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Author declaring mods?
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 12:31   View User's Profile U2U Member Reply With Quote
looking at getting an ashley backbox for my punto...

im down as having no mods atm on a 3rd party fire n theft policy, if i declare the mod how will they charge me for it (if they will), seeing as i already paid in one lump sum for the yr?

not looking for an exact answer btw cause i know each insurance company's different lol but just a few experiences?
Hamish
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Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
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18th Jan 08 at 12:32   View User's Profile U2U Member Reply With Quote
they will charge you, depends on the company. You will just have to pay the difference
DAZ1985
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Registered: 3rd Sep 06
Location: Scholar Green, Cheshire
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18th Jan 08 at 12:33   View User's Profile U2U Member Reply With Quote
as hamish says
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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18th Jan 08 at 12:34   View Garage View User's Profile U2U Member Reply With Quote
They'll ask for an administration fee; normally £25, and then dependant upon the insurer charge you an amount for cover of the modification. Some won't charge anything, but you still need to inform them; some will charge due to the car falling into a different catagory [More noticeable to thieves, increased value, increased engine output etc] but it depends on your insurer - some may not even allow a modification, especially to the engine system
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 12:36   View User's Profile U2U Member Reply With Quote
oh ok, any ideas on how much they might charge?
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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18th Jan 08 at 12:41   View Garage View User's Profile U2U Member Reply With Quote
Each insurer is different, any figure anyone puts up here will be of no relevance - You need to call them
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 12:49   View User's Profile U2U Member Reply With Quote
ok will do!
GT190
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Registered: 6th Dec 07
Location: Greater London
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18th Jan 08 at 13:02   View User's Profile U2U Member Reply With Quote
my insurance don't allow engine mods.

but let me add tints and alloys for £15.

i know your pain, though.
want an exhaust, thinking about fitting a 2" custom backbox and insurance might never know.
Fonz
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Registered: 12th May 06
Location: Newbury, Berks
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18th Jan 08 at 13:09   View Garage View User's Profile U2U Member Reply With Quote
pretty much all that needs to be has already been said but:

my insurance company charge nothing for body modifications
charge £70 for each deaclare performance mod (exhaust and suspension)

it does depend on the company
bigger names wont allow any mods if your under £25, those that do might be nice like mine and have resonable charge, others will charge through the roof

for eg: Deano87 wanted to find out how much his insurance company would charge extra if he lowered....£1400 was the answer!!
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 15:12   View User's Profile U2U Member Reply With Quote
bloody hell! ok cheers lads, also does any1 know if doing my alloys anthracite counts as a mod?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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18th Jan 08 at 15:24   View Garage View User's Profile U2U Member Reply With Quote
No, but the alloys are.
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 15:32   View User's Profile U2U Member Reply With Quote
the alloys were standard...
but is painting standard alloys a thing that shud be declared?
GT190
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Registered: 6th Dec 07
Location: Greater London
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18th Jan 08 at 15:37   View User's Profile U2U Member Reply With Quote
wouldn't bother tbh mate.
silent_thunder89
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18th Jan 08 at 15:43   View User's Profile U2U Member Reply With Quote
kk
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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18th Jan 08 at 15:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Fonz
for eg: Deano87 wanted to find out how much his insurance company would charge extra if he lowered....£1400 was the answer!!

Yes, yes they did. Currently pay about £700 for my insurance. 12v, FC, 19 at the time, 1 claim at fault, alloys declared. By lowering my car -40mm on just springs, it would have taken my policy to over £2000. What's more, I'd have to cancel my existing policy, and start a new one, so effectively lost 3 months NCB.
silent_thunder89
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Registered: 26th Mar 07
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18th Jan 08 at 15:56   View User's Profile U2U Member Reply With Quote
lol what a joke!
Dione J
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Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
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18th Jan 08 at 15:57   View User's Profile U2U Member Reply With Quote
Joke indeed. Deano as soon as your re-newal comes up makes sure you shop around for a better company to insure with

 
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