Revo and insurance implications

[rickardo]

Dont mean to be pidantic, but where do you draw the line with declaring mods to insurance companies.  I went to fit a rear spoiler on my mk 4 and because it was a deviation for the original manufactures spec they wouldn't entertain it (main stream insurer; Big red remote controlled phone).  Hence spoiler is still in bubble wrap in garage.  

So are the rabbit badge, fabia wiper, and wood trim (from a turbo, mines a non-t) all deamed as mods and invalidate my insurance.

If so, f@$k me, the UK is soooo Fu$ked up.

any advice

[GaryM]

I suppose anything that makes your car look like something it isnt - ie adding a GTI badge, smoked rear lights and clolour coding the strips to a  1.6 to make it look like a GTI is enhancing the chances of it being stolen so therefore should be declared. Performance mods should also be declared for obvious reasons.
If you are unsure then just phone your insurance company, it could save you a little heartache when you need to claim.

[kniterider]

this is where the rules are strange, if u say u bought car like that and previous owner told you it was standard i dont know how youd stand
insurers will try to find any way to get out of settling a claim!!

[topher]

when I changed policies I was asked, and I quote: "To your knowledge are there any modifications to the vehicle ?" don't know how that'd stand up in court mind lol

[svartalf]

aye -  I'm not ignorance is a defence. And if the worst happened I'm not sure I'd fancy finding out....

[Terminator]

I echo what has been said about declaring mods and also what was said earlier about Liverpool Victoria. Their Website gives the impression that they will not entertain mods but they will if you phone them and providing the mods do not increase engine cc they will entertain up to ten.

[svartalf]

Liverpool Victoria seem to be the one to go for. Admiral wouldn't entertain me for a bhp increase of over 25% but Liverpool Victoria were fine. All they were concerned about was whether it had the original engine or not.

[papperbear]

Its not worth the heartache ....  before my mk 4 GTI T I had a BMW which was modded (full exhaust, upgraded alloys, chipped and K&N filter) and I chose not to tell my insurance company.

I was involved in a crash, which wrote the car off and I panicing for months waiting for the news from the insurance assessor.  I can tell you from experience that it's not worth the worry.   But saying that I've got the anniversay rabbit badge on the back of mine and I havent even thought that this was a mod!?!

[papperbear]

.... just been thinking about this some more and I'd rather go for a car with a bigger standard BHP, ie the anniversay GTI rather than the standard if I wanted to have a more powerful car.  I know it's not a cheap alternative but legal at least.

[golfvr6]

Technically you should tell your insurance company about anything that isn't original stock parts.
That means if you change your suspension for a new even standard suspension from say GSF then you could technically invalidate your insurance.
Isn't that right red16v?