Just changed to Adrian Flux, another forum sponsor, all things declared (not much TBH) plus an SP30 (three points), came out £175 cheaper than my renewal from the dog, who can now go fetch.

A person who doesn't declare openly and fully to their insurer are obtaining insurance by fraudulent means and I would happily see them prosecuted for it. If a person can't afford the insurance side of a mod they should have worked harder in life, done without some luxury or accepted it and lived within their means. I would love to see the police as routine checking with insurers for declared modifications and doing person for no insurance side of road when underwriter says void! Then brought to court for second offence of the fraud side and done over so they are uninsurable and forced to get the bus for being worthless liars and thieves with no moral compass. 

 

I look at such worthless members of society with the same contempt as benefit cheats, I see absolutely no distinction between either party! 

A person who doesn't declare openly and fully to their insurer are obtaining insurance by fraudulent means and I would happily see them prosecuted for it. If a person can't afford the insurance side of a mod they should have worked harder in life, done without some luxury or accepted it and lived within their means. I would love to see the police as routine checking with insurers for declared modifications and doing person for no insurance side of road when underwriter says void! Then brought to court for second offence of the fraud side and done over so they are uninsurable and forced to get the bus for being worthless liars and thieves with no moral compass. 

 

I look at such worthless members of society with the same contempt as benefit cheats, I see absolutely no distinction between either party! 

So that's 20% of owners banged up!! So far. 

So that's 20% of owners banged up!! So far. 

 

20% being honest and I respect that to a point, there will be plenty who just didn't vote lol. But seriously some need to man up and pay for what they need insured than being dishonest cry babies. I have seen every argument under the sun for not declaring this and that on here over the years. At the end of the day it's just being dishonest and criminal offence, not big and not clever. The thought that the rest of use probably pay more as a result for not being dead beat losers makes my blood boil. 

I have just insured my Fabia with Adrian flux!

ALL mods declared like for like upto a 250bhp limit.

21 y/o, 4 yrs NCB. Protected no claims. £660 fully comp!

I agree with Fubar's comments that mods must be declared.

I don't have any but have been getting some quotes to see what'll it would cost in increased premiums, but if I did have any I would definitely declare them.

Maybe the op could add a couple of extra voting buttons for those if us with standard cars to see if we would declare or not if we did mod our cars. It might be some of those not voting fall into this catagory but still contributed!

I have just insured my Fabia with Adrian flux!

ALL mods declared like for like upto a 250bhp limit.

21 y/o, 4 yrs NCB. Protected no claims. £660 fully comp!

 

I paid more than that with less mods, less power, over double the NCB all sorts of other things which would normally discount insurance. But I needed insurance on my VIN number to register the car. So to have it on VIN number to walk in to register it then tell them my new reg I paid double what it would have cost if I already knew it (which I did) :( But it was the only way to legally and honestly do it so I paid the price. Next year it had best be back down to the £300 mark lol. VIN number insurance is a joke, same car same everything just a longer number than a registration number for the first 30 minutes of cover :( That and car being modified meant I had little choice. I could have got it £100 cheaper but the conditions on the cover were not suitable to me so I picked the best cover for me. 

Don't think you will get much feedback to this? In case big brother is watching. The wording should be IF you had your vehicle mapped boxed would you inform, you may get some partial honesty then.

Just paid £360 for a 62plate Audi S4 with a stage 1 remap declared (411bhp).

Would have been under £300 but some numpty stuffed their car into mine a few months back whilst it was parked (£1200 damage)

Cheapest quote from one of the sponsors on here was £2000. He couldn't believe how cheap my quote was. I told him the broker & underwriter and he said they were both legit and they actually used the underwriters themselves.

Cheapest quote from one of the sponsors on here was £2000. He couldn't believe how cheap my quote was. I told him the broker & underwriter and he said they were both legit and they actually used the underwriters themselves.

 

Which begs the question why they couldn't do the same deal.........baffling  :(

Which begs the question why they couldn't do the same deal.........baffling :(

Exactly :(

Nice surprise was that when the policy came through it had '1' as my odometer reading. As I had declared an annual mileage of 12000 I emailed them my current reading.

They emailed back saying it was an unlimited mileage policy that's why they put 1 on the policy

Everything declared here. Didn't even have to pay for the exhaust declaration either

 

One thing I'm not too sure on, is I've had to fit 5mm spacers up front to clear the coilovers on winter wheels - does this need declaring too, or is it covered under my 'suspension changes' and 'winter wheels' sections?

Everything declared here. Didn't even have to pay for the exhaust declaration either

One thing I'm not too sure on, is I've had to fit 5mm spacers up front to clear the coilovers on winter wheels - does this need declaring too, or is it covered under my 'suspension changes' and 'winter wheels' sections?

Only your insurance company will know the answer to that one.

Each have very different policies. If in doubt, ask

Good point! I'll ask when I get the remap done I guess.

What's insurance?

I don't need insurance, I'm a good driver.

Who is this god like insurer?

My best quote on a standard car on 2011 came from Skoda insurance, the following year with 270bhp and all the supporting mods declared with another specialist insurer (and a forum sponsor) came down by over £150. This year with 330bhp declared it's reduced further.

Everything on my cars is declared and if you find a decent policy with a decent insurer you can do things like put in bigger engines and have no increase in premium

I only declared the engine not standard. .. not the fact it was changed to a air con spec 1.6 one..

Comparison site best quote = £700 including business class A for std vrs. Wouldn't touch remap. Greenlight is £480 no difference between remap or std.

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Yep mods declared.

I declared knowing devonutopia, Gadgetman and Fordfan, and the robbing bar stewards put my insurance up to £3000 :(

What remap....... :think:

I declared knowing devonutopia, Gadgetman and Fordfan, and the robbing bar stewards put my insurance up to £3000 :(

only two of those are mods, you don't need to declare a gadgetman as that's technically an Admin, not a mod. HTH

Oh, just thought I would add that for 12 years up until recently I was an insurance engineer/assessor. Would I have cared if a car had a remap? Would any of the people that I worked with have cared? Would they buffalo. People just want to do their job and go home. Unless you cause danger to life, people are really not that bothered.

I declared knowing devonutopia, Gadgetman and Fordfan, and the robbing bar stewards put my insurance up to £3000 :(

It'll be to cover all that gold.

We had to declare the window tinting on the back as a mod! Also had to tell them about running two sets of wheels even though they are the same size.

This declaring the slightest change from original is just their way of getting out of a claim. They can just inspect the car claim it's not standard and not declared hence no payout.