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What do you classify as a modification and how it affects your insurance

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Found out the company im insured with only has ONE broker. I only found this out when i tried to get my god daughter added to the policy (£900 pound plus.. forget it a bus pass is cheaper) and they said they will have more brokers to go with when its time to renew my policy.

No wonder i can't get a better quote from them lol

Im still with (untill September) Greenerinsurance Scotish based company. I mainly went with them as they plant trees to off set your carbon emmissions.

BS. Green policies are simply a cash cow, being the buzz at the moment.

The extra they charge you, you could donate to a green scheme and own half of Brazil!

i'm with direct line and when i had my punto which had lexus lights, two amps, four subs ect the insurance only went up about a tenner cause of the lights, also i read somwehere that if you didnt declare a modification and then had to make a claim the only way in which the insurance company can get out of paying would be if they wouldnt have insured knowing the mods that you have,

Whoever told you that was talking c@rp; an insurance policy is a "contract of great good faith" in law, under which both parties must disclose any facts which might affect the other's decision to treat, or the terms on which they treat.

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