Minor improvements - Do I need to inform the insurers? - Civinfo
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post #1 of 28 (permalink) Old 11th March 2013, 16:26 Thread Starter
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Minor improvements - Do I need to inform the insurers?

Hi all, quick question: Do I need to inform my insurance company if Im going to do some minor work to the otherwise original car?

Specifically, I want to put in uprated EBC brakepads and discs, and slightly change the colour of the stock alloys fitted to the car while theyre being refurbed for parking damage. There's other little things Id like to add internally, like a reversing camera and Mr JPs light package, but I dont think this would fall under the same remit as the above parts.

Im of the opinion that as long as Im not replacing with something completely different, its not any of their concern - Improving the brakes with compatible parts less resistant to brake fade are safer after all, whereas resorting to bigger calipers etc would obviously be a quite significant modification. Likewise the wheels would hopefully not be an issue, unless replaced with a different type.

My concern is that they (being a mainstream provider) might think Im a bit of a boy racer and hike the premium. This of course isnt the case (I dont need to show off to anyone!)

Ive been lucky enough never to have made any claim and have a clean license, dont know if that would have an effect on their decision if I did have to tell them.

I have wondered about a remap done, having read up on this site about them. However thats further down the line and Im pretty sure I would have to declare it!

Thanks for any views on this.
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post #2 of 28 (permalink) Old 11th March 2013, 16:42
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Re: Minor improvements - Do I need to inform the insurers?

I wouldn't declare any of these mods,

Brake discs and pads are consumables as is oil, windscreen washer fluid and all the bulbs.

As for the alloys you could phone up and ask as they need repairing and its cheaper to go with whatever colour you want rather than original. Make sure they add it in if there is no charge.
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post #3 of 28 (permalink) Old 11th March 2013, 16:45
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I have a conversation with two different companies about minor changes. One said it did not matter as long as I don't intent to claim for it in the case of a total loss. The other immediately got suspicious when I mentioned casually that I was looking at a new gear knob.. "why do you want to change it? Is there other damage? was this as a result of a crash? What other "performance" changes have you made?" and so on. I think it really depends on who your insurers are. I would suggest you play it say have and have a talk to then, just in case...
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post #4 of 28 (permalink) Old 11th March 2013, 16:47
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I think you would have to notify your insurer if you truly do 'upgrade' your brakes, but simply fitting alternative pads and discs would be OK.
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post #5 of 28 (permalink) Old 11th March 2013, 16:47
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As Tom says - I wouldn't declare any of the consumables.

I'd also personally not bother with the alloy colour either - if it's a slight change and part of the refurbishment I'd claim it as the closest match as part of the refurb.
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post #6 of 28 (permalink) Old 11th March 2013, 16:51 Thread Starter
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Quote:
Originally Posted by Tom8126 View Post
I wouldn't declare any of these mods,

Brake discs and pads are consumables as is oil, windscreen washer fluid and all the bulbs.

As for the alloys you could phone up and ask as they need repairing and its cheaper to go with whatever colour you want rather than original. Make sure they add it in if there is no charge.
Good point, I wasnt sure whether they would regard these parts as only fitted to cars that end up being claimed against. Personally Id be more inclined to charge a higher premium for people using cheap rubbish, though I suppose theyve passed the safety tests to be able to be sold in the UK.

I think I will go with that tactic and give them a call, theyre not worth any more as a result of the work so I cant see theyd charge for having to insure expensive alloys. Its just the boy racer perception that might snag things up.

A shame as I think theyd look better in a slightly darker shade.

Thanks mate, thats reassuring!
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post #7 of 28 (permalink) Old 11th March 2013, 16:56
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Re: Minor improvements - Do I need to inform the insurers?

If its just a couple of shades blame it on shad colour match. If you ever need to say anything. Or just say they were like that already, they have all the Honda logos and caps how would you know
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post #8 of 28 (permalink) Old 11th March 2013, 16:57 Thread Starter
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Thanks for all the replies that have rolled in, I dont think Ill be declaring the brake parts as they are indeed just consumables and not designed for track racing, so no reason for suspicion as to their use.

I will probably mention the alloys to the insurer, along the lines of 'this is the closest/cheapest colour to original, so Id need to get all four done ideally'

Thanks guys!
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post #9 of 28 (permalink) Old 11th March 2013, 17:42
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I declared uprated disks/pads to LV who noted it down but didn't charge extra. It was only when I reached the limit of 3 mods that LV allow, did all hell break loose.

Basically I added a 4th, which they agreed to and after having it fitted they realised they had made a mistake. They agreed to it up until renewal. At renewal they refused to insure the car until I got to the top of the tree (dozens of phone calls) and managed to convince them that uprated disks/pads/hoses and fluid improved the cars stopping power - they agreed as long as the disks etc were the same size etc. Consequently, I was then back down to 3 mods and all okay!

Personally, I would inform them - if they're not bothered they'll let you know
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post #10 of 28 (permalink) Old 11th March 2013, 17:47 Thread Starter
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Im with Sainsburys, no idea what theyre like for customer service but theyve left me alone since I took out the policy so Im happy. Just not sure if, being a more mainstream provider they might not be so forgiving or understanding.

Its probably not going to amount to any more than wheels and brakes, Im otherwise happy with the styling of the standard car, even the perspex grille which some on here seem impatient to get swapped out. Coming from a wheezy little citroen, the Civic certainly has all the power I need for now!

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post #11 of 28 (permalink) Old 11th March 2013, 17:48
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Re: Minor improvements - Do I need to inform the insurers?

Mention everything. Or at least ask them if they need to know if....... Mod can vary per insurer. Alot of people on here insure seem through greenlight as they don't mind mods as its normally a sign of someone who really cares for their car.

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post #12 of 28 (permalink) Old 11th March 2013, 17:57 Thread Starter
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Good counterpoints guys, I probably will quickly check with the insurer for the brakes too. Ill just have to make a decent case for safer stopping power being a good thing, and reducing the risk of needing to make a claim in the first place.

Thanks again
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post #13 of 28 (permalink) Old 11th March 2013, 18:13
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Minor improvements - Do I need to inform the insurers?

Quote:
Originally Posted by Wee-nemo View Post
Im with Sainsburys, no idea what theyre like for customer service but theyve left me alone since I took out the policy so Im happy. Just not sure if, being a more mainstream provider they might not be so forgiving or understanding.

Its probably not going to amount to any more than wheels and brakes, Im otherwise happy with the styling of the standard car, even the perspex grille which some on here seem impatient to get swapped out. Coming from a wheezy little citroen, the Civic certainly has all the power I need for now!

Never insured with Sainsburys so can't comment on them. However, generally if an insurer can get out of paying they will (usually with large claims). I'd play on the safe side and inform them.

As for updating the grill, it cost me an extra 60! Yet a stage 2 remap cost 12 - still trying to get my head around that one.

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post #14 of 28 (permalink) Old 11th March 2013, 19:28 Thread Starter
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As for updating the grill, it cost me an extra 60! Yet a stage 2 remap cost 12 - still trying to get my head around that one.
That's pretty mad! At least the additional charges aren't too bad, I was thinking it would be hundreds extra to start really changing your car.
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post #15 of 28 (permalink) Old 11th March 2013, 19:51
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Minor improvements - Do I need to inform the insurers?

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Originally Posted by Wee-nemo View Post
That's pretty mad! At least the additional charges aren't too bad, I was thinking it would be hundreds extra to start really changing your car.

It's very mad but they wouldn't budge so had to pay it. If you really start changing the car then you move to the likes of Chris Knott / Greenlight who specialise in modded cars

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post #16 of 28 (permalink) Old 11th March 2013, 20:09
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Good counterpoints guys, I probably will quickly check with the insurer for the brakes too. Ill just have to make a decent case for safer stopping power being a good thing, and reducing the risk of needing to make a claim in the first place.

Thanks again
Why this is a replacement part and could have been fitted when you bought the car, would you tell the insurance that you fitted cheap tyres that grip to the road like chip pan fat to teflon? Same sort of thing and a wear n tear item, now if you fitted bigger discs and calipers etc then yes you need to tell them but same size no.
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post #17 of 28 (permalink) Old 11th March 2013, 21:43 Thread Starter
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That was my original thinking, it seems faintly ludicrous that I can downgrade parts to bargain bin items without insurance being affected, but fitting more safe equipment and taking care of the car is seen as a risk. But I think they will do anything they can to wriggle out of a payout, and rather wouldn't get on the wrong side of them!
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post #18 of 28 (permalink) Old 11th March 2013, 22:18
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Re: Minor improvements - Do I need to inform the insurers?

Quote:
Originally Posted by stevencavanagh View Post

As for updating the grill, it cost me an extra 60! Yet a stage 2 remap cost 12 - still trying to get my head around that one.

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I believe its all about making the car more desirable. If it looks like a type r its seen as more desirable to thieves. Remap can't be seen from outside.

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post #19 of 28 (permalink) Old 12th March 2013, 11:36 Thread Starter
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GREAT SUCCESS!!!

I called them up just now, there was a bit of a queue because every d-head that can't handle their car in the snow is crashing them right now, but eventually got through to someone with a reassuringly northern accent who listened to my carefully crafted story, checked the underwriting, and said changes to both the brakes and alloys wouldn't be a problem at all.

She did ask if the discs would be drilled or vented, I said vented but it didnt make a bit of difference. Starting to like Sainsburys, a hell of a lot better than Admiral for a start.

Right, that's the hard bit done, just got to choose and pay for a set now!
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post #20 of 28 (permalink) Old 12th March 2013, 11:42
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Minor improvements - Do I need to inform the insurers?

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Originally Posted by Wee-nemo View Post
GREAT SUCCESS!!!

I called them up just now, there was a bit of a queue because every d-head that can't handle their car in the snow is crashing them right now, but eventually got through to someone with a reassuringly northern accent who listened to my carefully crafted story, checked the underwriting, and said changes to both the brakes and alloys wouldn't be a problem at all.

She did ask if the discs would be drilled or vented, I said vented but it didnt make a bit of difference. Starting to like Sainsburys, a hell of a lot better than Admiral for a start.

Right, that's the hard bit done, just got to choose and pay for a set now!

Sounds like a great result! At least you know you're covered should anything untoward happen.

Might have to give Sainsburys a go at renewal.

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