Two-Two Posted December 16, 2015 Share Posted December 16, 2015 In the process of having a thorough respray done of my pride and joy. The question has popped into my head as to whether this is something that I need to tell my insurers about? The car is being resprayed in its existing colours so it's appearance has not changed but could they argue that a car with nice shiny paint is more likely to be nicked than one that has been acting as a toilet target for Glaswegian pigeons for the last 10 years? What to you guys think? Quote Link to comment Share on other sites More sharing options...
ripped_fear Posted December 16, 2015 Share Posted December 16, 2015 If you would say its going to increase the value of the car I would notify them. I told them when i painted all my engine bay plastics on my last car so probably worth the phone call imo Quote Link to comment Share on other sites More sharing options...
Ric Posted December 16, 2015 Share Posted December 16, 2015 I told sky about mine, 4k respray they didn't care. A 200 quid nurpsec exhaust they wanted £50 extra. Always tell your insurer about any change no matter how small, they'd only use it to get out of paying. Quote Link to comment Share on other sites More sharing options...
jamesmark Posted December 16, 2015 Share Posted December 16, 2015 You have to tell your insurance company about any change to OEM. If not then you risk voiding your policy and insurance companies love to not pay out. Quote Link to comment Share on other sites More sharing options...
stevie_b Posted December 16, 2015 Share Posted December 16, 2015 I would say you don't need to tell them if it's resprayed in exactly the same colour. Put yourself in their position: what would they do with that information? They don't hold information about the quality of the paintwork, so their system wouldn't be able to record the upgrade between tired paint of a certain colour, and fresh paint of the same colour. But for the time it takes, maybe it's best to just notify them, then you're covered. Quote Link to comment Share on other sites More sharing options...
David P Posted December 16, 2015 Share Posted December 16, 2015 They won't give a monkeys about a same colour respray, however, if it has increased the value then it is in your best interest to update that detail. Quote Link to comment Share on other sites More sharing options...
Two-Two Posted December 16, 2015 Author Share Posted December 16, 2015 Hi guys Thanks for the swift replies. Off to phone the insurers. I guess the golden rule is ...if in doubt tell them. Cheers Quote Link to comment Share on other sites More sharing options...
Parm_93 Posted December 16, 2015 Share Posted December 16, 2015 (edited) There's no harm in telling but the chances are they won't care. When it comes a claim, they either compare it to book value, or imported classic cars like ours, they compare it to others for sale on the market, at near the same spec. I know this because I had to go through the hassle when my cousin wrote of my old Skyline . They don't care if it has been resprayed or not, but other mods that increase value (engine etc). Edited December 16, 2015 by Parm_93 (see edit history) Quote Link to comment Share on other sites More sharing options...
Two-Two Posted December 25, 2015 Author Share Posted December 25, 2015 Postscript - told insurers about respray. As long as it was the same colour they were not bothered :-) Quote Link to comment Share on other sites More sharing options...
David P Posted December 25, 2015 Share Posted December 25, 2015 They won't give a monkeys about a same colour respray, however, if it has increased the value then it is in your best interest to update that detail. ... Quote Link to comment Share on other sites More sharing options...
Two-Two Posted December 25, 2015 Author Share Posted December 25, 2015 Agreed. When I renew insurance in a couple of months I will increase the replacement value of the policy. Quote Link to comment Share on other sites More sharing options...
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