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vinnyvangough

FEC and Adrian Flux Insurance

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What is your problem Ash?

I have explained that you mis-understood what i had put and i have explained in simple terms what i meant. So why the nit picking?

 

the problem was originally your 2 posts you put contradicted each other then said that i was wrong

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OMFG !

As Vinny said, "If you have declared all mods to them you can do what you want performance wise.", ie, if you declare all mods (including performance mods) you are free to add/mod your car and your insurance will continue to be valid, cost more but still valid assuming they are willing to insure you.

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Spoke to a copper today and got onto the subject of cars and he said that they dont class alloys and bodykit as mods

 

And another thing does that link do the 15% discount when you get a quote as i got a quote for 1600 with mods declared and seeming im paying 1200 at the mo all mods decalred it seemed a bit steep

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LMFAO!, here you go then say i have declared visual modifications ie bodykit alloys, and then i do what i want performance, i strap a turbo to a standard non turbo factory fitted engine because i have done what i want, would the insurance pay out if something happened??

 

how can you declare mods you haven't done to your car to the insurance?

 

so what your saying is if i apply for insurance on a car and declare absolutely every modification out there is to do to the car, i can do any of them i wished?

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Spoke to a copper today and got onto the subject of cars and he said that they dont class alloys and bodykit as mods

 

And another thing does that link do the 15% discount when you get a quote as i got a quote for 1600 with mods declared and seeming im paying 1200 at the mo all mods decalred it seemed a bit steep

 

hmmm i got pulled over in my old escort and he pointed out every mod and said are they all declared for :/ bodykit alloys tinted windows diff light clusters air filter exhaust...

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LMFAO!, here you go then say i have declared visual modifications ie bodykit alloys, and then i do what i want performance, i strap a turbo to a standard non turbo factory fitted engine because i have done what i want, would the insurance pay out if something happened??

 

how can you declare mods you haven't done to your car to the insurance?

 

so what your saying is if i apply for insurance on a car and declare absolutely every modification out there is to do to the car, i can do any of them i wished?

 

No they wouldn't because you havn't declared them.

 

Thats what i am saying. Declare ALL the mods you have done.

 

If you then fit a turbo, you would have to ring the insurance company, tell them you have fitted a turbo, then they would tell how much extra, if any, you would have to pay. Bearing in mind they could turn round and tell you that they will now not insure you and then void your insurance.

 

Also why would you declare mods you havn't done?

 

And as for your 3rd point, where have i ever said you can do that?

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Maybe I wasn't clear enough earlier, if you declare all mods each and every time you make one and the insurance company agree to honour the contract, then in theory, you can do what you want to the car. The overall quote will go up in price, some insurers may refuse to cover you, some don't care as long as you meet their costs. Essentially, if you are willing to declare all mods then you can do what you want, be it performance, visual, safety, whatever.

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Hiya,

 

Just to clear up any confusion ALL modifications have to be declared to your insurer / broker regardless. Anything that is non-standard when it left the manufacturer should be mentioned although in many cases it won’t affect your premium – in fact modifications can in certain cases reduce the premium.

Depending on the insurer, the modifications done may have an impact on the premium. In some instances we have a number of schemes with specialist underwriters, where modifying your car can result in cheaper premiums as they feel the owner is more of an enthusiast and more inclined to look after their car.

 

Thanks

Dan

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w

Hiya,

 

Just to clear up any confusion ALL modifications have to be declared to your insurer / broker regardless. Anything that is non-standard when it left the manufacturer should be mentioned although in many cases it won’t affect your premium – in fact modifications can in certain cases reduce the premium.

Depending on the insurer, the modifications done may have an impact on the premium. In some instances we have a number of schemes with specialist underwriters, where modifying your car can result in cheaper premiums as they feel the owner is more of an enthusiast and more inclined to look after their car.

 

Thanks

Dan

what type of mods would be likely to bring your insurance down then? :cool:

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