Ok i've had a good read of quite a few of the post on the site and got loads of stuff i want to do to my car but what do i really need to tell the insurance company.

When i took out my policy it did say something about not insuring cars which have been modified but what do they class as modified.

As soon as you change the standard spec its classed as moddified, if u change the air filter.....moddified, the wheels..... Moddified......The only thing I have not declared on my car are the clear side indicators! If I crash I can pull these off and swap with the ones in my glove box.....I know im a bad ass....ye rite Ben!!

does ice count as mods? also if i de-badge mine an put custom badges on, will that count as mods?

alot of companies are just interested in modifications that:

1) alter the performance
2) alter the appearence

best bet is to ask when you get a qoute

i have declared everything except my side repeaters and gear knob:roll:

Best to declare all - then no probs further down the line!

Phil

Just spoke to my insurance company (Churchill) they will not insure my car if i fit an industion kit.

Whats worse is i've already got the thing.

got to be over 25 for underwriter reasons. I'm 24 so this really sucks

yeah they told me 25 or over for mods when i got a qoute

so lame.... that just proves they really know naff all eh!

The induction kit may look nice and give better sound, poss even a little more bite but more likely not too!

Anyways... I'd be looking elsewhere if your thinking of modding your mota little....... or more!

Adrian Flux are the way forward in my opinion....

L8rs... Phil

second that, they offer like for like replacements on mods unlike places like asda and tesco

And I will third that, Adrian is the man! LOL

[quote="Shaggy"]And I will third that, Adrian is the man! LOL[/quote]

Nice one Ben.....

Personal Preferance is A-Plan £200 cheaper than Adrian for me

Ohh and all major mods declared, cant remember if I told them about exhaust at the renewal tho... hmm must check

Havent told em about side repeaters, or any interior mods tho, or the gaping hole in my front bumper...

well getting a quote from Adrian and will also try A-Plan but 1 thing is for sure Churchill has got to GO!

i havent told them anytying, i didnt even tell them my f had standard alloys or a spoiler. my car now is bout 70% modded.

[quote="habs007"]does ice count as mods? also if i de-badge mine an put custom badges on, will that count as mods?[/quote]

Debadging your car costs money.. If you dont declare, they dont care...

That rhymes

[quote]
i havent told them anytying
[/quote]

Thats abit of a risk not telling them anything you never know whats parked round the next corner.

try [url]http://www.liverpoolvictoria.co.uk[/url]

a couple of my mates are insured with them..they apparently dont care about mods and hence my mates have maxed out their rides like anything. but not F's :P

liverpool victoria supposed to have good service too with reasonable quotes