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Model specific boards => Golf mk3 => Topic started by: patch900 on 11 December 2006, 09:33

Title: Do you need to notify your insurance company if you tune ?
Post by: patch900 on 11 December 2006, 09:33

Hi,

What qualifies as altering the car enough so you have to notify your insurance company about the changes ?

Example, I guess changing alloys doesnt count and tuning the engine does but what about induction kits, suspension etc ?

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: Daz... on 11 December 2006, 09:36

ANY change should be declared to your insurance company. Even things like lights / grilles etc... the more you tell them the better it is if you have to claim. The last thing you want is to have some idiot hit you and then you don't get anything because the insurance company didn't know about your alloys or that you've lowered the car.

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: patch900 on 11 December 2006, 09:48

got a stainless exhaust, even that ?

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: rubjonny on 11 December 2006, 12:30

Yep EVERYTHING!
Most mods shouldn't make a difference to your premium, unless they improve the performance.  For a ss zaust I'd say it was bought as a longer lasting equivilant to the std zaust, not performance.  As long as it has the same number of silencers as per OEM, it should be fine :)

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: viktor on 11 December 2006, 12:31

Quote from: patch900 on 11 December 2006, 09:48

got a stainless exhaust, even that ?

Yeah, tell them everything. There was a friend of my manager and his car caught on fire. Insurance company didn't give him a penny cz he did not declare the modifications he had done.

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: patch900 on 11 December 2006, 12:40

Bloody insurance companies, will definately tell them. Last thing you want is them disputing any claim. Will make sure I make the value of the car up a bit when I say how much its worth  :grin:

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: martinb on 11 December 2006, 13:13

Quote from: patch900 on 11 December 2006, 12:40

Bloody insurance companies, will definately tell them. Last thing you want is them disputing any claim. Will make sure I make the value of the car up a bit when I say how much its worth  :grin:

You really need to make sure you go with a specialist if you are modding the car. They will tend to be more easy going with mods. Bear in mind that unless you have an "agreed value" on your insurance it does not matter how much you tell them the car is worth, chances are they will still pay you the "book price" anyway!

Martin  :smiley:

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: patch900 on 11 December 2006, 13:36

Cheers Martin,

I think someone recommended you to me a month or so ago but I had already sorted my insurance.

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: martinb on 11 December 2006, 14:20

no worries buddy, maybe next time  ;)

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: rubjonny on 11 December 2006, 14:25

That reminds me, whos that dodgy lookin geeza on your magazine advert page  :grin:

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: martinb on 11 December 2006, 14:28

lol which mag? if its Golf+ then its me (dodgy????  :laugh:), if its the add in PVW its Pete, our sales manager ie my boss!!!!  ;D

think they are on about changing them again soon.......

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: rubjonny on 11 December 2006, 14:31

Golf+ ;)
That car you're leaning on don't look much like a bright yellow corrado lol

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: martinb on 11 December 2006, 14:47

yeah my old mk2 turbo, i miss it......... :cry:

I think thats one of the reasons they wanna do new adds, i have sold that car and my boss has sold his mk2 from the other advert too!  :smiley:

the ones on our website need changing too:

https://www.hertsinsurance.com/golfandgolfgti.php

 ;D

Title: Re: Do you need to notify your insurance company if you tune ?
Post by: rubjonny on 11 December 2006, 16:00

get a pic of me & my motor 'wow look we even insured this werdo, you're in with a chance!'