Chat & Social > The Bar - General Chat

Insurance modifications

(1/5) > >>

Dr Strangeglove:
Just getting a quote of the internet for my mum and saw a box giving info on vehicle modifications - a few more things than I expected!:shock:

Modifications are any changes which have been made to the vehicle which affect the vehicles performance or make the car more attractive to thieves.

Below is a list produced by the Association of British Insurers of some of the typical modifications. If any of these apply to your vehicle we will not be able to provide you with a quote on-line. Please telephone us for a quote.

Alloy wheels
Badges indicating increased performance
Blueprinting
Body kit
Bonnet bulge
Bored-out engine
Bull bars
Car phones
Chipping - engine management system change
Crash bars
Dashboard changes
Decals/stickers
Driving lights
Dual controls
Engine casing changes
Exhaust system changes
Flared wheelarches
Flared wings
Fog lamps
Front spoiler/airdam
Gearing change
Hand controls
High level brake light
Larger speakers
Locking wheel nuts
Miscellaneous engine alterations
Murals
Nitrous oxide kit fitted
Non standard paint work
Non-standard engine
Non-standard re-spray
Radiator bars
Rally lights
Rear roof spoiler
Rear spoiler/aerofoil
Rear valance
Replacement seats
Side skirts/sills
Slick tyres
Sports steering wheel
Spot lights
Standard engine replacement
Steering change
Stripes
Sunroof
Supercharging
Suspension changes
Tail lift
Towbar
Transmission changes
Trial tyres
Turbocharging
Upholstery changes
Uprated brakes
Uprated stereo systems
Wheel trims
Wider tyres
Wider wheels

Evilgoat:
There's a work beginning with B I'm thinking of....

mmgemini:
Yes a certain company refused to insure me because I have standard alloy steel wheels fitted. No alloy wheels of any description were allowed.

Evilgoat:

--- Quote from: "mmgemini" ---Yes a certain company refused to insure me because I have standard alloy steel wheels fitted. No alloy wheels of any description were allowed.
--- End quote ---


Well that covers me on:

Alloy wheels (Stock)
Badges indicating increased performance (Stock Quttro Badge)
Car phones (Aftermarket h/f fitted to comply with the law)
Chipping - engine management system change (Ottinger, stock on older S-lines)
Dashboard changes (Ottinger, stock on older S-lines)
Driving lights (Stock on a LOT of cars)
Fog lamps (rear, legally required, again, stock on most cars)
Exhaust system changes (Audi speced exhaust, prettry much stock but I have actually declared this)
High level brake light (Legally required)
Larger Speakers (Yes, 1 Sub, again, declared)
Locking wheel nuts (err worry, I'm not allowed to stop scrotyes theiving my alloys, oh sorry, I'm not allowed alloys)
Miscellaneous engine alterations  (Ottinger, stock on older S-lines)
Non-standard engine (See up)
Rear valance (Stock on most cars now)
Side skirts/sills (see below, you cant MOT a car without sills, I've tried)
Sunroof (stock on most cars)
Suspension changes (Ottinger, stock on older S-lines)
Turbocharging (Ottinger, stock on older S-lines. Stock on a lot of cars, almost standard on deisels)
Uprated brakes (Porsche, stock on older S-lines. So I'm not allowed to be able to stop in a more controlled, safer manner?)
Uprated stereo systems (Arguable, declared anyhoo, have these people realised that some manufactureres STILL fit AM only radios?)
Wheel trims (Err, What? Stock on just about every car ever made since 1980)

Wider tyres (see brakes)
Wider wheels (see brakes)

Curiously, I thought:
Fog lamps
High level brake light

Were legally required, and
Side skirts/sills
Rear valance
Wheel trims
Locking wheel nuts  
Badges indicating increased performance
Alloy wheels

Rules out most cars. not to mention Locking nuts shoud REDUCE insurance and I have tried to MOT a car that had no sills, and it went badly :) Also curious that severaly changes made ot make the car safer are labelled as bad too.

Terranosaurus:

--- Quote from: "Evilgoat" ---[ Also curious that severaly changes made ot make the car safer are labelled as bad too.
--- End quote ---


Firstly they are not saying they won't insure you with these mods or that it will cost you more simply that they want to know about them. It more than likely will cost you more. Statistically people who carry out such modifications may well have more accidents - I don't know. But insurance is all about statistics. Actuaries spend a lot of time working it all out - then the insurance company just puts the cost up anyway.

Navigation

[0] Message Index

[#] Next page