Looks like a new car may be needed :( bloody insurance ;(

[Wayne]

The whole declaring your mods is just another way of getting money out of you for nothing and they never pay out the full whack anyway only ever book value unless its agreed value.

Yes but they will null and void you policy if they find out, it is never worth the risk.

I mean your wheels are genuine vw why would that be classed as a Mod and the remap etc how would they know that.

You have a point with the wheels but they were not fitted from new so are a mod, remap wise if you have a crash they will I am sure check.

[cubz]

just insured me and the mrs on 1.8t for £340 were both 26 and 4y ncd lools like mine was cheap compared to the rest...

[barrym381]

just insured me and the mrs on 1.8t for £340 were both 26 and 4y ncd lools like mine was cheap compared to the rest...

nearly as cheap as my 1.8t 

[Wazzzer]

agreed value is only about £15 a year...

[tdi_blu]

If genuine vw alloys are classed as a modification even though there a vw standard part on a certian model of vw how would you stand if you dont use vw brake pads,engine oil or light bulbs do you need to tell them this  Admiral have classed my mods as optional factory extras or something along that ground cost me £23 extra anyway robbing gits.

[Wayne]

If genuine vw alloys are classed as a modification even though there a vw standard part on a certian model of vw how would you stand if you dont use vw brake pads,engine oil or light bulbs do you need to tell them this.

That is the wrong way of looking at it, if it did not leave the factory with them it is a mod plain and simple.

[Steve_PD]

So when a car has cruse control, xenons, wheels or leather fitted by the DEALERS and not at the factory is that classed as a mod? As a lot of options can be fitted at the dealers

[tdi_blu]

I just disagree with the whole insurance setup at the moment its been run by MAFIA they just pick a random price out the sky and its all one way traffic.You never get rewarded for not claiming and they punish everyone for other stupid drivers and fruadsters.Ive got 12 years NCB no claims no accidents and my insurance never goes down.I buy a etstate 100bhp and sell my Gt-tdi 115bhp and they want £100 more cause its 15bhp less its just plain and simple robbery without the masks.

[stfc_gti]

had a call from my current insurer in regards to my renewal next month, its actually gone down, which is a surprise.

[Wazzzer]

mine was around £450 this year; all mods declared, lost count of how many years no claims I've got, I'm 33 and live on a rock