Copied from another post, new thread (sorry admin)


sam2mazdas wrote:
If I fit 195/60/14 d`ya think I need to inform my insurance, you know how picky they can be.


No, I would suggest you dont HAVE to inform them (used to work in insurance) as it isnt a modification.

However this is an interesting point. Who has made mods to their cars and hasnt informed their insurance?

Ive fitted a cat back ss dual out pipe (obviously not standard) and lowered by 40mm. Havent told them, no intention of telling them, I would like to get insurance for under £1,000 and its hard enough with full no claims let alone narrowing the choice of company's that will offer a quote by telling them its modified.

Yes i know the impications and of course the moral stance but but everyone is free to make their own choices. Whats your story?

A guy i know got away with his pretty easily...He had a bog standard 2.0 primera..and some one dropped in a GT engine....It was rear ended and written off and had no problems with the insuras....

My other mate had a 323F..It had 15" aftermarket alloys but no questions asked when his was written off...

I suppose the problem comes in if you want to claim - a chap at work wrote off his Toyota Tazz, with 17" rims on. Insurance refused to pay for the rims so he swapped them with a mates wheels and sent it to the scrappy with 13" steel rims. Now he's stuck trying to sell his 17" rims and trying to find his mate a replacement set of 13" steel rims. Probably would have been simpler to declare the 17" rims in the first place ...

back in the old days..... am getting old now lol.... even if you had a fluffy steering wheel cover they could class it as you having a modification from standard.. and in one case the Insurance company didnt pay out because of such an item. How stupid, but apparantly true, so my reccomendation would be to declare your mods, better safe than sorry in my book. I think the rules have changed since the old days but still its a better option to shell out a few extra pounds now, than regret it later, nothing woirse than spending a couple of grand on mods, on top of what you paid for the car only to be left with nothing after an accident or theft.

i understand - although im often wrong - that if your car is written off, to keep your mods say your nice messed up 17" you need to replace them with the standard parts. something not often explained my insurance companies

Dai: I think thats right...Because end of the day..your insura wants a full car...because the insura's can still sell CAT C or D write offs so they really want the entire car...

My dads car was written off, they took it away to the other end of the country and i asked them to send the CD player back....They did eventually 2months later with no problems

There was a club member (can't remember his name - he's changed his BA for Diesel BJ and apears now and then on the Yahoo forum) that had accident in his BA, and the insurance compnay wouldn't pay up because he had headlight protectors on! He explained how ludicrous this was etc, and they did eventually pay.

Mark

Apparently [url=http://www.liverpoolvictoria.co.uk]Liverpool Victoria[/url] dont seem to care whether or not the car to be insured is modified. Well thats what a mate of mine was sayin anyway, not sure if its tru or not, and they're supposed to be reasonably priced too!. Also, they give u a better quote if u fone them up than they give online, according to this mate of mine, but i aint tried as yet.

Sounds a Bit dubeous to me...................

Surely all ins companies want to know if its Modd'd?


Not heard of that one before?

well some1 else i know is insured by liverpool victora and he recently had an accident and they wrote off the car , made payment etc, did everything within a week or mayb less...just to give u an idea of their service

though that car was a bog standard nissan sunny