Headlamp conversion ---- > insurance

[Cupra Turbo]

Just been checking my insurance policy online and if I click "yes add modifications" to the policy... HEADLAMPS are not a modification cos their not listed...

Now, I wanna add the Hella quad smoked headlight conversion to my mk3 in June/July time... so I wanna make sure about the insurance before hand... so I got bored today and did it.

Now, it lists these as mods... does "headlights" come under these? if not... im guessing I just leave it, as its an online policy!

Transmission changes  
Turbocharging
Valence - rear  
Wheel arches
Alloy wheels (optional extra)  
Blueprinting
Low pressure gas  
Windows - Front Darkened > 30%
Bonnet bulge/grill  
Brakes - uprated
Bull bars  Bodykit (non standard)
Windows - Tinted < 30%  
Engine chip 00-10% inc BHP
Engine chip 11-25% inc BHP  
Engine chip 26%+ inc BHP
Bodykit (optional extra)  
Dual controls
Engine - bored out  
Engine - non standard
Engine - other alterations  
Engine - standard replacement
Exhaust/manifold-non standard  
Exterior decorative changes
Filters (non standard)  
Alloy wheels (non standard)
Interior changes  
Body coloured bumpers
Rally/spot lights  
Respray (different colour)
Roll cage/Roll Bars  
Side skirts/sills
Spoiler - rear  
Windows - Rear Darkened > 30%
Spoiler/airdam - front  
Modification due to disability
Supercharging  
Suspension lowered (<5cm)
Suspension lowered (5-12.5cm)  
Suspension other (not lowered)


Anyone?

[carrie]

sounds like gestapo insurance ltd.
manufacturers optional extras as modifications!!!
replacing engine like for like a modification???
does cigarette ash in the ash tray list as a modification?
probably best to phone insurance company and check as they seem very extreme to me

[Cupra Turbo]

manufacturers optional extras as modifications!!!

doesnt mean it increases ya premium ... they'll probably replace the "mod" if u crash instead of putting the normal bit back on.

If u didnt tell them, they wouldnt replace it, they'd just give u the regular part back.

[carrie]

just seems excessive to me my partner has a bmw and the optional extras list fills a page, also how would you know if it was an optional extra unless you have the original sales brocures.

[Cupra Turbo]

cos its usually obvious

SAT NAV for instance is an obvious option on a 1.4E Golf.

Alloys are an obvious option on a 1.1 Metro.

im sure the owners manual lists whats standard ... therefore u can see whats not standard.

[carrie]

yeah on them its obvious but a 740i with a nasa control dash board it may be harder to tell

[Cupra Turbo]

Nasa control??? wtf? does it do moon landing? lol


anywayz... it aint listed online so I aint saying owt .. ill just say "ur an online company, my policy is online and u dont have headlights listed as a mod" if i crash or sum1 crashes into me...

[Overseer]

"Exterior decorative changes "

it'd come under that black_gti

[Jo_Cabriolet]

Hey black ei

YTour with elephant same as mine. You have to send them an email and inform them that you are changing your headlamsp. They will charge about 50? on top of your premium and if they get written off nicked wtahever you get nothing back.

Yay cheap online insurance

[Cupra Turbo]

?50? plus admin? ... bleh... tho its cheaper than the 57i induction kit...