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Insurance modifications

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Terranosaurus:

--- Quote from: "datalas" ---how, exactly, do stickers make a car a more dangerous vehicle to insure ?  unless you stick it over the windscreen I guess...
--- End quote ---


They don't but the statistics must show that people who put stickers on their cars are more likely to have accidents. Not because of the stickers but because the are the sort of person who puts stickers on their car -chavved up corsas for instance.

Thrasher:
<cough>

And we don't put stickers on our 4x4's?

Terranosaurus:
It was an example of who is putting the statistics up

Bush Tucker Man:
Slick Tyres??

Hardly road legal anyway

What a series of 'get out clauses'!!!

Sider:

--- Quote from: "Evilgoat" ---Curiously, I thought:
Fog lamps
High level brake light

Were legally required
--- End quote ---


Only the rear fog is a legal requirement. The 3rd brake light is not as yet compulsory (advisable, though) for older cars.

As for the rest, you will find that most companies consider any Optional Extras (i.e. whatever is not clearly specified on the literature for that trim as standard) a modification. Nevermind that it was done by the manufacturer before the point of sale, it is still a modification.

If you have a Quattro, most of the add/ons are standard anyway, so they wouldn't count as modifications. And as for the car phone, I believe that insurance company has not updated the website since the 80s, when you actually had to install the phone into the car, and in some cases, even fit an ultralarge reel of wire in your boot :D

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