Who has declared modifications on their car and did it affect your premium

[schoonerm3]

I am very curious to know this about people. If I were to mod my car id be paranoid about the insurance company telling me they won't insure me never mind a premium increase.

[doyleeoin]

When I got my M3 it had a few mods (coilovers, air intake) which I eventually decided to get rid of. I tried to 'do the right thing' and insure the car with mods declared but found it impossible to even get a quote for some reason. Surely there are people who have all their mods declared but I just had to give up in the end and insure it as standard.

[Smokey Bear]

Where do you draw the line between mods and spurious replacement parts?

APEC pads are worse than standard. Quinten Hazel are shite but nobody bats an eyelid about these bits being fitted. Are meyle HD suspension parts mods? They're much beefier than original parts.

I think in a courtroom it would be hard to differentiate.

[318is-joe]

Very interesting question - I have a shitload of stuff that I'd like to do (in my mind would be upgrades from factory) but I'm (like the OP) worried that should the worst happen and an assessor looked at upgraded springs (H&R) for example, take's a jaundiced look at the car.
My car is going on 14 years old and is factory but needs stuff taken care of at this stage - where do they draw the line?

How does it work in the states? Seemingly you can do anything to a car over there - it's a way of life almost..

[schoonerm3]

It's annoying because I have read of lads in the UK insuring their cars with the like of Adrian Flux who specialises is performance cars and modifications. I don't think we would even get a quote in this country and end up not being able to insure a car.

[318 iS Cosmos]

When I renewed my insurance last year I declared the brakes and the exhaust back box and mid pipe - was an additional 8 euro or something


Sent from my iPhone using Tapatalk

[doyleeoin]

Ya it seems to be no problem at all in the UK. And then I couldn't even get quoted here when I tried.

8 euro for declaring those mods is very good value. But then you just can't bet on all insurers being the same. Or that I would get the same quote for the exact same thing with the same insurer. There is zero consistency with them.

Then when you are declaring mods how far do you go? You could declare coilovers, brakes and a carbon airbox but then they might invalidate your claim for not telling them you had black side grilles or LED number plate bulbs fitted. I've done so many things to my car but to me most are so insignificant I wouldn't call them modifications. They'll do their best to get out of paying your claim anyway.

[schoonerm3]

Next year I'll try declaring everything.

[doyleeoin]

Let us know how that goes. I would do the same if it doesn't cause me too much hassle.

[318is-joe]

ya it seems to be no problem at all in the uk. And then i couldn't even get quoted here when i tried.


. They'll do their best to get out of paying your claim anyway.

exactly my thoughts!!!