Chat & Social > The Bar - General Chat
insurance modifications
Gordo:
Some insurers are very fussy about what they will and won't accept as modifications. For example, my current insurer will not cover any modifications to my Freelander except for a switch from alloy to steel wheels - for which they want 25% extra premium. :shock:
Other insurers, especially the specalist 4x4 insurers like Sureterm or Adrian Flux, are much more relaxed about it.
I've got my modifications timed to be just after my renewal because my intended insurer will cover my mods.
And if in doubt, declare it.
J.D.:
If it alters your vehicle from the manufacturer's specification (IE: not standard - lift kits, larger tyres, winches ect) it becomes modified.
An accessory will still count as a modification (even down to things such as A bars and spotlights), even if it is purely cosmetic (such as window tints).
dxmedia:
--- Quote from: Mark_Solesbury on August 24, 2009, 12:35:10 ---haha
I assume you mean OEM rather than OME.
An entire car made by Old Man Emu would be quite awesome!
--- End quote ---
:oops: and I changed it - senior moment :lol:
adamdanshona:
Does a switch to mud tyres count as a mod even if they are the same size as factory?
J.D.:
--- Quote from: adamdanshona on August 24, 2009, 14:25:38 ---Does a switch to mud tyres count as a mod even if they are the same size as factory?
--- End quote ---
As far as I know, as long as you are only changing the type, and the size is the same, but the speed rating and weight rating are the same or higher, it should be fine.
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