I dont really see the point in telling the insurance about any mods coz even though they are on your insurance if you are in an accident they all get replaced as standard!! Whats the point! Thats another thing thats putting me off even getting the kit fitted to my car!

Reason is that if you have modified your car and you are in an accident or your motor gets nicked then the insurance company is completely within its rights to turn round and say ... Sorry you have breached the terms of your insurance contract and we are not going to pay out.

Tell them ??
Dont Tell them ??

YOU decide

Another reason to tell them is that if you havent declared and you do have an accident involving another car then they are also within their rights to not pay out for the other car if its your fault.. leaving you in a position where your car needs repairing which you have to pay for along with a personal claim from the owner of the other car.. I dont 100% know if this is true but either way I wouldnt risk it, especially if there is an injury claim or god forbid Death claim.

Most insurance companies will replace Like for like Mods anyway..........

Totally agree with Dan here....... Appart from it being Highly illegal to withhold information from the insurance company, Its just better to tell them everything, and avoid all of the above that Dan mentioned..............

Yeah I know that it is illegal and they could just not pay out but i dont see the point on having them on the insurance but they just replace them as standard.

I could go get all my kit fitted and the sprayed for £700 and then someone bangs into me and its been a total waste of money as my car would get repaired but back to standard!

i think what jam is saying is that if you have a kit fitted,and you have a bump they would replace the damaged kit as well i.e. like for like.
When they say they'll replace as standard they mean, regardless of whats on the car they'll replace everything anyway. ([size=150]standard[/size] Procedure)

adrian flux do this as i am sure other companies do aswell, if ur ins company doesn't.............then they suck!

I dunno I got a good quote from Diamond I declared all mods I just phoned and checked if they replace the kit etc as standard or with the mods he said they replace it as standard which is the same with Admiral and Elephant think they are all the same company. So I asked him what was the point in me insuring my body kit but if im in an accident only gets replaced with standard kit he said thats just their policy

try adrian flux, direct line, lloyds etc they'll all replace ur kit

That's the beast insured with Diamond. Lee-Anne as policy holder and myself as named driver. All mods declared, and only £20 extra when we come to add the bodykit on. £466.20. Sorry guys, I know you get £20 from Adrian Flux but I couldnt justify paying nearly 3 times what I am for getting the club £20, sorry.

Mitch.

I got quotes with all they companies all were much more expensive than diamond, admiral and elephant. into the thousands they were quoting!!

they are more expensive but it will protect ur kit as well

im pretty sure Diamond, admiral and elephant among others are all part of the same "group" - hence why the qoutes are similar

companies aim at different targets like yound drivers, women drivers etc

adrian Flux told me they'd replace like for like on mods most budget companies like asda dont i believe

£320 for the year 28 years old and 9 years no claim honker rooster.