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Author Insuring modified cars - More than
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 14:50   View User's Profile U2U Member Reply With Quote
So, im insured by morethan, And i have just Lowered my car and fitted 2ltr brakes

I had a look at the policy wording, and the FAQ's and havent really found anything Apart from


quote:

My car has been modified; will you be able to provide cover?
We will not be able to provide cover if your car has been modified to increase the top speed or acceleration.


I take it that that is that. My car is still insured?

I dont fancy phoning up, as i dont want them to think i am doing things to my car or anything like that
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
27th Aug 08 at 14:51   View User's Profile U2U Member Reply With Quote
youre modifications havent increased top speed or acceleration, so you should be ok
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
27th Aug 08 at 14:57   View User's Profile U2U Member Reply With Quote
wish my policy was like that!!!
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 15:03   View User's Profile U2U Member Reply With Quote
I thought i was buggered to be honest

Im insured for £1000 on a 1.6 sport. I just did another quote and now its £2000+

So i thought adding mods is going to be pricey!!
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
27th Aug 08 at 15:08   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by jacko198
I thought i was buggered to be honest

Im insured for £1000 on a 1.6 sport. I just did another quote and now its £2000+

So i thought adding mods is going to be pricey!!

have you just had a exact same quote
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 15:10   View User's Profile U2U Member Reply With Quote
What you mean?
DaveB
Member
Registered: 29th Dec 00
Location: Huddersfield
User status: Offline
27th Aug 08 at 15:10   View User's Profile U2U Member Reply With Quote
It would have been an idea to check your policy before doing the mods though
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 15:17   View User's Profile U2U Member Reply With Quote
^ Thats true, i just didnt think.
RichR
Premium Member

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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
27th Aug 08 at 15:18   View Garage View User's Profile U2U Member Reply With Quote
You should really declare the mods however; even if it doesn't effect the premium
John
Member
Registered: 30th Jun 03
User status: Offline
27th Aug 08 at 15:31   View User's Profile U2U Member Reply With Quote
All that quote says is that if you are modifying top speed or acceleration they won't cover you at all.

You still have to phone up to declare mods and they could still charge you for it.
Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
27th Aug 08 at 15:38   View User's Profile U2U Member Reply With Quote
it mean's they wont cover performance enhacing mod's...

but will cover other upgrade - you need to phone them and tell them imo
jonnysri
Member
Registered: 16th Jun 05
Location: Leeds (Ilkley)
User status: Offline
27th Aug 08 at 16:15   View User's Profile U2U Member Reply With Quote
my mate put some v6 brakes on his vx220 and his insurance quote went lower lol
dan_c4rsa
Member
Registered: 12th Dec 06
Location: North Yorks Drives: MK3 Seat Cupra
User status: Offline
27th Aug 08 at 16:17   View User's Profile U2U Member Reply With Quote
well ive just had a bump and my brokers havnt notified the insurers of my modifications making my insurance invalid.

No way am i paying out. I'll go to court if i have to.
John
Member
Registered: 30th Jun 03
User status: Offline
27th Aug 08 at 16:25   View User's Profile U2U Member Reply With Quote
You'll most likely do what the insurance decide is best.
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 16:34   View User's Profile U2U Member Reply With Quote
So i should deffinatly declare them?

What if the price shoots up?
cunningham
Member
Registered: 25th May 05
Location: Lochore, Fife
User status: Offline
27th Aug 08 at 16:37   View User's Profile U2U Member Reply With Quote
then either leave that company or take the mods off again
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 16:41   View User's Profile U2U Member Reply With Quote
If i enquired about it tho. Will they make a note of it, or anything like that?
cunningham
Member
Registered: 25th May 05
Location: Lochore, Fife
User status: Offline
27th Aug 08 at 16:46   View User's Profile U2U Member Reply With Quote
na just say im thinking of lowering m,y car and yada yada coudl you tell me if my premium would go up?
James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
27th Aug 08 at 16:47   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by jacko198
So i should deffinatly declare them?

What if the price shoots up?

Then you pay it.
You have two options:
1- Declare the modifications, pay any extra premium that might be necessary
2- Don't do the above, and remove the mods

You can't not declare them simply because you don't want to pay extra for it.
12vMatt
Member
Registered: 28th Oct 06
Location: Sunderland
User status: Offline
27th Aug 08 at 17:03   View User's Profile U2U Member Reply With Quote
they WILL have a problem with the mods. they refused to quote me cos they said alloy wheels increase performance
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 17:35   View User's Profile U2U Member Reply With Quote
Oh ffs, i rang them and they said that lowering the car will increase acceleration so i would not be covered :S
12vMatt
Member
Registered: 28th Oct 06
Location: Sunderland
User status: Offline
27th Aug 08 at 17:37   View User's Profile U2U Member Reply With Quote
doesnt surprise me at all.

fucking bunch of wankers
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 17:38   View User's Profile U2U Member Reply With Quote
That is seriously shite tbh, im allowed alloy wheels aslong as they are within 2" of manufacturers guidelines (i have 16's)
And different brakes are not allowed unless standard :s
12vMatt
Member
Registered: 28th Oct 06
Location: Sunderland
User status: Offline
27th Aug 08 at 17:43   View User's Profile U2U Member Reply With Quote
ive got fucking sport 3 spokes, didnt even get that far tho- i said alloy wheels and she went off on a rant about increasing performance - told her to fuck off and just hung up in the end
jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
27th Aug 08 at 17:45   View User's Profile U2U Member Reply With Quote
That with more than?

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