it is likely the car didnt have a policy held on it and thus your insurance wouldn't work on that principal - the car you will be driving needs a policy on it

[WiNgNuTz]

Flux cover me to drive any other car - with the owners permission - with third party insurance. Surely this eradicates the need to use temp cover? Does your insurance policy not cover you on other cars as well? my last "eCar" policy did the same thing.

But if, like in Nialls case, he were buying a car to break - it is likely the car didnt have a policy held on it and thus your insurance wouldn't work on that principal - the car you will be driving needs a policy on it

This is a very fair point.

[Niall]

problem with 'any car' insurance is the car has to have a proper policy on it for your any car one to be valid and if you crash it, you have to pay out of your own pocket to repair it

[WiNgNuTz]

Don't crash then! Simples!

[darrenjlobb]

I dont have an insurance policy at all though so need just a temp cover to drive for week or something to cover like FCS etc.

My car ran out of insurance months ago / didnt renew it and all the farm stuff is sperate on fleet.