2oo7_Corsa-Boy_2oo7
Member
Registered: 12th Jan 07
Location: Elgin, Moray
User status: Offline
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i've got 2 years motor no claims bonus and am with direct line.. 700 fully comp... but dont accept mods til your 25...
my car is modified and im quite worried incase i have an accident and am not insured.. what should i do? 
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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If you want to be legit, change insurance companies
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Martin_C
Member
Registered: 27th Jun 03
Location: Ayrshire, Scotland
User status: Offline
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insure it with someone who does cover mods.
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2oo7_Corsa-Boy_2oo7
Member
Registered: 12th Jan 07
Location: Elgin, Moray
User status: Offline
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my insurane does not start with them til the 7th of feb but i've already paid 135 depost... ??
what companies should i look into then?
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I'm sure you get a period where you can cancel? I'm not sure I've always paid straight off...
Elephant have always been good for me but best bet is to ring around.
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lil_g
Member
Registered: 29th Oct 06
User status: Offline
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Brentacre 
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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I've heard Brentacre are very good although they haven't been able to come all that close on quotes for me in the last 2 years.
Best I've come across money wise is Norwich Union (mine was a standard policy tho, when I started to list mods they told me I could only list 3 and I had a list of 9 so not much good anymore) because of that, this year I'm with HIC, best quote with all mods declared. There's a bit of paperwork to fill in and you've gotta send copies of your license, proof of ncb etc. but if it's cheapest then it's worth the extra effort
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2oo7_Corsa-Boy_2oo7
Member
Registered: 12th Jan 07
Location: Elgin, Moray
User status: Offline
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all the mods on the car are visual... nothing to enhance the performance though... if i hit someone or someone hits me and want to take it through insurance companies... what can happen to me if i havent declared mods?
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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If you're at fault your insurance company will either refuse to payout and you'll have to foot the bill or your insurance company will payout for the other car then get the money back off you.
Also the possibility of a fraud charge.
It's not worth it mate, I'll admit I did it for a while, not proud but in my young and naive way I thought, if anything happens I've got all my standard gear in the garage, I'll just swap it back and they won't know any better. It was only when I heard about Monster's accident on here that I had some sense knocked into me.
Basically, he had an accident, ended up in a coma, hadn't declared his mods and has now got to pay his insurance company something like7 grand to cover what they paid out on the truck he hit
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I didn't know that part about Monster, that sucks...
I didn't have my mods declared on my Fiesta as I put them on towards the end of my policy, took out a new policy on 2nd Jan and decided to declare mods this time, 8 days later I wrote it off and they actually said at least I had my mods declared. Whether I'll get paid out for them or not, who knows.
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Saralo
Member
Registered: 21st Dec 08
Location: Cheshire/But from Leeds :D
User status: Offline
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What dya tell them about?
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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That to me? I was lowered and had non standard wheels.
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