UK-POLOS.NET - THE VW Polo Forum

do you need to tell your insurance company about EVERYTHING you change on the car... ie changing the rear lights for different make... or colour coding front splitter? replacement pedals?

would assume all power increase mods would need to be declared though.

I have told my insurers of EVERYTHING I have done to my car (and it's a bloody long list!)

Just to be on the safe side. Plus, it means that if anything gets damaged or stolen, they know what to replace!

Only thing I haven't told insurance about is p+p to cylinder head as I don't see how they could find that out!

I think it all depends on how bad your prospective accident might be, if you get what I mean

If its only minor they're only going to spot things like new wheels and other exterior mods when it comes to the claim and inspection. On the other hand if you make a bit of a mess of things and the car is in a number of pieces (God forbid) then they might spot work done to the engine's internals that might otherwise have been passed by...

In short then, you never know whats round the next bend... I'd declare the lot. The likes of Adrian Flux are usually very understanding of modified cars - I believe Josh is with them - make sure they will replace 'like with like' in the event of a claim though...

Thats my understanding of the whole thing anyways - HTH.

its a dark area no one likes!
jon

I'm with eagle star (as mum works for them and get's me a 40% discount) but not sure how happy they are with mods to cars... guess I will have to bite the bullet and give them a call

The only thing the insurance companies are interested in is whether a change affects the performance of the car, i.e. more bhp, large bore pistons, turbo added, chipped.

Basically anything that means you are driving a non-standard engine car. And it has to be ligitimate for the MOT to enable you to get insurance anyway

Otherwise, you can do as you wish

morrismen wrote:The only thing the insurance companies are interested in is whether a change affects the performance of the car, i.e. more bhp, large bore pistons, turbo added, chipped.

Basically anything that means you are driving a non-standard engine car. And it has to be ligitimate for the MOT to enable you to get insurance anyway

Otherwise, you can do as you wish

insurance companies do care what you do with the exterior of your car, wheels suspention etc all count. they get an image of the driver with moifications. also they say its more likely to get stolen etc. alot of companies wont insure modified cars untill a certain age or somethinmes not at all. some just charge extra 4 each little bit!
jon

Of all the mods I've done, the thing that cost me most was front/rear strut brace(upper ones) for some reason. I'm with Admiral!

I guess if the car is lowered with different suspension then they may want to know as it affects handling and performance, true. Anything else I was told was superfluous - my insurance bloke was unconcerned. So, it's up to you if you want to tell them everything about your car mods. I would only tell them about engine changes though.

A friend of a friend once got nothing from his insurers when he wrote off his car...

Because he had wheel spacers fitted without telling them.



Alloy wheels (that weren't on the car when it was first registered) are another thing they are keen on...

And suspension.

etc etc...

Tell them everything, unless they specifically tell you they're not bothered...

However if you don't tell them about something, then you won't be able to claim for it in the event of theft/damage!

Yes, if it gets stolen then you may not be able to get like for like. And, depending on the accident/damage, if acceident investigators are involved, the the insurance company can vito the claim if they find something not declared. Good point!

ok... so I think I better tell them then.... have some replacement rear lights on order and didn't really think about the insurance till after I'd ordered them.

I want to colour code my front splitter also so would I need to mention this... seems like such a straight forward thing to me.

ok... so I think I better tell them then.... have some replacement rear lights on order and didn't really think about the insurance till after I'd ordered them.

I want to colour code my front splitter also so would I need to mention this... seems like such a straight forward thing to me.

ive got colour coded front spoiler and i never knew officer that they didnt come like this!