Re mapping & Insurance

[Jimmymature]

Hi guys, do what is your experience with the insurance companies when you ring to advise of a tuning modification or is it simply a case of keeping it on the quiet and hoping you get get caught when accident etc?

If you do update them what happened to your premiums?

Thanks in advance.



Jim

[AlanEdition30]

i would say alot of insurance companies will simply refuse to take on a modded car, or increase the price by £1000's, however there are a few companies who are more modding friendly, the two i know of are greenlight and adrian flux.

I think its best to declare all mods if possible as insurance companies will try and find any excuse to not have to pay out, just my opinion of course. 

[Wayne]

Always declare mods, your a mug if you don't

[Steve30]

Your not insured if you dont declair the modification to your engine simples really 

[Jimmymature]

Your not insured if you dont declair the modification to your engine simples really 

Yeah I get that, my question really is about what do they normally charge for the changes?

[mick ov mids]

it's impossible to say what an insurance company will charge for mod's as all company's charge different price's, id ring your insurance for a quote on diffrent mod's before actually going ahead with them, declairing mod's is a must as if some arsehole smash's into you i garantee your insurance will use your undeclared mod's as a way of getting out of paying out,hope this help's?




mick

[DMcG]

On my previous VRS with stage 1, intake, forge dv arbs and poly bushes I think it went up just over £100

[Jimmymature]

Thanks for the advice guys

[stealthwolf]

Depends. With directline, any mods were a no-no.

With a modfriendly insurer, I pay no premiums for any cosmetic/safety mods (eg brakes, ARBs, tinted windows etc) but a premium for performance upgrades. Mine charged me £50 for stage 1 remap. £20 admin every time I ring up to add a mod.

[AlanD]

Greenlight are pretty good and are a forum sponsor, I used to be with them. I lost the ability to be with Greenlight and am now with Bell who were happy to take me on with mods.