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I think just to cover yourself, mention all mods to your insurance company ...at least you know you covered regardless of what happens.....maybe draw the line at the focusST owners club stickers tho
 

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i had insurance try and not pay out because i had the 555 decals on my 555 impreza.

tried to tell me it was a modification which tbh it was but i asked about company vans having stickers on them.

they said no that is advertisement for there company so not a modification. i said well im advertising that i have a 555 impreza so its not a mod.

they overlooked it eventually but technically even stickers should be declared.
 

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i got my payout but the funny thing was it came from japan with tein coilovers light weight wheels,hks mushroom all the usual jap tuning stuff and nothing was said about that but because i had stickers on the side they didn't want to payout.

anyway my point was that anything changed from factory spec should be declared.
 

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Captain Slow
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ANYTHING that is NOT standard should be declared
. I'd rather have piece of mind knowing that I'm covered for the things I've done to the car rather than risk it.
 

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Banned
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Seem to be alot of people willing to take a risk in this area. Quite often there won't be an additional cost to your policy, but still people don't tell their insurers. Bottom line is if money is so tight don't do it. If your insurers don't like it, don't do it. If your too young, don't do it.

From what I'm readonth site as a whole there's alot of people taking massive risks. Your policy can still be canceled after an accident. If you have ANY insurance policy canceled by an insurer it will increase your premium. There's a question asked on any proposal, motor, life or anything- "Have you ever had a policy of insurance canceled?".

The only time an insurer cancels a policy is when you lie to them, ie comitting fraud.
 

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Even on vans you have to declare signwriting and yes... it puts your premium up...
Most insurers will only add 20 to 3p quid for grills, fogs , diffusers etc but they may not cover them like for like.
Why wouldnt you do it for that kind of money ?
 

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does fitting a rear diffuser mean that your insurance should be told,
Definately declare it mate its just not worth the risk of an underwriter rejecting the claim based on non disclosed parts. If your current insurer are unable to cover the mods I could happily run a quote through for you under our modified scheme. You would then be able to add the mods you wish to accross the year.

If you check out our forum section you will see our prices and service are good.

We cover all your mods like for like as well should a claim occur.

Drop me a PM with your contact details if you wanted me to run an indication quote through for you.

Best Regards
Neil
Greenlight Insurance
01277 376000
 

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I always declare everything as insurance company's will use anything to get out of paying out
To be fair, if you were in the business of gambling on risk and that risk was mis-represented (mods not declared), would you pay out?

It really isn't rocket science - declare ANY change made to the vehicle from when it left the manufacturers factory, YES, it really is that simple.

There are plenty of insurers who cater for and even prefer modified car insurance.

http://www.skyinsurance.co.uk/modified-car-insurance.html
 

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they overlooked it eventually but technically even stickers should be declared.
On this, from an insurers perspective, there is a difference in risk between a car with full rally decals over a standard example. Which one is most likely to be broken into or vandalised? Having said that, it's unlikely a good specialist insurer would load for the decals.
 

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Id definately list them. They would not effect the premium at all but at least if a claim occured and say you optional extra alloy wheels fitted that were stolen they would be replaced with the correct ones.

I know the ST doesnt have optional extra alloys but just used that as an example.

Best Regards
Neil
Greenlight
 

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Id definately list them. They would not effect the premium at all but at least if a claim occured and say you optional extra alloy wheels fitted that were stolen they would be replaced with the correct ones.

I know the ST doesnt have optional extra alloys but just used that as an example.

Best Regards
Neil
Greenlight
Fair enough, I always wondered if it was just the Admiral Group (past experience) that requested them, as they mention the chilli and pepper packs for the Mini specifically. Wonder how many ST owners on here haven't declared their factory fitted SatNav that have it?
 

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Do you guys require that even factory fitted optional extras are declared? I know some insurers do ask this.
Yes, we'd like to know but they will not effect premium and are covered once disclosed.

Thanks

Ollie
Sky Insurance

Tel: 03303 331250
 

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Yes, we'd like to know but they will not effect premium and are covered once disclosed.

Thanks

Ollie
Sky Insurance

Tel: 03303 331250
Hi Ollie,

I'm awaiting delivery on a rear diffuser, when I give you a call about it, will it make any difference to my premium, or will you charge me an administration charge for informing you?
 
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