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As good as it gets!
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Discussion Starter #1
I just would like to know how many of you actually inform your insurance company if you do minor upgrades like body kit, alloy wheels, suspension or anything that your insurance should be informed about, I dunno what to do about informing my insurance of the spring upgrade as technically the car is modded, but then I could have originally purchased it like this?

Just would be interesting to hear how many do and do not inform your insurance of these upgrades as it could add pounds to the insurance bill as it would make your car more desirable to steal I suppose.

Thank you to all who reply.
 

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Premium Member
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I do declare. Not worth worrying if you're covered should the worse happen!

Green flag do forum discount and are very competitive. I will be going with them come renewal.
 

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As good as it gets!
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Discussion Starter #3
I do declare. Not worth worrying if you're covered should the worse happen!

Green flag do forum discount and are very competitive. I will be going with them come renewal.
Well I am going to call with my insurance tomorrow to tell them I'll be lowering the car by 30mm so how well they respond to that little question with raised eyebrows no doubt. But then again I could always say it was like that when I purchased it how was I to know any different, lol..
 

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Premium Member
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I declare all mods, not worth giving them an excuse not to cover you should anything happen, most of the smaller mods make no difference to premium.
 

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Premium Member
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All declared if you go with the right company doesn't make that much difference any way
 

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As good as it gets!
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Discussion Starter #6
Ok well I will report back here tomorrow as i'll pop in at 9am tomorrow morning on way to Donnellys Honda for a bumper bracket as the OS has dropped a little well actually 7mm so it looks awful and for £18 the bracket isn't that expensive
 

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As good as it gets!
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Discussion Starter #8 (Edited)

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Premium Member
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All my mods so far have been factory options when buying new so in my eyes they are part of the car and not mods. All genuine Honda parts so I can't see any issues with it.
 

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As good as it gets!
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Discussion Starter #10
All my mods so far have been factory options when buying new so in my eyes they are part of the car and not mods. All genuine Honda parts so I can't see any issues with it.
I was thinking that myself, all parts are still Honda parts apart from the springs.. And who is going to know it was lowered if I had purchased it like that I would not have known the springs weren't factory?
 

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Tarmacadam Terror
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5,666 Posts
Is it worth the risk for a poxy extra 35 a year

sent from the boss droid
 

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As good as it gets!
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Discussion Starter #12
Is it worth the risk for a poxy extra 35 a year

sent from the boss droid
Well I will let ya all know tomorrow night as I'll pop in and tell them about the springs and tell ya what they said but I bet there will be a big song and dance about this. Suppose they will want an inspectors report about the springs these sort of things scare them when you start fiddling, and is an excuse to pile on the pounds faster than A Rhino jumping of a cliff with Reeboks on.
 

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Tarmacadam Terror
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My car has a hell of a lot more than springs, never been asked for an engineers reports.

sent from the boss droid
 

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As good as it gets!
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Discussion Starter #14
My car has a hell of a lot more than springs, never been asked for an engineers reports.

sent from the boss droid
That was a figure of speech, but I remember when I put the alloys on my car and they immediately stated 18'' was the max rolling circumference I could have on my car along with bringing them proof via receipt that I had installed McGard Ultra High Security Locking Wheel Nuts on all four wheels.

I bet it will be the same thing with these springs bet they will want to see the box and specifications anyway I'm off to bed now will let you know tomorrow what they say.
 

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+ 1 my insurer never questions anything unless it's a power hike! They just add the stuff to a list of like for like should the worse happen
 

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aka Paul
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Always declare. From my experience it's cheaper with the right insurer.

When I got the car the cheapest I could get it was £705. £8k of modding later I'm paying £520 with all mods declared.
 

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As good as it gets!
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Discussion Starter #18
Ok here is a quick brief been to the car insurance this morning and period no I would not be covered under my current insurance as they do not cover for any modifications if I lowered the car, and the cost of my new insurance would be hundreds of pounds more expensive if I did go with another insurer, just what I thought. So is 25mm lower car profile worth nearly £289 more on top of what I'm paying now to declare and lower the car that means a total bill of roughly £589.

The way I look at it if I had of purchased the car like that lowered originally by previous owner and he did not tell me and wasn't told the car was lowered how would I have known the car was ever lowered to begin with not being technically minded about the cars build dimensions so status quo.

I know the insurance will have to be told if I do lower the car just makes it not worth the hassle.
 

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As good as it gets!
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340 Posts
Discussion Starter #19
I think you need a better insurer .what have you done anyway?
I have declared alloy wheels and the city pack but that's all nothing more I tell ya insurance companies in the UK do not quote for Northern Ireland we are high risk lol, can you imagine that.
 

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No Smoke no poke
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3,589 Posts
I dont know your age where you live etc etc but ive done loads of modifications to my car
Before declairing i used money supermarket and aviva was the cheapest by some margin at £295 im 37 have max no claims bonus and a type-s 2.2 on a 2010 plate which i thought was good
I declared all my mods and that's some list now using greenlight off this forum and it went up by £30
Bottom line most mainstream insurance companies wont touch modified cars but specialist companies like greenlight ( there are others to be pc) aint bothered they just need to know what you have done so in the event of an accident they can swop like for like, do you homework and you will save more than what you have been quoted.
 
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