Performance Pack or Not? Have you?

[AAddict]

PP should be in a lower group IMO, it stops better and is less likely to understeer off the road. 

[p3asa]

Don't insurance companies go on the base model of the car? After all, PP is an optional extra, not part of the basic set-up. Or do you have to tell them its an enhancement in performance I wonder?

In theory your meant to declare all options that has been added to the car from the factory.
I doubt anyone ever does though.

[matchboy]

Don't insurance companies go on the base model of the car? After all, PP is an optional extra, not part of the basic set-up. Or do you have to tell them its an enhancement in performance I wonder?

In theory your meant to declare all options that has been added to the car from the factory.
I doubt anyone ever does though.

I always declare the lot  - for the sake of a few extra quid its not worth invalidating your insurance and/or giving them a reason not to pay out should you need to claim. 

[p3asa]

Sorry I meant to say added to the car at the factory!!

Yeah you would be mad not to declare mods after it left.

[AAddict]

In my experience they never care about anything you've specced on a new build, only stuff that's been added at a later date.

[Exonian]

PP should be in a lower group IMO, it stops better and is less likely to understeer off the road. 

I like your style!! 

Don't insurance companies go on the base model of the car? After all, PP is an optional extra, not part of the basic set-up. Or do you have to tell them its an enhancement in performance I wonder?

In theory your meant to declare all options that has been added to the car from the factory.
I doubt anyone ever does though.

I think it always wise to as it doesn't always load up the premium that much, especially if you have things like xenons and nav as if you don't declare them you can't ask for a like for like replacement or settlement figure to match the higher cost of the car's spec.

[Bill_the_Bear]

I think it always wise to as it doesn't always load up the premium that much, especially if you have things like xenons and nav as if you don't declare them you can't ask for a like for like replacement or settlement figure to match the higher cost of the car's spec.

I've never been asked anything other than the car 'value' by the insurance companies.  Wouldn't this cover it?  So if you bought a 20k vehicle and added 2k of options you just tell them the value is 22k when they ask and you're good to go?

On the other hand I suppose the specifics of the extras might make the vehicle more or less likely to be pinched/vandalised/involved in a RTA... but I just can't imagine they have the data or ability to actually weigh up the risk of a stock car vs. one with sat nav and leather vs. with sat nav and PP etcetera and so on and so forth... That is going to be thousands of combinations, apart from anything else there just won't be enough cars on the road to give enough data because in any one area there might only be 2-3 of the same model, all with different specs and different kinds of drivers, so how can you possibly say what would happen to the risk if you added that sunroof or not?  Sounds more trouble than its worth to me.

[Gryzor]

I've only ever declared value, because that's all that matters.  There is nowhere to record extras for a reason.  If you need to make a total loss claim, any extras and whatnot from the invoice will be taken into consideration when determining what to pay out.

Regarding the Performance Pack though, just look out for what cars appear on the selection list when getting your insurance.  If they only list the 217bhp version, then that's what you go with.  The PP is a factory option, so you are not modifying the car from the manufacturers specification.

[Exonian]

I've often been asked if the car is different from the factory basic spec and I like them to know I'd want my xenons and leather and nav all included in whatever they settle with me. I always speak to the ins co on the phone to make sure both sides requirements are clear.
And also because I have a habit of running non standard wheels and other modifications that tend to make the insurance company sit up and take notice!!

[TurboTrev]

I'll put money on it that insurance companies will have 2 GTIs listed (probably in 2 different insurance groups) a 220ps version and a 230ps version.