Insurance and changes to your car - Civinfo
 
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post #1 of 14 (permalink) Old 7th August 2015, 09:40 Thread Starter
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Insurance and changes to your car

Does anyone know if there are any insurance companies that provide cover that doesn't have to be updated every time you decide to make a few tweeks/mods to your car? My car is unmodded but if I plan to make a few adjustments eg induction etc are there any insurance companies that cover modifications that don't need a continually updated list or approval?

Ta
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post #2 of 14 (permalink) Old 7th August 2015, 09:44
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I can't say for other companies but it's only needed a quick phone call to Adrian Flux, let them know the changes and job's a good'un. No extra charges either.

I'd be surprised if you could get a completely unrestricted policy, unless you pay a high premium...
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post #3 of 14 (permalink) Old 7th August 2015, 09:50
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I'm not sure why you'd even want a policy that allows you to do that. It only takes a few minutes to declare mods and have the policy updated.
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post #4 of 14 (permalink) Old 7th August 2015, 10:05 Thread Starter
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What I am trying to get at is that some minor changes can be seen as a modification, i.e. putting tints on windows, dropping in an after market air filter etc. It would be nice to be able to make some minor changes without wondering if you have to call the insurers. If you stick a turbo on or a new exhaust etc then I could understand that a phone call to them would be needed.
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post #5 of 14 (permalink) Old 7th August 2015, 10:09
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I believe all insurers would want to know about any modification that takes the car away from standard, regardless of what's been changed.

Just get a policy with a good modification-friendly insurer, and declare the modifications as you make them.
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post #6 of 14 (permalink) Old 7th August 2015, 10:13
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I'm with Greenlight, any mods I ring and declare straight away, only take 5 mins plus don't charge and admin fee

you would be a fool not to declare any modification
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post #7 of 14 (permalink) Old 7th August 2015, 10:13 Thread Starter
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Ok, fair enough. I bought a car once that had been lowered by a previous owner on eibachs, let my insurance company know and it added 39 to the premium!! Not sure if it was a case of 18 plus 21 "admin" charge - I'm old too!!
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post #8 of 14 (permalink) Old 7th August 2015, 10:33
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Price increases depends on your insurer, standard policies don't like mod's.

Go to a specialist.
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post #9 of 14 (permalink) Old 7th August 2015, 11:04 Thread Starter
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Any recommendations? I'm over 30, and have been for some time
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post #10 of 14 (permalink) Old 7th August 2015, 11:14
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Adrian flux pal, been with them 2 years, paid 296 this year, all mods declared and covered. They don't charge any extra unless it's a turbo or something and don't charge no admin fees etc. II regularly ring them up.
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post #11 of 14 (permalink) Old 7th August 2015, 11:20
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Quote:
Originally Posted by Bench View Post
I'm with Greenlight, any mods I ring and declare straight away, only take 5 mins plus don't charge and admin fee

you would be a fool not to declare any modification
Same, Greenlight are excellent...a quick call and the policy is updated at no extra cost
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post #12 of 14 (permalink) Old 15th August 2015, 21:22
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Hi,
Please feel free to give us a try for insurance if you like. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
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post #13 of 14 (permalink) Old 17th August 2015, 11:24
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Any recommendations? I'm over 30, and have been for some time
Please give us a call and we'll do all we can to win your business - 0800 917 2274 (0800 numbers are now free for mobiles).

best,
Nick
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post #14 of 14 (permalink) Old 18th August 2015, 16:20 Thread Starter
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Quote:
Originally Posted by ChrisKnottIns View Post
Please give us a call and we'll do all we can to win your business - 0800 917 2274 (0800 numbers are now free for mobiles).

best,
Nick
I have now had my quote for my standard car. Sorry, will be continuing my search.
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