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Taken from over on TS, posted by someone i know personally and trust not to make things up, its what i've been saying for a long time and now its happened to someone i know.
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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ask before modding always works for me.
"proper" modified insurance doesn't care anyway, you just keep telling them and the premium never goes up.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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kee
Posted a lot
Posts: 4,991
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got all mine declared now. i wonder how far they would take it though. the obvious mods like alloys, lowering etc. can do this but can things like steering wheels and wing mirrors have this effect?
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Declaring modifications would mostly mean an increase in premium wouldn't it? However, anything I am doing is only improving the car. For instance, the alloy wheels I have fitted, nothing special about them, but they are nearly twice as wide as the original steels. To me, that's an improvment! More rubber on the road. Plus the bigger brakes, stiffer suspension, all improvments on a 1982 car. As mentioned above, mirrors? I'm putting on nova wing mirrors, mainly because they look better and are colour coded But, also, they're bigger mirrors, and more adjustable - improvment?
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Mk1 Astra
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Declaring modificationsBenzBoy
@benzboy
Club Retro Rides Member 7
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I don't think insurers hike up the policy for every little thing - depends on the insurer and policy I suppose. Like AK said, if you have proper modified insurance, it's geared up for people continually making mods and so won't increase for every single change.
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30psi
Posted a lot
Posts: 1,024
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Your 'improvements' in your opinion make your car better.
But what generally something like improved brakes actually mean is that you're more likely to drive on the limit of the car. You upgraded them so are more likely to rely on them and subsequently use them more, i.e. by driving faster.
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1962 Ford Thunderbird 6.4L
1981 Datsun Bluebird SSS CA18DET
1981 Datsun Bluebird SSS SR20DE
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timasorus
Club Retro Rides Member
Posts: 439
Club RR Member Number: 90
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Declaring modificationstimasorus
@timasorus
Club Retro Rides Member 90
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Your 'improvements' in your opinion make your car better. But what generally something like improved brakes actually mean is that you're more likely to drive on the limit of the car. You upgraded them so are more likely to rely on them and subsequently use them more, I.e. by driving faster. you are right don't get me wrong i love modded cars but as soon as a put alloys on my car i pushed even further
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banditos ahoy!
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bazzateer
Posted a lot
Imping along sans Vogue
Posts: 3,653
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Alloys etc also make the car more attractive to low-life thieving barstewards. Nova wing mirrors? Thought they only had door mirrors
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1968 Singer Chamois Sport 1972 Sunbeam Imp Sport 1976 Datsun 260Z 2+2 1998 Peugeot Boxer Pilote motorhome 2003 Rover 75 1.8 Club SE (daily) 2006 MG ZT 190+ (another daily) 2007 BMW 530d Touring M Sport (tow car)
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Haha, door mirrors. Good point!! The alloys are from a mid 90's Corsa, so not exactly attractive!! Brakes, well, they are just newer?
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Mk1 Astra
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markbognor
South East
Posts: 9,970
Club RR Member Number: 56
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Declaring modificationsmarkbognor
@markbognor
Club Retro Rides Member 56
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My insurance company haven't batted an eyelid at alloy wheels, no extra charge, they just wanted to know that they are on there.
[vent]They wont however allow any other mods though. And I now wont be getting a years no claims added, because I have made a windscreen claim!! Barstewards[/vent]
Its all Iggy's fault.
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I dunno about anyone elses insurance, But I'm with HIC! I just keep reeling off the mods and they never seem bothered. Only one they took a double take on was the engine in the Fiesta, from a 1100 to a 1600 100% power increase. But that wasnt an issue for them and insurance is still cheap IMO.
They did say most the parts that came from other Ford's in the case of my Sierra and Fiesta i.e Ghia/Rs interior, XR brakes, Ghia bumpers, KA wheels etc etc they wasnt too bothered about cause they were still ford parts! Which i found odd, u fit KA wheels to a fiesta and don't get custom studs and they're gonna fall off real fast! lol
I declair everything down to stickers and dustcaps! If they're not bothred it's up to them, but I'm in the clear
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The vehicle doesn't have to be modified for this to be the case.
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I read in the Daily Telegraph (so it might be true) of a woman being invalidated on her insurance due to the number of stickers on the car. Another guy was invalidated because his Cavalier 1.6GL had the SRi boot spoiler on it from when it had a boot lid swapped for one off a scrapper or something.
This was both the same insurance company and there were other examples I forget now. Some companies are far worse than others.
There is more to insurance than just getting the cheapest possible renewal premium.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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MWF
Posted a lot
Posts: 2,945
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It's something that seems to vary a lot depending on the insurance company in question. A friend of mine had a lengthy discussion with Adrian Flux a few years back about what they'd think about certain mods to a Mk1 Astra he was building.
At the time their policies were clear but a little odd in places. For example they had no problem with the potential power output of the engine, however a capacity increase was a problem. It was dependant on the cars body shell too, so if the shell was originally 1.3 they weren't happy with a 1.8 going in, even if the 1.8 model shared the exact same body shell design.
Roll cage, bucket seats and harnesses also flagged up issues.
Of course I appreciate his experience may have been down the individual he spoke to.
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:-XYep, everything declared on mine, down to the steering wheel & different seat. Made it a bit more than a standard car, but pretty good given that the engine has been changed & modified as well. Asked about a cage & harnesses & got the reply 'sounds interesting, give us a call when you've got it built & we can sort it' With Adrian Flux
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30psi
Posted a lot
Posts: 1,024
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The problem is Adrian Flux is a broker and as such calculate a premium based on the rates supplied to them by an insurer. In unusual circumstances the underwriters can come back and deny a policy or what to change the terms.
An example is that a certain insurer was refusing or refering insurance following the take up of business from a broker. The broker wasn't checking the write off history of a vehicle at point of sale, but the insurer was doing this a few days later, and then decided to cancel the policy if they didn't like the results.
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Last Edit: Aug 4, 2009 10:26:05 GMT by 30psi
1962 Ford Thunderbird 6.4L
1981 Datsun Bluebird SSS CA18DET
1981 Datsun Bluebird SSS SR20DE
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luckygti
Posted a lot
I need to try harder!
Posts: 4,912
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Insuring the Merc was a royal PITA as I got quotes before I bought the car, insured it to pick it up and then info'd the insurance company of the changes when I got home. They cancelled the insurance as they didn't do 'modified' Then spent 2-3 weeks trying to get insurance, not just cheaply but period, as the car isn't old enough (1991) or worth enough to justify the extra expense for them! It now costs more to insure than the van (same age and mods, worth 4x more)
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MrBen
Part of things
Posts: 89
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My insurance company haven't batted an eyelid at alloy wheels, no extra charge, they just wanted to know that they are on there. [vent]They wont however allow any other mods though. And I now wont be getting a years no claims added, because I have made a windscreen claim!! Barstewards[/vent] Its all Iggy's fault. Windscreen claims don't generally effect no claims bonus, I've never seen a policy where they do.
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Toy: 2001 Porsche Boxster S - almost retro! Daily: Modern BMW 435i - less exciting but quick!
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Tim
Posted a lot
Posts: 3,340
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My insurance company haven't batted an eyelid at alloy wheels, no extra charge, they just wanted to know that they are on there. [vent]They wont however allow any other mods though. And I now wont be getting a years no claims added, because I have made a windscreen claim!! Barstewards[/vent] Its all Iggy's fault. Windscreen claims don't generally effect no claims bonus, I've never seen a policy where they do. If you havnt got windscreen cover, you have to claim it as (effectively) own-fault damage.
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markbognor
South East
Posts: 9,970
Club RR Member Number: 56
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Declaring modificationsmarkbognor
@markbognor
Club Retro Rides Member 56
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Yeah i had windscreen cover. They are not voiding my 4years NCB, only what I would have earnt this year so I suppose it could be worse.
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