Do you guys insure all your parts with your insurer, like coilovers, arms, wheels etc? Is their a specific company to use? Do you get ass raped on the premium?
All mods declared I use green light insurance, any mods I do if it's not power doesn't put insurance up.
It is illegal to not list mods and run them isnt it? Or its enough for the insurance to make your policy invalid if an issue occurs. My very first car I didnt insure the wheels, because I was told they would replace them with OEM wheels if something happened but raped me hundreds for the pleasure. Now all my stuff is declared. As a very cunty police woman figured it would be sweet to call my insurance and find out . It didnt actually make any difference to my policies declaring mods tho.
Never insured any of my mods on any of my cars over the 10 years I have been driving modified cars. Guess I have been lucky and not got into any trouble (where they havent asked me about mods anyway) and not had any accidents that involved me claiming.
Always declared mods myself. Can't remember how it came about but I once took out a modified policy on a daily mk4 golf cause it worked out cheaper than standard. I'm about £420 with everything declared on the S13 just now. Just piece of mind I ain't gonna get shit if the worst happens! Had trouble with an unnamed insurer before so ain't taking any shit with insurance companies.
It's not illegal, as your 3rd party is usually safe, but they will refuse to pay out on your parts but will pay out to the non modified version - - - Updated - - - Who you use mate?
Not declaring your mods, regardless of your opinions or reason, means your insurance is technically not valid. If it is no longer valid, then when you crash, the insurance pays the other person, and then sues you to reclaim that cost. If the police find out then you get fines and points. So basically. Declare your mods. This; Also includes tyres as far as I can see...
Honestly, unless you have a terrible driving history, or you are very young / inexperienced, it doesnt hurt your premium that much. When I got my current S14, the difference in premiums between my old bone-stock S14a and an S14 with bodykit, coilovers, exhaust, wheels, seat and harness was about £70, or 10-15% more. Plus, if you insure with some of the modified specialists, they will insure like for like on your mods.
Ive spent the last couple of years going between Sky Insurance and Adrian Flux - basically, keep telling them eachothers prices and see if they continue to drop. About 2.5 years ago for a bone stock S14a was about £680 with Sky. Kept at home in a garage, used every day, i was 21 with 2yr NCB. Renewed for about £630 at 22 wiith 3yr NCB. That got sold early last year and I bought my current zenki, dropped the mileage and ended up getting refunded a bit. Last week, for my zenki with bodykit, exhaust, coils, bucket seat, harness, and wheels - £565 with Flux. Im 23 with 4yrs NCB, but I have got it on limited mileage as its a second car now.
Insure your car properly, or dont and face the consequences. Everyone will think youre a cunt though We probably all pushed our luck a bit when we were 17 and didnt declare a backbox. But when its lots of power mods, coilovers, wheels etc etc etc its just stupid not to do it. You seem like the kind of person that would have an attitude when you get pulled over, so the police will probably feel obliged to dig further into your details and youll get fucked. If you cant afford a couple hundred quid extra on insurance, then this isnt the game for you.
Never declared on my Civic, took it on the chin when it went up in flames. Paid for the recovery and disposal once it was stripped of anything worth saving. Police officer at the scene was alright though, asked me if it was declared and I stayed quiet, as I was the only one involved it was just a telling off. Never declared on my last S14 and my insurers tracked it back through a photo of it put up by a page on Facebook. Happened to quite a lot of people but I sold the car before I had any consequences, just a letter telling me that my insurance was invalid and that it would be cancelled if I didn't do anything about it. I wouldn't do it again. If you're going to spend money on modifications it's 100% worth the extra money declaring.
Sky Insurance and Adrian Flux will be your best place to look - You cant get online quote so have to just give them a call. They both do club discounts as well, so name drop this forum to get some money off As with others, I risked it back when I had my clio at 17, but now i make sure everything is listed and decalared. Its nice to drive past a police car and not have to worry! Haha
I was always informed that not declaring mods was a civil matter and not a criminal matter meaning the police couldn't do anything. I think this would mean in the event of a total loss claim for a 3rd party the insurers may file a law suit against you if they so wished. This was pretty much backed up when I informed a copper of this civil/criminal matter when he enquired about my mods being declared. I wasn't a c*nt about it though and he didn't mention it again.
