What do the insuranc company need to know?

1. samkemp91 L-plater Joined: Oct 2010 Posts: 71

   #1 5th October 2010, 15:06

   hi
   
   what items do you have to declare or should you declare if you have a crash to the insurance company.
   
   If i wanted to add to my car:
   
   1. strut brace
   2. cold air inflow pipe
   3. induction kit
   
   
   rgds
2. user_42814 Established Member Joined: Mar 2010 Huddersfield Posts: 1159 Focus mk2 zs, 1.8

   #2 5th October 2010, 15:07

   declare it all mate, better in the long run that way, otherwise youll be fucked if you crash and they find that in your engine, just gives tem an esxcuse not to pay out.
3. Quick Saxperience Post Whore Joined: Mar 2003 United Kingdom (England) Posts: 7064

   #3 5th October 2010, 15:33

   Basically anything that is changed from orginal spec.
4. lharrowing Frequent Poster Joined: Nov 2008 norwich Posts: 941 Citroen Saxo Westcoast MK1

   #4 5th October 2010, 16:59

   anything thats not a standard oem part if your car doesntt come with vtr alloys you can tell them but they class it as an oem part its just aftermarket parts. worth being covered
5. Goldy7 L-plater Joined: Sep 2010 Posts: 89

   #5 5th October 2010, 23:58

   Well in all honesty there are some modifications you dont have to declare, like internal engine mods.. When i crashed my car, it had alloys, S/S exhaust, stripped out, removed airbags etc etc. And it was never checked even tho i wrote off my car and another lol.
6. Goldy7 L-plater Joined: Sep 2010 Posts: 89

   #6 5th October 2010, 23:59

   PS i didnt declare any of the above.
7. user_16747 Banned Joined: Jul 2007 Posts: 4328

   #7 6th October 2010, 00:12

   Quote:

   Originally Posted by Goldy7 PS i didnt declare any of the above.

   then you were very lucky.
   Declare everything as said that wasnt fitted to the car when it rolled off the production line.
   
   If you cant afford the premium hike that comes with adding a mod then dont fit it!
8. samkemp91 L-plater Joined: Oct 2010 Posts: 71

   #8 6th October 2010, 10:51

   mixed emotions among the forum! :-)
   thanks for the info ladies and gents, it's quite a grey area i think personally. what is a modification? does it mean performance, how it looks, or both?
9. Mochachino Saxperience Hardcore! Joined: Nov 2007 Guantanamo Bay Posts: 28700 oyster card

   #9 6th October 2010, 11:04

   Quote:

   Originally Posted by samkemp91 what is a modification? Does it mean performance, how it looks, or both?

   =
   
   

   Quote:

   Originally Posted by swampy declare everything as said that wasnt fitted to the car when it rolled off the production line.

   +
   
   

   Quote:

   Originally Posted by lharrowing anything thats not a standard oem part if your car

   +
   
   

   Quote:

   Originally Posted by quick basically anything that is changed from orginal spec.

10. scottyr_VTR Infrequent Poster Joined: Jan 2010 Newcastle Posts: 114 Saxo VTR MK2 , Peugeot 106

    #10 6th October 2010, 14:51

    a modification is anything that you are upgrading from the standard component of the car . always works best in the long run to just declare it all mate
    
    scotty r
11. Goose Frequent Poster Joined: Jan 2010 Newcastle Posts: 526 BMW E46 Touring Breaking VTS

    #11 6th October 2010, 14:53

    Technically even if you had a sticker not declared they could refuse to pay out in an acident.
    
    Anything that isnt on the car when it rolled out factory is a mod.
12. user_34090 Established Member Joined: May 2009 Devizes Posts: 2280 Blue Clio 172 Cup

    #12 6th October 2010, 18:05

    i didnt declare my interior, vts one, or vtr wheels 'as all the cars that look like mine have them'
    I would declare anything i couldnt take out easily andswap to standard quickly
13. 3cott Saxperience Forum Bum Joined: Mar 2008 Rotherham Posts: 4614 Black mk2 vts

    #13 6th October 2010, 18:19

    Ide declare every thing tbh
14. Quick Saxperience Post Whore Joined: Mar 2003 United Kingdom (England) Posts: 7064

    #14 6th October 2010, 21:12

    Quote:

    Originally Posted by piranhamatt i didnt declare my interior, vts one, or vtr wheels 'as all the cars that look like mine have them' I would declare anything i couldnt take out easily andswap to standard quickly

    
    Hard to swop parts after car has had a major crash and is impounded!
15. user_15989 Saxperience Forum Bum Joined: May 2007 Posts: 4857

    #15 6th October 2010, 21:19

    You have to declare everything legally speaking. Unless your police list something as an exception. For example a common one with many polices will allow sound systems up to a given value. If you read your police it will already list any exceptions that you will not have to declare.
16. user_34090 Established Member Joined: May 2009 Devizes Posts: 2280 Blue Clio 172 Cup

    #16 7th October 2010, 01:36

    i prefer to read my fire brigade
17. Gordon Frequent Poster Joined: Oct 2008 Posts: 543 Phase-II VTR

    #17 7th October 2010, 10:55

    Quote:

    Originally Posted by piranhamatt i prefer to read my fire brigade

    LOL!
    
    It's a legal requirement to declare everything that is changed from standard. It doesn't even have to be an upgrade (ie, if you stick a 1.1 engine into a VTR)
    
    Basically, if something is on there/changed from how it came as brand spanking new, it needs declaring or a: your insurance might not pay out and b: technically you're driving uninsured and Mr Po Po doesn't take kindly to that.
18. EwynSaxo Established Member Joined: Dec 2008 Penpedairheol/Cascade/Bargoed Posts: 2104 Furio R.I.P, onyx Gti, astra turbo

    #18 7th October 2010, 22:43

    insurance company didnt notice my saxo was colour coded just offered me top book