Declaring all the mods ?

[jazz1]

I did, and had a long chat with the lady insuring me!! All's good, no need to panic!

 

Then thumbs upto them, If I ever go private again on the supra il call them.

[Supra Kong]

Then thumbs upto them, If I ever go private again on the supra il call them.

 

Maybe they have changed their policys? I explained exactly what i would use it for! And the print in the policy confirms this! However, of course i will take them up on the 5 track days!!

[welshbuddy]

Wow thanks for your permission.

 

What would we do without you?

 

world would close down.

[a98pmalcolm]

I went through my Spec list as I was insuring my car so I declared all my mods. But TBH I wouldn't have thought a boost gauge would effect the insurance..

[thedirtycat]

I went through my Spec list as I was insuring my car so I declared all my mods. But TBH I wouldn't have thought a boost gauge would effect the insurance..

 

I also did expect a different BOV to effect the insurance either but apparently as soon as I mentioned BOV they didn't want to know about it. Doesn't a different BOV just mean a different sound anyway ?

[jcbt]

As an ex motor underwriter I can confirm that you have to declare everything and I mean everything that is not part of the original standard spec - that includes tyres /wheels/lighting including fogs front and rear /ice /custom paintThe list could go on and on but I think by now you are all getting my drift. The reason you need to do this is if you are comp cover you obviously want the vehicle to be put back into the condition it was prior to accident. Obviously theft claims can be tricky if vehicle is not recovered particularly when you try to claim for your nice new ice head unit that was not declared. So my recommendation is declare everything - keep your receipts for all your mods so you have a starting point to negotiate a realistic value/settlement figure if the worst happens. My father always said to me the poorer you are the more insurance you need so do not cut corners on this item - be honest with them and you will receive fairer treatment when you need to claim.

 

Welshbuddy - if you are claiming for your own damage then they may wish to inspect your car if not then they will only inspect hers and may not even bother if its the minor bump you describe. Happy hunting for cheaper rates.

[Robzki]

Just to clarify, My policy is with Competition car insurance, underwritten by Aviva under a 'specialist vehicle policy' (as written on the policy schedule)

 

The Certificate of insurance: Sports car scheme

 

Limitations of use: "Social, domestic and pleasure purposes(the exhaust does look quite erotic), and also while commuting to and from one permanent place of work only"

 

Sports car insurance track day cover: " we will INCLUDE cover from a maximum of five track days from the list of aviva approved organisers below(6 for lotus drivers) two of which may be a European track on the attached list. This includes both owners club days and other approved events. The list is not Exhaustive. If you require cover from a company not on the list please contact us and we will confirm if cover is available. "

 

"The excess will be £1000 plust the total road policy excess"

 

"Trackday Wording

We can confirm that the trackday cover as an EXTENSION to your existing aviva policy"

"Glass-There is no cover for glass under the trackday cover"

"In plain language this means that the exclusion of any form of track activity is modified to allow cover for accident damage to your own vehicle whilst at a previously agreed track day"

 

My premium was £417 for 399hp, £10000 value we are both 37 with full ncb and no accidents or convictions.

 

I really hope that this clarifies the situation regarding CCI. They list owners clubs etc as their approved organisers and really hoped that a mod or someone higher would have a chat with them regarding adding mkivsupra.net to their list of owners clubs to give us cover for events that we organise. Some clubs get extras too listed in the schedule.

 

Hope this helps

 

Rob

 

I also declared every mod from fmic and decatted to different speaker wire and badges. they add this to the file and you can email to add to the list at no cost. As long as the mod doesn't effect the hp limit you set or the value its all good. To put this into perspective if I went over 399hp I would be in the next category which is 400-650hp iirc which added £90 to the policy.

Edited April 11, 2012 by Robzki (see edit history)

[thedirtycat]

 

As long as the mod doesn't effect the hp limit you set or the value its all good. To put this into perspective if I went over 399hp I would be in the next category which is 400-650hp iirc which added £90 to the policy.

 

This sounds good and sensible. I don't get this whole oh you have a boost gauge or aftermarket bov.. we don't insure cars with crazy mods like this that make it really fast and dangerous.

[Wez]

P.s if you cant afford to insure it, and declare all mods then sell it. And buy something cheaper

 

Tell them everything. There's no other way IMO... especially now you've posted your question on a public forum

 

[mellonman]

Very strange that, wanted to get my other cars insured with them but they was not interested, maybe they have changed the way they do it very recently, that email was on the 2nd of April.

 

 

probably went on youtube and see how you drive your cars and thought hes a nutter F that

[Nodalmighty]

All my mods are declared. Granted the only performance mod is a SS cat back exhaust system, the rest are body mods.

 

Lyndon.

[Dnk]

All my mods are declared, if its not o/e its a mod and i'd rather not give an insurance company any reason

to argue if the worst should happen.

[Noz]

Boost gauge shud count as interior mods, which come in as one section with some companies.

 

Major mods may cost some money (ECU remaps and turbo's etc) but some a cheap as chips.

 

My aftermarket front bumper, OEM side skirts, rear spats, coilovers lowered 35mm, exhaust system, rear window tints and aftermarket alloy wheels cost me £45. That's including the £17.50 admin charge. Always worth asking BEFORE you do the modification just in case as on my celica years ago a front bumper and exhaust system they wouldn't even insure me.