chrisj_88
Member
Registered: 22nd Sep 06
Location: Dewsbury
User status: Offline
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im currently paying 800 pounds insurance on my corsa (first car) next week im going to fit some lowering springs and a back box. should i declare these mods on my insurance? if so how much extra do you think it would cost?> bare in mind im only 18 
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LAMM13
Member
Registered: 15th Dec 05
Location: Towcester, uk
User status: Offline
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definitley declare the modifications with your insurance, dont know how much it boosts yuor price up by though
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Swiftay
Member
Registered: 6th Aug 05
Location: West Midlands
User status: Offline
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you have to declare mods, otherwise insurance is void.
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corsaggh
Member
Registered: 28th Feb 05
Location: Bristol
User status: Offline
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Depending on your insurance company, I would say as a guide.
Backbox - little effect
Springs - maybe 10%
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dna23
Member
Registered: 1st Nov 04
Location: Northamptonshire
User status: Offline
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Some companies use a 10% per mod others differ, its best to call and ask before you do it  If you dont declare you may as well not be paying as it will invalidate the insurance if they find out.
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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quote:
Originally posted by Swiftay
you have to declare mods, otherwise insurance is void.
my mate didnt declaire any of his crashed claimed of insurance and they paid out. 1500 he got aswell
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bradford_SRi
Member
Registered: 22nd Jul 06
Location: Allerton, West Yorkshire
User status: Offline
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they wont find out about mods
my dads starlet got robbed and he didnt declair mods on insurance we got paid out and we bought the car back for 500 qiud:d bargin
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neil h
Member
Registered: 28th Sep 06
User status: Offline
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it's worth calling 1st just to find out how much the springs will add to your insurance, 'cus when i phoned frizzels about my spoiler they said they'd add 250 quid to my insurance. though i doubt it'll be that much for lowering springs.
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MikeE
Member
Registered: 7th Mar 03
Location: Milton Keynes
User status: Offline
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i paid 50 for eibach springs im with barclays which is norwich union
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Gaz
Member
Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline
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quote:
Originally posted by corsaflip
quote:
Originally posted by Swiftay
you have to declare mods, otherwise insurance is void.
my mate didnt declaire any of his crashed claimed of insurance and they paid out. 1500 he got aswell
You mate is a prime example of a wanker that bumps our preimiums up 
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Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
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quote:
Originally posted by corsaflip
quote:
Originally posted by Swiftay
you have to declare mods, otherwise insurance is void.
my mate didnt declaire any of his crashed claimed of insurance and they paid out. 1500 he got aswell
Well, your mate is a wanker.
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jimbo_247
Member
Registered: 22nd Feb 06
Location: Bucks
User status: Offline
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 my uncle sold me my corsa after finding it and fixing the rear crash damage and he also fitted alloys with it even though i took them off i have just fitted my new ones and if i crash i'm just going to claim that they were on the car when i bought it
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MikeE
Member
Registered: 7th Mar 03
Location: Milton Keynes
User status: Offline
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quote:
Originally posted by jimbo_247
my uncle sold me my corsa after finding it and fixing the rear crash damage and he also fitted alloys with it even though i took them off i have just fitted my new ones and if i crash i'm just going to claim that they were on the car when i bought it
im not being funny mate but insurance companys have heard it all before and do anything they can, to not pay out.
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jimbo_247
Member
Registered: 22nd Feb 06
Location: Bucks
User status: Offline
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yer well i don't really care anyway my car is worth nothing as its a catagory D rightoff just have to be careful not to hit anyone which i am
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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What about like mine, i bought it alredy lowered?
How do you go about that? Do you still have to tell them?
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Gaz
Member
Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline
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Of course you do,
The car is not standard, Forget how you bought it, If it didnt come out the shop like that it has been modified...
My god, some people..
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daz 16v
Member
Registered: 12th Jun 06
Location: Pemberton, Wigan
User status: Offline
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i declaired all my mods and my insurance only went up £100 and thats with bodykit, exhaust, alloys, -60mm suspension and £400 cd player
[Edited on 02-11-2006 by daz 1.2]
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Chris F
Show Staff
Organiser: East Anglia
Premium Member
Registered: 26th Dec 05
Location: Newmarket Drives: Escort Van 1.8
User status: Offline
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quote:
Originally posted by daz 1.2
i declaired all my mods and my insurance only went up £100 and thats with bodykit, exhaust, alloys, -60mm suspension and £400 cd player
[Edited on 02-11-2006 by daz 1.2]
wat company?
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daz 16v
Member
Registered: 12th Jun 06
Location: Pemberton, Wigan
User status: Offline
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with tesco's
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by Gaz
Of course you do,
The car is not standard, Forget how you bought it, If it didnt come out the shop like that it has been modified...
My god, some people..
Fuck me, whos rattled your cage? I asked out of interest, i dont know do i.
Wont bother asking next time, misserable cunt.
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Swiftay
Member
Registered: 6th Aug 05
Location: West Midlands
User status: Offline
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quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by Gaz
Of course you do,
The car is not standard, Forget how you bought it, If it didnt come out the shop like that it has been modified...
My god, some people..
Fuck me, whos rattled your cage? I asked out of interest, i dont know do i.
Wont bother asking next time, misserable cunt.
why not bother? got the answer to you question didn't you..
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by Gaz
Of course you do,
The car is not standard, Forget how you bought it, If it didnt come out the shop like that it has been modified...
My god, some people..
Fuck me, whos rattled your cage? I asked out of interest, i dont know do i.
Wont bother asking next time, misserable cunt.
In fairness Andy, you're old enough to own a car...so you should be responsible and have the know how to own one legally whilst on the road.
(as said before) have a little ding in your car and you *might* just get away with it if the claims assessor
A/. Doesn't turn up to look at your car
or
B/. Has a case of short term blindness if he does turn up.
However, if you knock a pedestrian over and kill them (or worse seriously disable them)....expect a very large portion of the rest of your lfetime wages paying off a very hefty settlement package.
In short...declare your mods. If you can't afford the insurance hike don't mod the car.
Simple really isn't it
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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quote:
Originally posted by Gaz
quote:
Originally posted by corsaflip
quote:
Originally posted by Swiftay
you have to declare mods, otherwise insurance is void.
my mate didnt declaire any of his crashed claimed of insurance and they paid out. 1500 he got aswell
You mate is a prime example of a wanker that bumps our preimiums up
Why because he crashed his car and they paid out for it???
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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My only mod is an £80 stereo which I haven't declared - with a bit of luck the windows won't get smashed so I only have to pay the excess and I am sure a CD player won't make a difference to liklihood of accident.
Going to check policy come to mention it, think I remember seeing £100 covered for stereos etc.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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not proud of this by any means but when i crashed my corsa, 1.2 8v I had added a GSI spoiler full peco exhaust system and my MOT had ran out by a week (completely forgot) and they still paid out
I had to take my allloys off before they came to access my car though
I would not tell them about the backbox but springs will affect ride and possible handling so they may pull you up on this if you ever had a crash
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