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Declaring mods to insurance company

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  • 15-03-2008 6:46pm
    #1
    PurelyEsoteric
    Closed Accounts Posts: 21 ✭


    I know that you must declare performance mods like aftermarket exhausts/induction/turbo etc. but what about visual mods like body kits or racing seats?


Comments

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    #2
    E92
    Closed Accounts Posts: 4,147 ✭✭✭E92


    You have to declare them too. They can make the car more desirable to the wrong sort of people.

    Just be honest:).


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    #3
    bitemybanger
    Registered Users Posts: 2,475 ✭✭✭bitemybanger


    Insurance companies will go to great lenghts to not pay out and any undeclared mod visual or not gives them an excuse to void your insurance


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    #4
    mivec
    Closed Accounts Posts: 47 ✭mivec


    there wont be a loading onto your insurance unless its a performance mod so just be honest


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    #5
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,750 Mod ✭✭✭✭Seth Brundle


    bitemybanger wrote: »
    Insurance companies will go to great lenghts to not pay out and any undeclared mod visual or not gives them an excuse to void your insurance
    In how many cases have you heard that an insurance company has made a policy void because of performance mods? What were the mods?
    They may (and are entitled to) reduce the amount payable to the policyholder in the event of a claim because of modifications.


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    #6
    colm_mcm
    Registered Users Posts: 73,455 ✭✭✭✭colm_mcm


    mivec wrote: »
    there wont be a loading onto your insurance unless its a performance mod so just be honest

    Quinn charge you extra if you have tinted windows!


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    #7
    Blitzkrieger
    Registered Users Posts: 6,660 ✭✭✭Blitzkrieger


    I'm with Hibernian and when I asked they said they wanted an engineers report to say they were fitted properly. When I rang back to ask what address to send it to, they didn't seem to care but said the value of the mods wouldn't be included in any payout.


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    #8
    Yakult
    Moderators, Computer Games Moderators Posts: 7,941 Mod ✭✭✭✭Yakult


    PurelyEsoteric wrote: »
    I know that you must declare performance mods like aftermarket exhausts/induction/turbo etc. but what about visual mods like body kits or racing seats?

    actually wondering that myself.

    I guess alloys too?


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    #9
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,750 Mod ✭✭✭✭Seth Brundle


    Insurance rates are based on a standard car. Anything that makes it more or less attractive to thieves or that will affect the performance is what they want to know.


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    #10
    Duff
    Registered Users Posts: 5,542 ✭✭✭Duff


    I delcared all my mods engine and body on my Glanza and it only cost me an extra €60 with Hibernian..


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