Should you declare all your modifications?

  1. Super Moderator Joined: Aug 2007 Lancashire Posts: 14256 Astra VXR + 1989 Astra GTE
    #1
    YES

    Recently alot of the new members have been asking, "Should i declare my mods". The answer is a simple yes, Insurance companies are out to make a profit, if you mod your car and crash, they will not pay out.


    Should you declare ICE?
    Well ice is covered with your insurance upto a certain amount most of the time, Check your paperwork that your insurance company should send you in the post. Or you could phone them up and ask if your ICE is covered already. If you have expensive In-Car-Entertainment then i would definately phone them up and let them know.

    What mods can you get away with?
    Well insurance companies like quinn-direct, dont mind modifications that do not improve your cars performance. So mods like, Bucket seats, tinted windows, debadging, de-locking, etc, shouldnt really change the price of your quote. If so only a little.

    Performance mods
    As soon as you start making your car 'Faster', the insurance company will think of you as a boy-racer, dangerous driver etc. And this will affect your quote. If you still want to go ahead making your car faster, then i would suggest some simple breathing mods like induction kits etc. Basically the more you do, the more you pay.


    Insurace Companies, Good for modding
    >

    > Adrian flux:
    Quote:
    Originally Posted by doely_gti View Post
    just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
    >Brentacre Insurance Services Ltd
    Quote:
    Originally Posted by johnnyg_vts View Post
    Im with Brentacre insurance and with my vts they have a 130 bhp policy (they do this with other cars too). Basically i pay my insurance and any mods i do wont cost any more as long as i do not breach the 130bhp limit. The mods include suspension, brakes, exhaust, filter, de-cat, wheels, bodywork...the insurance will only increase through the year if i go mad and get cams, re-map, throttle bodies...you still have to declare the mods you make but its a good deal i reckon.

    Brentacre Insurance Services Ltd
    98, Mansel St, Swansea, West Glamorgan SA1 5UE
    Tel: 01792 650933
    >Bell
    Quote:
    Originally Posted by David View Post
    Bell are also good for mods...
    Quote:
    Originally Posted by Soulless View Post
    agreed with David there.

    although I will say that if you have an accident with Bell, they dont pay out for modifications.
    Quote:
    Originally Posted by shooorn94 View Post
    Just to add another quote for a company for Paul.

    I'm with CIS (co-operative insurance) and they do not allow any modifications other than standard parts-this means that wheels must be the same size as what they were when the car left the factory (Citroen 13" alloys are allowed however) however interior (seats, ICE, etc.) you do not need to declare.. at least this is what Martin the CIS telephone advisor person told me. "So a 106/vtr interior is considerred standard as peugeot and citreon are both part of the PSA group"

    Tbh CIS aren't worth getting insured with if you intend on modifying. Parts for my car are laying around the house e.g. strut brace, and my induction kit was, had to sell it.

    > Pm me suggestions please so i can get a list going.
    Hope this helps, and if anyone can improve it, please post so i can update it.
  2. Established Member Joined: Oct 2007 Shoreham By Sea near Brighton Posts: 2065 saxo vt*
    #2
    Glad you started this one comes up all to often
  3. Saxperience Hardcore! Joined: Mar 2007 Powys Posts: 15348 Icelandtic Grey Citroen Saxo VTS 53 Turbo
    #3
    excellent information there mate
  4. Established Member Joined: Aug 2007 gwent Posts: 1322 2010 white focus RS, Corsa D 1.3 cdti sxi.
    #4
    just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
  5. Frequent Poster Joined: Nov 2007 Lincoln, England Posts: 514 2000 VTR black
    #5
    Quote:
    Originally Posted by doely_gti View Post
    just to let you know, Adrian flux dropped 300 off my policy as they explained the bmc increased airflow and made car run more economical and the suspension/wider wheels improved stability as does the "show cage", morette's with HID kit improved visiblity all in all i declared every mod as they do like for like cover on mods so will replace it all!!!
    wow, cannot wait till my renewal comes up. I wish all insurance companies thought like them!
  6. Established Member Joined: Dec 2006 Fleetwood Posts: 2244 2002 Saxo VTS
    #6
    Im with Brentacre insurance and with my vts they have a 130 bhp policy (they do this with other cars too). Basically i pay my insurance and any mods i do wont cost any more as long as i do not breach the 130bhp limit. The mods include suspension, brakes, exhaust, filter, de-cat, wheels, bodywork...the insurance will only increase through the year if i go mad and get cams, re-map, throttle bodies...you still have to declare the mods you make but its a good deal i reckon.

    Brentacre Insurance Services Ltd
    98, Mansel St, Swansea, West Glamorgan SA1 5UE
    Tel: 01792 650933
  7. Saxperience Addict Joined: May 2006 Posts: 12553
    #7
    Bell are also good for mods...
  8. Saxperience Hardcore! Joined: Apr 2006 Ashford Posts: 25611 LY R26
    #8
    agreed with David there.

    although I will say that if you have an accident with Bell, they dont pay out for modifications.
  9. Saxperience Forum Bum Joined: Jul 2007 Sussex Posts: 3891 2x 106 GTi
    #9
    Some good info there mate
  10. L-plater Joined: Nov 2007 dartmouth/devon Posts: 86 polo gti
    #10
    deffo declare everything you may regret it guys....i think admiral is pretty good you can declare mods on website and get quote straight away which some dont let you do
  11. Super Moderator Joined: Aug 2007 Lancashire Posts: 14256 Astra VXR + 1989 Astra GTE
    #11
    Updated post one

    Cheers for input guys
  12. Saxperience Forum Bum Joined: Sep 2007 Dunfermline Posts: 2814 2000 Wicked Red VTS
    #12
    I phoned adrian flux and got an excellent quote. My bro is also with them and they fully understand the need for mods!lol.
    Better still to tell them everything tho!
  13. Established Member Joined: Aug 2007 gwent Posts: 1322 2010 white focus RS, Corsa D 1.3 cdti sxi.
    #13
    also just found this:

    Adrian Flux are able to offer up to 15% discount on policies for Saxperience Members and welcome modified vehicles, young drivers and convicted drivers.
  14. Regular Poster Joined: Jul 2007 Rickmansworth Posts: 306 Posi Furio
    #14
    Hi i was just wondering if you should declare all mods even when your tpft. Forgetting fire and theft; if someone crashed into you and you claimed on their insurance, your insurance does not deal with the issue and so mods aren't seen too? Also how much would tints, and an induction kit add to a premium on a furio which is 2200 tpft beforehand?
  15. Established Member Joined: Aug 2007 gwent Posts: 1322 2010 white focus RS, Corsa D 1.3 cdti sxi.
    #15
    each and every quote goes for personal details, e.g. a guy i insured 2day was 23 with a x5 bmw, even though he was older than me, driving longer etc, his postcode made it £2000 dearer for him than it would me!

    lifes a biatch lol
  16. Super Moderator Joined: Aug 2007 Lancashire Posts: 14256 Astra VXR + 1989 Astra GTE
    #16
    Quote:
    Originally Posted by lukedorritt View Post
    Hi i was just wondering if you should declare all mods even when your tpft. Forgetting fire and theft; if someone crashed into you and you claimed on their insurance, your insurance does not deal with the issue and so mods aren't seen too? Also how much would tints, and an induction kit add to a premium on a furio which is 2200 tpft beforehand?
    Yes mate, declare all mods.

    They can still send someone to check your vehicle, Imagine if you crashed into a supercar (£100,000+), insurance company is going to try doing everything in their power not to pay out.

    Hope this helps mate.
  17. Regular Poster Joined: Jul 2007 Rickmansworth Posts: 306 Posi Furio
    #17
    looks like il bedeclaring then lol

    how much extra for tints and an induction kit on a furio
  18. Regular Poster Joined: Jul 2007 Rickmansworth Posts: 306 Posi Furio
    #18
    with quinn paying 2000 tpft
  19. Super Moderator Joined: Aug 2007 Lancashire Posts: 14256 Astra VXR + 1989 Astra GTE
    #19
    Quinn wont charge you for any mod's that dont increase performance, you dont even need to let them know about them.

    I rang up the other day,

    "I'd like to declare some mods please"
    "Ok, do any of them increase performance"
    "No"
    "In that case you dont need to let us know mate"



    Just phone them up mate, they're quite easy to talk to. They're irish but have quite good manners

    This is only with quinn-direct^
  20. Newbie Joined: Feb 2008 bangor ni Posts: 24 saxo
    #20
    with quinn direct paying 987.00 for a 1.1 saxo first car to thought was a class price
  21. L-plater Joined: Jan 2008 newton abbot, Devon Posts: 54 saxo 1.1
    #21
    Quote:
    Originally Posted by LinfeildFc4Life View Post
    with quinn direct paying 987.00 for a 1.1 saxo first car to thought was a class price

    i was paying £870 for a 1.1 with quinn.... but wen i passed my test they put it up to £1360 lol
  22. Infrequent Poster Joined: Sep 2007 Fareham - Hampshire Posts: 213 1997 1.1i saxo, blue, spoiler, meshed grill, smoke
    #22
    iam with quinn,and my insurace is 220 a month!!! i only have alloys, backbox, iice and some other little bits... wtf?!?!

    Quote:
    Originally Posted by Paul_CGM View Post
    YES

    Recently alot of the new members have been asking, "Should i declare my mods". The answer is a simple yes, Insurance companies are out to make a profit, if you mod your car and crash, they will not pay out.

    One suggestion from me, if you're doing modifications that do not improve performance in any way then i would try www.quinn-direct.com These are quite good for mods.

    Should you declare ICE?
    Well ice is covered with your insurance upto a certain amount most of the time, Check your paperwork that your insurance company should send you in the post. Or you could phone them up and ask if your ICE is covered already. If you have expensive In-Car-Entertainment then i would definately phone them up and let them know.

    What mods can you get away with?
    Well insurance companies like quinn-direct, dont mind modifications that do not improve your cars performance. So mods like, Bucket seats, tinted windows, suspension alterations, brake alterations, debadging, de-locking, etc, shouldnt really change the price of your quote. If so only a little.

    Performance mods
    As soon as you start making your car 'Faster', the insurance company will think of you as a boy-racer, dangerous driver etc. And this will affect your quote. If you still want to go ahead making your car faster, then i would suggest some simple breathing mods like induction kits etc. Basically the more you do, the more you pay.




    Insurace Companies, Good for modding
    > www.quinn-direct.com

    > Adrian flux:

    >Brentacre Insurance Services Ltd

    >Bell







    > Pm me suggestions please so i can get a list going.
    Hope this helps, and if anyone can improve it, please post so i can update it.
  23. Infrequent Poster Joined: Sep 2007 Fareham - Hampshire Posts: 213 1997 1.1i saxo, blue, spoiler, meshed grill, smoke
    #23
    Quote:
    Originally Posted by iain-d View Post
    i was paying £870 for a 1.1 with quinn.... but wen i passed my test they put it up to £1360 lol

    yer same, BUMP i tell you! so much for the luck of the irish
  24. Super Moderator Joined: Aug 2007 Lancashire Posts: 14256 Astra VXR + 1989 Astra GTE
    #24
    Quote:
    Originally Posted by Wilkys-sexy-saxo View Post
    iam with quinn,and my insurace is 220 a month!!! i only have alloys, backbox, iice and some other little bits... wtf?!?!
    /Spacebar/*
    Insurance*
    £220*
    I*
    ice*

    ------------------------------------


    Hi. The modifications you have put down should not increase your quote (because your with Quinn). Insurance is down to postcode/age/job etc. £220 Seems a little high for a 1.1. Hopefully it wont be as much next year once you have your no claims.


    Paul
  25. Saxperience Forum Bum Joined: Mar 2008 Deeside Posts: 2514 Focus RS 400BHP
    #25
    rough increase for a magnex 3.5" backbox????

    im paying 1050 TPFT with quinn

    cheers.
  26. Frequent Poster Joined: Jun 2006 Cannock Posts: 973 Citroen AX VTS
    #26
    It may also be of interest to know that by not declaring mods you may infact be breaking the law and are *possibly* at risk of being found guilty of 2 charges!
    1. Insurance fraud - Lying about facts or circumstances in order to reduce the rate of a premium
    2. Driving without valid insurance - If a company refuses to pay out it will VOID your policy, this means your car was NEVER insured since taking out or re-newing that particular policy!

    Just worth considering, even though it is worse case scenario etc.
  27. Saxperience Post Whore Joined: Aug 2007 Coventry Posts: 5182 Lupo GTI
    #27
    What would happen if an old woman bought a highly modified supra for a run around?

    She wouldnt have a clue about dump valves, turbo timers, wastegates, coilovers etc...

    Therefore she would not decalre them! What happens then?
  28. Established Member Joined: Apr 2006 Motherwell Posts: 1885 Focus tdi, S2000 (weekend willy)
    #28
    Quote:
    Originally Posted by Coonper View Post
    What would happen if an old woman bought a highly modified supra for a run around?

    She wouldnt have a clue about dump valves, turbo timers, wastegates, coilovers etc...

    Therefore she would not decalre them! What happens then?
    She would get her head shagged.

    Fair point tho. There was an old couple near my school who had a nissan pulsar. I'm sure it had an aftermarket backbox on as it was loud as fuck. doubt they declared any mods. It was their little run around.

    You hear this about Chavs putting induction kits in their nans 1.2 corsa's and not telling them lol. Slightly off topic, but the most common sight for me on the road is black 1.2 Corsas with "sport" chrome petrol caps.
    On topic tho - undeclared mods = void insurance.
  29. Established Member Joined: Apr 2006 Motherwell Posts: 1885 Focus tdi, S2000 (weekend willy)
    #29
    Quote:
    Originally Posted by VTR-Chris View Post
    rough increase for a magnex 3.5" fart cannon????

    im paying 1050 TPFT with quinn

    cheers.
    roughly ..... £150
  30. Saxperience Forum Bum Joined: May 2007 Midlands UK Posts: 4453 1.1??
    #30
    Just to add another quote for a company for Paul.

    I'm with CIS (co-operative insurance) and they do not allow any modifications other than standard parts-this means that wheels must be the same size as what they were when the car left the factory (Citroen 13" alloys are allowed however) however interior (seats, ICE, etc.) you do not need to declare.. at least this is what Martin the CIS telephone advisor person told me. "So a 106/vtr interior is considerred standard as peugeot and citreon are both part of the PSA group"

    Tbh CIS aren't worth getting insured with if you intend on modifying. Parts for my car are laying around the house e.g. strut brace, and my induction kit was, had to sell it.
  31. Saxperience Post Whore Joined: Oct 2005 Posts: 7657
    #31
    its a no brainer really
  32. Infrequent Poster Joined: Apr 2008 Sunderland Posts: 201 SX 1.1(1998)
    #32
    im with Lloyds TSB, only 17 and im paying £686... paid £675 for the car.

    Called yesterday about an induction kit and they said its fine no premium increase. How it should be
  33. L-plater Joined: May 2008 Glossop, Derbyshire Posts: 66 Saxo 1.1LX
    #33
    Would I need to ring up and let them know about alloys etc? (stupid Q I know, but I want to be well above board like..)
  34. Established Member Joined: Jun 2007 Falmouth Posts: 1079 saxo 1.1i desire
    #34
    Quote:
    Originally Posted by dianahepworth View Post
    Would I need to ring up and let them know about alloys etc? (stupid Q I know, but I want to be well above board like..)
    yeah you would need to tell them about alloys.
  35. L-plater Joined: Apr 2008 Norwich Posts: 72 Posi Westcoast
    #35
    Do Not Go With Budget!!!
  36. Infrequent Poster Joined: Sep 2007 chelmsford Posts: 131 saxo 1.0 First
    #36
    what about tesco lol
  37. Established Member Joined: Aug 2008 harlow/ essex Posts: 1414 stealth Vtr/S
    #37
    i was just about to post a thread about this lol.
  38. Saxperience Forum Bum Joined: May 2007 Posts: 4857
    #38
    With the HIDs just try telling them that these do not comply with ECE regulations and that they make your car illegal to use on the road and then see if they will still inshore you. Don't forget you don't just have to declare but you also have to declare if they make your car none road legal. Its like you cant just say you have 001T tyres fitted, you would have to say I have 001T tyres that are not road legal.

    From the AA

    "As brokers we deal with many different insurers whose policy for modifications differ. Some would not cover any modification, so if found out after a claim would either not allow the claim or void the policy. Others would investigate the modification, and if they decided to proceed would ask for an additional premium. However if the modification is not legal it is unlikely that any of our insurers would allow this."
  39. Newbie Joined: Sep 2008 Posts: 1
    #39
    Yes of course... will need to declare all car mods I would advise research on how much it will cost looking at this link it has much useful info on car mods and why most insurance companys are not too happy about them. car modification...
  40. Regular Poster Joined: Apr 2008 Glossop Posts: 468 Posi Blue VTR
    #40
    Diana hepworth...Look at you all grown up and on saxperience!
  41. Established Member Joined: Apr 2008 BasingJoke Posts: 1058 x3 saxo's and a 306
    #41
    im with quuin got fucked over when they found my de cat
  42. Frequent Poster Joined: Jun 2006 Posts: 747
    #42
    Read this string...
    Got paranoid about my recent back-box upgrade...
    Called privilege (I'm old and got lots of no-claims)...
    Informed them it was a cosmetic change only...
    Cost me an extra £50 a year and £100 extra on my already crap £350 fixed excess...
    Nice
  43. Frequent Poster Joined: Jan 2009 coventry Posts: 701 206 hdi
    #43
    so are Bell not arsed bout modding? my mates on direct line n they wont let him have no mods at al. cant even change his cd player. but direct line seem to be cheapest for me
  44. West Midlands Joined: Dec 2007 West mids Posts: 23149 Supra,civic GL
    #44
    bell nearly doubled my policy when i declaired mods on my vts
    and they only allow like 7 or 8 mods i think
  45. Regular Poster Joined: Feb 2009 Chesterfield Posts: 254 Saxo 1.4 Furio
    #45
    Quote:
    Originally Posted by lukedorritt View Post
    Hi i was just wondering if you should declare all mods even when your tpft. Forgetting fire and theft; if someone crashed into you and you claimed on their insurance, your insurance does not deal with the issue and so mods aren't seen too? Also how much would tints, and an induction kit add to a premium on a furio which is 2200 tpft beforehand?
    On a standard furio mate, try churchill.
    Mine is 2000 for a year on standard furio, not declarin my mods as they dont allow any!
    Link below:

    https://uk2.churchill.com/insurance/...e3ba4960692d2d
  46. Frequent Poster Joined: Jun 2006 Posts: 747
    #46
    If you don't declare mods, have a smack up, trash some ones expensive car, kill someone etc....
    YOUR INSURANCE WILL BE INVALID AND YOU WILL BE FOCKED!
  47. Newbie Joined: Jan 2009 Posts: 14 Saxo X 1.1 -- was ok i guess got me into them. now
    #47
    when i renewed mine i got it with a brooker who sells on behalf of coop and he didnt even ask me about mods.....so when i got the policy through i checked and it does'nt say anywhere about no mods......suites me :-p
  48. Frequent Poster Joined: Sep 2008 Manchester Posts: 538
    #48
    Quote:
    Originally Posted by AXracing View Post
    With the HIDs just try telling them that these do not comply with ECE regulations and that they make your car illegal to use on the road and then see if they will still inshore you. Don't forget you don't just have to declare but you also have to declare if they make your car none road legal. Its like you cant just say you have 001T tyres fitted, you would have to say I have 001T tyres that are not road legal.

    From the AA

    "As brokers we deal with many different insurers whose policy for modifications differ. Some would not cover any modification, so if found out after a claim would either not allow the claim or void the policy. Others would investigate the modification, and if they decided to proceed would ask for an additional premium. However if the modification is not legal it is unlikely that any of our insurers would allow this."
    so what are they saying
  49. Forum Section Moderator Joined: Jan 2004 Abingdon, Oxfordshire, United Kingdom (England) Posts: 5082 RX8, Cliosport 197
    #49
    if you want to modify your car use brentacre and get a modified car insurance premium, mine allows unlimited cosmetic mods and performance mods such as lowering, brakes, wheels and a BHP increase of up to 10BHP, so induction kit and full exhaust system. If i want more BHP i can just increase what powerband i want by paying a little more.

    whatever you dont drive a modified car without declaring mods, it will void your insurance in a crash and if you write off an £60K bmw or kill someone you will have to pay the costs yourself, you could well be fined/given points by the police as its as good as not having insurance
  50. Frequent Poster Joined: Sep 2008 Manchester Posts: 538
    #50
    Il have to give them a ring
  51. Forum Section Moderator Joined: Aug 2008 Liverpool Posts: 15517 Saxo VTR
    #51
    Good guide Paul.
  52. Newbie Joined: Sep 2009 Uttoxeter Posts: 18 Citroen Saxo 1.1 Desire
    #52
    After reading this thread I rang my insurance company and declared my alloys. But was thinking of getting an induction kit - I guess thats classed a mod.
  53. Regular Poster Joined: Apr 2009 Nuneaton Posts: 455 Citroen Saxo 1.4 Furio
    #53
    no i dont think you should, you are better off but.. i dunno i think its a waste!
  54. Saxperience Forum Bum Joined: Jun 2009 Southampton not scunthorpe Posts: 2679 e36 318is! boom.
    #54
    Quote:
    Originally Posted by 91mikec View Post
    On a standard furio mate, try churchill.
    Mine is 2000 for a year on standard furio, not declarin my mods as they dont allow any!
    Link below:

    https://uk2.churchill.com/insurance/...e3ba4960692d2d
    well done, go and advertise yourself on a known motoring website on the part that says "declaring your mods" haha i hope an affiliate of your insurance company reads this
  55. Newbie Joined: Sep 2009 Posts: 2
    #55
    I can Vouch for Quinn-Direct, they are good friendly people, and like the guy said in the first page, unless it's performance mods you don't need to declare them
  56. Frequent Poster Joined: Feb 2009 glasgow Posts: 828 c2 code
    #56
    think i,ll give adrain flux a phone heard their good
  57. L-plater Joined: Oct 2009 Burton-upon-Trent Posts: 32 Saxo VTR
    #57
    Only problem iv found with quinn is being insured on your provisional and then getting a full license your premium rises by a massive amount!
  58. Saxperience Post Whore Joined: Oct 2009 Basildon And Corringham, Essex Posts: 5179 MK1 Focus RS, Discovery TD5, Renault Trafic 2.0
    #58
    How do you actually get a quote with Brentacre Insurance Services Ltd? Lol

    The site has like no buttons or hyperlinks =/
  59. Forum Section Moderator Joined: Jan 2004 Abingdon, Oxfordshire, United Kingdom (England) Posts: 5082 RX8, Cliosport 197
    #59
    use this magic invention called a phone

    phone number is here mate
    http://www.brentacre.co.uk/contact-us.php
  60. Saxperience Post Whore Joined: Feb 2008 Southampton Posts: 8188 Astra vxr with added boost
    #60
    ie though i think this is poor as many website say insurance friendly Panel filter..

    ie what if you have a panel filter.. cant be seen
    cams cant be seen.
    ecu remap cant be seen. 99% of young people on the roads with modied cars are not insured correctly if they crash into me i will kick them...
  61. Saxperience Post Whore Joined: Oct 2009 Basildon And Corringham, Essex Posts: 5179 MK1 Focus RS, Discovery TD5, Renault Trafic 2.0
    #61
    Quote:
    Originally Posted by Jungle_Jim View Post
    use this magic invention called a phone

    phone number is here mate
    http://www.brentacre.co.uk/contact-us.php
    Oh haha thanks
  62. Saxperience Post Whore Joined: May 2009 ringwood Posts: 6305 suzuki swift 1.2 sz3
    #62
    if you dont declare all of you modifiation your insurance is void. if your insurance is void youve got no insurance. if youve got no insurance and get pulled over you car gets crushed. so yeah declare your mods
  63. Newbie Joined: Feb 2010 Dudley West Midlands Posts: 13 Black two door saxo 1.1i
    #63
    thanks for info m8 very helpful (y)
  64. Newbie Joined: Feb 2010 Posts: 4
    #64
    Wow !
    I am little surprised to hear about this....

    But I think, all the insurance company are same in their behavior .....

    And wanna thanks a lot for sharing this with us.



    pontiac bonneville supercharger
  65. Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr
    #65
    Im glad someone finally made this topic...You do need to declare all modifications.

    A modification is something which actually differs to the manufacturers standard build on that particular vehicle.

    I have seen questions on here about "I have a saxo 1.1 and want to put a VTR/S kit on or VTR/S Alloys on, seems Citroen make them is that not a modification?"

    Well the answer is yes, that is a modification, although they are standard on other Saxo models, they are NOT standard on the 1.1, hense why its a mod.

    Good thread imo!
  66. Frequent Poster Joined: Apr 2009 Posts: 638 mk2 vtr, clio 182
    #66
    just declared my mods didn't really make much of a difference in price im with tesco on fully comp insurance iv just delared
    Suspension , lights, bucket seats alloys was paying £34.60 a month now £48.48 .
    not bad i rekon.
  67. Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr
    #67
    You say that has not made much different but...

    An extra £14 a month = £168 a year?

    But still, its much better they are declared!
  68. Frequent Poster Joined: Apr 2009 Posts: 638 mk2 vtr, clio 182
    #68
    Quote:
    Originally Posted by BazzaC View Post
    You say that has not made much different but...

    An extra £14 a month = £168 a year?

    But still, its much better they are declared!
    it would be less but as i only have 5 months left on my policy they have had to split 12 months worth between the next 5 payments .
  69. Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr
    #69
    Since when have you had the mods?

    If they are recent mods, then that wont be split for the 12 months, that will be for the time left on your policy.

    Expect a big increase in premium if thats only for 5 months!
  70. Frequent Poster Joined: Apr 2009 Posts: 638 mk2 vtr, clio 182
    #70
    well rang them this morning had them added on only just really put the mods on but yes they have split it between the 5months , added it to the original 12 month premium then took off what i had paid then added the extra on to the remaining 5months.Was only paying £350 a year this year before declaring anything.
  71. Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr
    #71
    Sorry I didnt quite get that lol.

    Basically, if you add mods 6 months into a policy, they wont charge you for having them the full 12 months, they will only charge for the 6 months its been on cover.

    So the premium for adding your mods was only for the 5 months left on the policy, not for all 12 months.
  72. L-plater Joined: Mar 2010 Wem Posts: 36 J reg BMW 318i W reg citroen saxo forte 1.1
    #72
    cheers man, alloy wheels dont really affect performance too much, when i declare them, will it increase my insurance too much?
  73. Infrequent Poster Joined: Apr 2010 Posts: 111
    #73
    i'd say declare all mods, i was on the honda civic forum, and there was a thread about the new speed cameras that are being introduced, these can read liscence plates and read data like the police in car system, so they will be able to see if you have mot, tax, insurcance and delcared mods, if you dont have these it flashes just as if you wer speeding.

    I'll find the info and post it
  74. Frequent Poster Joined: Mar 2010 Posts: 848 Saxo 1.4i Furio, Yaris 1.3i SR
    #74
    y on earth would you declare debaging ur car?
  75. Established Member Joined: Jul 2008 Barnsley, South Yorkshire Posts: 1578 MG ZR...
    #75
    Quote:
    Originally Posted by nufcsteve View Post
    y on earth would you declare debaging ur car?
    Beacause you have spent money getting that done. If you crash they will replace it with a normal boot rather than your 'smoothed boot'. It wont change your insurance much/at all so worth doing.
  76. Frequent Poster Joined: Mar 2010 Posts: 848 Saxo 1.4i Furio, Yaris 1.3i SR
    #76
    Quote:
    Originally Posted by AshC View Post
    Beacause you have spent money getting that done. If you crash they will replace it with a normal boot rather than your 'smoothed boot'. It wont change your insurance much/at all so worth doing.
    i didnt think u meant smoothing it off, i thought u just meant taking the badges off haha nevermind.... im insured for everything, except for my smoked lights, coz i havnt got around to it
  77. Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr
    #77
    Quote:
    Originally Posted by nufcsteve View Post
    i didnt think u meant smoothing it off, i thought u just meant taking the badges off haha nevermind.... im insured for everything, except for my smoked lights, coz i havnt got around to it
    Want my adivce?

    Get around to it lol.
  78. Frequent Poster Joined: Mar 2010 Posts: 848 Saxo 1.4i Furio, Yaris 1.3i SR
    #78
    lol not summit that will void ur insurance really, i crashed a focus fully modified exterior and interior and not insured, never got voided coz they wernt performance mods
  79. Regular Poster Joined: Aug 2007 Staffordshire Posts: 303 Saxo Furio 306 D-Turbo Peugeot 106 XSI Saxo VTS
    #79
    right my argument is you cant insure a de-cat as its illeigal?

    so whats the point paying extra for all these other things when you know its going to be void anyway...

    + i mostly drive on country roads and a "knock 4 knock" rule applys so the insurence arn't even involved!
  80. Infrequent Poster Joined: Apr 2010 Sudbury, Suffolk Posts: 214 Silver 52 plate furio
    #80
    I'm with fluxdirect, part of Adrian flux and i just rang up to switch from my modded vtr to a standard furio and they said it would be 55 pound extra ontop of the 1200 per year im paying for the vtr, thought that sounded pretty ridiculous. I asked for a quote with vts wheels and they said they would reimburse 104 pounds! saved 150 quid by declaring mods .

    The lovely lass said its a special policy they do for modified vehicles. Can't be bad 'ey?
  81. Saxperience Hardcore! Joined: Mar 2008 Posts: 31279 Citroen Saxo VTS, S60 D5
    #81
    Quote:
    Originally Posted by wadoryu View Post
    if you dont declare all of you modifiation your insurance is void. if your insurance is void youve got no insurance. if youve got no insurance and get pulled over you car gets crushed. so yeah declare your mods
    Yawn, we all know this.
  82. Saxperience Post Whore Joined: Oct 2009 Newcastle, Ashington Posts: 5086 Cammed and VTR'd Furio. Corsa c - Slammed & Euro
    #82
    Nice thread mate, sick of seeing threads asking about this.
  83. L-plater Joined: May 2010 Belfast Posts: 36 2002 Saxo VTR
    #83
    Does anybody know off insurers in Norther Ireland that cover mods? I had to get my vtr highered agian there just because it was lowered and no1 would touch me! Near sure my mum tried quinn direct too. (as they sound good for mods) and as for Adrian Flux dont think they cover n.ireland
  84. Established Member Joined: Sep 2009 Leeds Posts: 1761 Mk2 Saxo VTR 2001 (Two tone silver)
    #84
    Quote:
    Originally Posted by Furio-92 View Post
    Nice thread mate, sick of seeing threads asking about this.
    This thread was started in december 2007!
  85. Established Member Joined: Aug 2008 suffolk Posts: 1102 saxomk2 vts 2001 blue. owned corsa,fiesta,pug 106,
    #85
    want hear somthing funny my gf bought a vtr with 14in speedline on it allready. direct line refused to insure the car till she 25 with aftermarket wheels they wanted 450quid. she changed to sheila wheels. aloys delcleared. 28oquid fully comp 6 years ncb protectecd me on it to. 250 excess.
  86. Infrequent Poster Joined: Nov 2008 Cornwall Posts: 219 Saxo Exclusive 1.4i
    #86
    My saxo hasn't got a spoiler....
    shall i declare if i put a standard MK1 on it?...
    will they fook me up if i don't?
  87. Infrequent Poster Joined: Oct 2010 Basildon Posts: 244 Mk1 Saxo 1.1 Vt Rep (sold),,,,, Mk1 Arosa 1.7Sdi
    #87
    i have a saxo 1.1 that i have vt*kitted and lowered so now need to update the insurance
    i am with adrian flux would it change my insurance much??
  88. Established Member Joined: Jan 2010 Bournemouth/Surrey Posts: 2458 Mk2 VTR
    #88
    Quote:
    Originally Posted by Reece1591 View Post
    i have a saxo 1.1 that i have vt*kitted and lowered so now need to update the insurance
    i am with adrian flux would it change my insurance much??

    My brother has just gone with Adrian Flux and he said something about they only raise the price of the insurance if you go over a certain bhp mark

    So all cosmetic mods have to be declared but won't affect your premium

    Im not 100% sure on this though
  89. Established Member Joined: Feb 2008 Posts: 1071
    #89
    i know when i was with quinn direct in 2007 and 2008 when i owned my bodykitted, lowered corsa, they did not care about the mods aslong as it did not affect the power. I have recently sold my saxo but i was 21 with 3 years no claims and with 3 points on my license (i received for speeding on a motorway) for a VTR with the alloys, lowering, interior changes and air filter all declared, elephant charged me £850 for the year
  90. Saxperience Addict Joined: Jan 2008 west london Posts: 13810
    #90
    Quote:
    Originally Posted by wadoryu View Post
    if you dont declare all of you modifiation your insurance is void. if your insurance is void youve got no insurance. if youve got no insurance and get pulled over you car gets crushed. so yeah declare your mods
    no it doesnt

    they seize your car and you have to pay to have it released. only if you leave the car with them it will eventually be crushed


    tbh, fuck the insurance companies. thieves in suits they are. its all about declaring with you cant get away with imo

    things i have declared: lowering, exhuast

    things i have not declared: seats, vts wheels, panel filter, hids, half tinted lights, dewiper, shorter aerial, flocked dash parts, audio, mk2 spoiler

    all quite subtle things which just go un-noticed
  91. Infrequent Poster Joined: Mar 2011 gloucester Posts: 211 Xsi 106 fiat bravo 1.8 ph2 saxo vts
    #91
    My insurgence on vts is £776 without mods and with its £1500
    Gti-6 brakes
    Lowered
    Strut braces
    Induction kit
    4-2-1
    Straight through
    And after market wheels
    Sound about right? I'm 21 with nearly 3years Ncb
    I dread to think when I tell them it's going to be turbo'd bet I can hear there hands rubbing together.
  92. Infrequent Poster Joined: Mar 2011 gloucester Posts: 211 Xsi 106 fiat bravo 1.8 ph2 saxo vts
    #92
    Also how they going to know if it's been mapped and cam etc
  93. Newbie Joined: Oct 2012 Chippenham Posts: 15 2001 Saxo VTS
    #93
    Im with aviva only 21 and paying 1295 a year with no mods (VTS) and i phoned them up today and asked how much extra it would be to add loads of mods and they didnt mind any of them apart from lowering the suspension which i have to pay £50 if i do and they wont renew my policy newxt year. Thought I'd mention it as its pretty good! Mights see if they would prefer uprated suspension instead. Oh and mods i quoted was:
    seats,
    exhaust,
    air filter,
    alloys,
    sound system.
  94. Regular Poster Joined: Feb 2009 Posts: 308
    #94
    Quote:
    Originally Posted by Jazakius View Post
    Im with aviva only 21 and paying 1295 a year with no mods (VTS) and i phoned them up today and asked how much extra it would be to add loads of mods and they didnt mind any of them apart from lowering the suspension which i have to pay £50 if i do and they wont renew my policy newxt year. Thought I'd mention it as its pretty good! Mights see if they would prefer uprated suspension instead. Oh and mods i quoted was:
    seats,
    exhaust,
    air filter,
    alloys,
    sound system.
    Posts like this are really helpful. It shows those who currently fraudulently non-disclose their modifications how easy it is.

    Good post, 10/10, good on you.

    Ollie
    Sky Insurance
  95. Established Member Joined: Feb 2011 Portsmouth, Hampshire Posts: 1631 Clio 172 Flamer
    #95
    Anyone know how good admiral are with mods? Looking to lower, alloys and exhaust.. I heard they dont insure anything over 40mm drop or something :s
  96. Established Member Joined: Mar 2011 Birmingham Posts: 2148 Rover BRM, Rover 800 Coupe, Mk6 golf.
    #96
    Quote:
    Originally Posted by Davyy View Post
    Anyone know how good admiral are with mods? Looking to lower, alloys and exhaust.. I heard they dont insure anything over 40mm drop or something :s
    Admiral were good, insured my vtr with a manifold, sports cat, cat back, lowered, updated brakes and they made me pay a mahoosive £0. I'm 21 too.
  97. Saxperience Hardcore! Joined: Oct 2008 Birtley Posts: 22253 VTR Turbo, 106 xsi track slag, Transit recovery, B
    #97
    depends on your age/area with admiral

    and type of mod

    same with most tbf