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Author Quick Question About Insurance..
Robbo_Corsa
Member

Registered: 5th Jul 06
Location: North Lincolnshire
User status: Offline
14th Aug 08 at 00:24   View User's Profile U2U Member Reply With Quote

Now say you have a Corsa, with Irmsher bits on, or whatever GM make kit/wheels etc..

Would you have to declare it as modified?

I've noticed Green Things Corsa for sale, and i'm really interested, i just wondered if i did have a car like that would it have to declare it as modified?

Car in question.. :

http://www.corsasport.co.uk/board/viewthread.php?tid=447125



[Edited on 14-08-2008 by Robbo_Corsa]
B3KAN
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Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
14th Aug 08 at 00:38   View User's Profile U2U Member Reply With Quote

Yes you will have to declare it as its a modification from standard
davey_jack
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Registered: 28th Jan 06
Location: Horley, Surrey Drives: Clio 182
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14th Aug 08 at 00:45   View User's Profile U2U Member Reply With Quote

I wouldnt bother, it could have come with irmscher bits from factory.
You wouldnt bother declaring electric windows that were a factory fitted option, would you?
Robbo_Corsa
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Registered: 5th Jul 06
Location: North Lincolnshire
User status: Offline
14th Aug 08 at 01:02   View User's Profile U2U Member Reply With Quote

True, and thats what i was thinking, how are they to know whether it was an option from new that you could request..?
So basically insure it as standard?
B3KAN
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Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
14th Aug 08 at 01:06   View User's Profile U2U Member Reply With Quote

Id imagine for the price those bits would cost to replace they wouldnt pay out so easy if they aint declared
Robbo_Corsa
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Registered: 5th Jul 06
Location: North Lincolnshire
User status: Offline
14th Aug 08 at 01:08   View User's Profile U2U Member Reply With Quote

But how do they know they wern't ordered from new? Out the factory?
B3KAN
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Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
14th Aug 08 at 01:09   View User's Profile U2U Member Reply With Quote

id imaginne they would want proof
Robbo_Corsa
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Registered: 5th Jul 06
Location: North Lincolnshire
User status: Offline
14th Aug 08 at 01:15   View User's Profile U2U Member Reply With Quote

How would i get proof if the owner didn't keep the original reciept and i'm like the 10th owner or whatever? Or the reciept was never passed on to the new owner etc...
B3KAN
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Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
14th Aug 08 at 01:17   View User's Profile U2U Member Reply With Quote

All im saying is that for the amount off money it would cost to replace those parts i cant see an insurance company jut paying out so easy

Mabe they would tho
Robbo_Corsa
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Registered: 5th Jul 06
Location: North Lincolnshire
User status: Offline
14th Aug 08 at 01:23   View User's Profile U2U Member Reply With Quote

Ah right... I'll await the replies in the morning, see what others have to say..
XSIHardy
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Registered: 5th Feb 08
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14th Aug 08 at 01:35   View User's Profile U2U Member Reply With Quote

u get tht corsa u look after it!!
very good lookin
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
14th Aug 08 at 06:39   View User's Profile U2U Member Reply With Quote

1 thing to remember is insurance companies aren't your friend. Because your car or circumstances don't comply with the policy or small print, they don't have to pay out, for both you, and a 3rd party. So, you technically, may as well drive around with no insurance.

However, I didn't have a my headlights and grill declared but I did my alloys. What happened? I had a crash! Even though the repair garage (Insurance approved, got taken there on the recovery truck) noticed they were after market, all that was replaced were genuine, GM parts as per the factory spec.

How old are you? If you're over 20 at least, try someone like Adrian Flux. They'll often alloy any modifications up to 150bhp, including cosmetics.

I'd declare, it's better to be safe than sorry imho.

P.S. The original factory spec, especially from Corsa B onwards, can be traced at any Vauxhall dealership
Fonz
Premium Member

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Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
14th Aug 08 at 08:19   View Garage View User's Profile U2U Member Reply With Quote

i declared my Irmy kit and had no extra to pay

http://www.corsasport.co.uk/carimages/4822/lowered.jpg (plus and airdam on the front)

 
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