dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Probly a stupid question but would an insurance company void my insurance for changing from the standard V grille to the LMF / Irmscher one for my Astra?
Stolen from SteveX16XE's garage 
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gavin18787
Premium Member
Registered: 22nd Feb 05
Location: Basildon, Essex
User status: Offline
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Just check with them, cant see it making a difference myself
Drives supercharged Tec with torque  
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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not sure but you could just whip it off before they come look at ur car in you ever have a bump.
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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I wouldnt be phoning to declare that
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Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
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i remeber something about irmscher dosnt void warrenty
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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No, it won't HOWEVER all insurance companies are different.
I had a crash, front end, so they obviously saw everything, with Depo's and debadged grill. They paid out etc and nothing came of it. When I went to pick it up after the repair, the guy at the garage actually took me into the workshop and showed me the bits that were broken etc
My car was repaired with standard headlights and a standard V-grill. If you did declare them, and you crashed, they might replace with an Irmy grill etc
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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^^^
Would the same happen if you were at fault though?
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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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It was Deano's fault
And Deano, how they're replaced all depends on the policy, most just replace with original equipment although some do like for like cover
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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If my insurance company asked "Has the car been modified from manufacturers specification" I'd say yes. In the end, is it worth the risk of them declaring it void?
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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Thing is, an Irmscher grille is a factory item- just like a spoiler or alloys on some models or the XP pack on the new astra's for instance.
It's a grey area IMO
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Daveskater
Premium Member
Registered: 29th Apr 08
Location: Oxford, UK Drives: Jap wagon
User status: Offline
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It's only a cosmetic change and doesn't affect the car's running in any way, a bit like putting different side repeaters on or something. I haven't told them about mine as I don't think I'd need to. I'm only doing stuff to this car I don't need to phone up about so that I don't have to fork out more for insurance seeing as it's enough as it is.
Numberwang!
Originally posted by AlunJ
I like you Dave, you are a man of men
Originally Whatapp'd by Neo
Dave's maybe capable of a drive-by cuddle
Look at my pictures
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Corsa_Scotty
Member
Registered: 8th Aug 07
Location: Scottish Borders
User status: Offline
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Could you not just say your car was like that when you got it and you didnt know it was a modification 
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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quote:
Originally posted by Daveskater
It's only a cosmetic change and doesn't affect the car's running in any way, a bit like putting different side repeaters on or something. I haven't told them about mine as I don't think I'd need to. I'm only doing stuff to this car I don't need to phone up about so that I don't have to fork out more for insurance seeing as it's enough as it is.
^^^ that's the way I've gone about my car, except for tints
[Edited on 21-06-2008 by Huwsi]
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Daveskater
Premium Member
Registered: 29th Apr 08
Location: Oxford, UK Drives: Jap wagon
User status: Offline
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quote:
Originally posted by Huwsi
quote:
Originally posted by Daveskater
It's only a cosmetic change and doesn't affect the car's running in any way, a bit like putting different side repeaters on or something. I haven't told them about mine as I don't think I'd need to. I'm only doing stuff to this car I don't need to phone up about so that I don't have to fork out more for insurance seeing as it's enough as it is.
^^^ that's the way I've gone about my car, except for tints
[Edited on 21-06-2008 by Huwsi]
I'm only keeping this one for a year so not much point doing much to it either, plus I need to save up for my next one.
Do you have to tell the insurance about tints? I keep toying with the idea but if you have to tell them I won't bother.
Numberwang!
Originally posted by AlunJ
I like you Dave, you are a man of men
Originally Whatapp'd by Neo
Dave's maybe capable of a drive-by cuddle
Look at my pictures
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Steve X16XE
Member
Registered: 31st Dec 06
Location: Barnsley, South Yorkshire
User status: Offline
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I used to have an Astra that worked like that one many many years ago 
I even remember when and why i took that pic.
My insurance policy at the time only asked about mods done to the car to increase performance including brakes. Due to me not doing them things at the time, my answer was no, it is not modified.
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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quote:
Originally posted by Daveskater
I'm only keeping this one for a year so not much point doing much to it either, plus I need to save up for my next one.
Do you have to tell the insurance about tints? I keep toying with the idea but if you have to tell them I won't bother.
I have purely because are part of the car's security so in theory it should bring the cost of insurance down. In reality it probably adds a bit 
I also have some ICE in my car but it has cost less than £300 so they don't need to know unleess it's worth a grand or more (according to them)
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Thanks for all these views. Did the Astra in question (SXi) come with smoked side repeaters? Cos mine has these also, works the same way as the grille IMO - bought it like that, looks standard to me
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Adam-D
Member
Registered: 11th May 02
Location: Cheshire
User status: Offline
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its best to tell them see what they say, at least then your covered either way
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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i wouldnt tell them, if you tell them they will just rip you off.
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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exactly why I wouldnt tell them......
If you ask they arnt gonna see the chance to charge you more and say err nahhhhh its ok we wont
their gonna say yes, that will be x amount more please
maybe im that type of person that could sleep at night with it on my mind, it would probably be smashed to peices in a crash anyway
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Haimsey
Premium Member
Registered: 8th May 05
Location: Nottingham Drives: Corsa B
User status: Offline
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quote:
Originally posted by wooly101uk
not sure but you could just whip it off before they come look at ur car in you ever have a bump.
Makes me laugh when people say things like this
My friends have plans of whipping their springs off if they ever have a crash.... 
Marcy Marc 
White Sport Progress Thread
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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At the end of the day, a genuine Vauxhall V-grill new is more expensive than a shitty plastic thing of eBay. It was their loss.
I'm the biggest worrier in the world, and haven't declared my grill or lights. Mainly, because the Endsleigh modification list this year didn't say headlights, or grills. It did say light clusters. However type on eBay 'light clusters' and no front lights are returned in the search results.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Haimsey
quote:
Originally posted by wooly101uk
not sure but you could just whip it off before they come look at ur car in you ever have a bump.
Makes me laugh when people say things like this
My friends have plans of whipping their springs off if they ever have a crash....
and me. I couldn't drive my car. And the repair garage had it in their possession within 1 hour of crashing.
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Daveskater
Premium Member
Registered: 29th Apr 08
Location: Oxford, UK Drives: Jap wagon
User status: Offline
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quote:
Originally posted by deano87
the Endsleigh modification list this year didn't say headlights, or grills. It did say light clusters. However type on eBay 'light clusters' and no front lights are returned in the search results.
Yeah mate as far as I know clusters are only rear lights so you should be alright there.
When I was in the crash in my mates car, he had different bumpers on, they were still Ford ones (it was a Fiesta Mk3) but they were black as opposed to maroon so were really obviously not standard, but the insurance said nothing. Maybe because it was written off they weren't bothered about having to replace it, I dunno.
It was straight down the garage afterwards as well, when I left there was a whatsit truck thing coming to pick it up.
Oh yeah, seeing as we're on insurance, would you need to tell the company if you put alloys on instead of steelies, if they were Vaux ones? I'm wondering whether to get some or not but as with the tints, I won't bother if I have to tell them haha.
Numberwang!
Originally posted by AlunJ
I like you Dave, you are a man of men
Originally Whatapp'd by Neo
Dave's maybe capable of a drive-by cuddle
Look at my pictures
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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My insurance is only £22.40 a month anyways, so really wouldnt feel a hardship if they were to add an extra 50p a month on top
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