Insurance and Modifications - Civinfo
 
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post #1 of 14 (permalink) Old 31st January 2015, 08:43 Thread Starter
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Insurance and Modifications

Hi all,

My insurance policy on my 07 Type S is coming up at the end of the month but I'm confused over what I have to declare as a modification. I bought my car in December 13 from the Honda dealer in Bedford and have since found out that the following items are not standard and I was not told this by the dealer so no declarations were made to my insurance company at the time:

1) Standard Body Kit Colour coded
2) Type R grill fitted
3) GP Splitter fitted to the front

I have since made the following cosmetic changes to the car:

4) Fitted rally style mud flaps (group buy from here)
5) Fitted alternative 17" Honda Alloys which have the same rolling radius of the 17" stock rims removed. My existing insurance company said don't need to declare this as still Honda wheels with same rolling radius.
6) Fitted gaiter and type R gear knob
7) Have had the wing mirror caps and GP splitter sprayed black.
8) Fitted hands free kit
9) Fitted footwell LEDs
10) Upgraded bulbs using Mr JPs kit.
11) I am now looking to replace the stock radio with a Pioneer AVH X2700BT over the next few weeks.

I normally use the usual comparison sites as my previous cars have always remained stock but the declared mods section isn't prescriptive enough for the above list and when you click "others" the quoted premiums go from 300 to 600+

Are all of the above considered to be mods and if so I guess I'm back to having to call around in which case which companies do you recommend who won't load my premium unnecessarily for minor cosmetic mods?

For info the car in terms of power remains stock out of the factory.

Thanks for any guidance.

Cheers
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post #2 of 14 (permalink) Old 31st January 2015, 08:56
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Phone up the specialists and get modified cover.
My quotes where all over 1k on comparison sites but sky quote 770 and thats with me declaring mods. Guy said to phone and tell them of any mods i do in future & only big bhp increases will really affect my premium.
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post #3 of 14 (permalink) Old 31st January 2015, 08:59 Thread Starter
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Phone up the specialists and get modified cover.
My quotes where all over 1k on comparison sites but sky quote 770 and thats with me declaring mods. Guy said to phone and tell them of any mods i do in future & only big bhp increases will really affect my premium.
Thanks for your reply I'll do that. When I called my insurance company about the change in the wheels they didn't know so though the other stuff might be considered too minor. Hopefully I'll get better quotes then as I've done nothing to the car power wise it's totally stock.

Cheers
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post #4 of 14 (permalink) Old 31st January 2015, 09:31
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You really need a specialist modified insurer, there are several on here. Even aesthetic mods, eg aftermarket wheels, will increase risk making it more attractive to thieves.

Rule of thumb with modding...DECLARE EVERYTHING.

A good modified insurer will replace new for old, and if you haven't declared summat, you could be in trouble. Least case - you don't get paid out for it, worst case - your insurance could be void !


Greenlight are very good, and you could try Adrian Flux and Chris Knott.
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post #5 of 14 (permalink) Old 31st January 2015, 09:45 Thread Starter
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Originally Posted by messiahontrial View Post
You really need a specialist modified insurer, there are several on here. Even aesthetic mods, eg aftermarket wheels, will increase risk making it more attractive to thieves.

Rule of thumb with modding...DECLARE EVERYTHING.

A good modified insurer will replace new for old, and if you haven't declared summat, you could be in trouble. Least case - you don't get paid out for it, worst case - your insurance could be void !


Greenlight are very good, and you could try Adrian Flux and Chris Knott.
Thanks for this, my initial concerns were the Honda Dealer not declaring to me that I had bought a modified car in the first place off their approved used scheme. It was only joining this forum I started to realise the first 3 items were non stock items on the car.

I'll give the specialist companies I call next week when my insurers office is open again so I can confirm my NCD which is 10+ years now.

What about fog protectors I have fitted bought from here declare those too?
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post #6 of 14 (permalink) Old 31st January 2015, 09:54
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What about fog protectors I have fitted bought from here declare those too?

I'd mention them, although don't think they make a difference.


With 10 years NCD you should get quite a good deal, and Greenlight were only 30-40 more expensive on a very modified car compared to stock with usual comparison site quotes.

Play the game, too. Will probably find each insurer will match or beat your previous best quote, especially for new business.

Good luck.
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post #7 of 14 (permalink) Old 31st January 2015, 10:02 Thread Starter
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Originally Posted by messiahontrial View Post
I'd mention them, although don't think they make a difference.


With 10 years NCD you should get quite a good deal, and Greenlight were only 30-40 more expensive on a very modified car compared to stock with usual comparison site quotes.

Play the game, too. Will probably find each insurer will match or beat your previous best quote, especially for new business.

Good luck.
Many thanks for your advice
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post #8 of 14 (permalink) Old 31st January 2015, 10:04
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Quote:
Originally Posted by sjgillett View Post

I'll give the specialist companies I call next week when my insurers office is open again so I can confirm my NCD which is 10+ years now.

You can PM the specialists on here, saves the price of a phone call !


http://www.civinfo.com/forum/greenli...ce-scheme.html

http://www.civinfo.com/forum/chris-k...insurance.html

Can't find a page for Adrian Flux, here's their website...

https://www.adrianflux.co.uk/?rw.cm=...NvQaAubL8P8HAQ
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post #9 of 14 (permalink) Old 31st January 2015, 10:05
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Many thanks for your advice
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post #10 of 14 (permalink) Old 31st January 2015, 10:06 Thread Starter
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Thanks for the links
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post #11 of 14 (permalink) Old 1st February 2015, 18:00
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We'd be happy to help you sjgillett. Please give us a call when you're ready or PM me your number.
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post #12 of 14 (permalink) Old 1st February 2015, 22:57 Thread Starter
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Hi I've registered on your site to give me a call on Wednesday when I'm back in the UK from work. Hope you can help me out. Cheers
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post #13 of 14 (permalink) Old 6th February 2015, 12:34 Thread Starter
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Finally went with A Plan who offered me a price cheaper than my renewal with Allianz and has absolutely everything declared even down to my Civinfo sticker and have also declared potential future projects as well.

I guy I dealt with is Matthew Minchin at their Thatcham branch and his number is 01635 874646.

Very helpful and knowledgeable guy, well worth a call.
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post #14 of 14 (permalink) Old 18th February 2015, 16:32
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Quote:
Originally Posted by sjgillett View Post
Finally went with A Plan who offered me a price cheaper than my renewal with Allianz and has absolutely everything declared even down to my Civinfo sticker and have also declared potential future projects as well.

I guy I dealt with is Matthew Minchin at their Thatcham branch and his number is 01635 874646.

Very helpful and knowledgeable guy, well worth a call.
Hello,

Thanks for going on cover with us

Helping lots of clients with good deals, so keep the calls coming.

All the very best

Dan
A-Plan
01635-879910
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