Well today i went to fit some wind deflectors and the girlfriend asked if i was telling my insurance company about them, personally i don't see the point for something as small as this, but do they need to know?

Also, somebody owes me a big favour at a wheel refurb place so i can get my wheel refurbed in any colour i want, was thinking white, black or standard silver.

but say i had a car accident with bright orange wheels, i bet if the insurance company sent someone out to inspect the car they would have something to say about the wheels or the wind deflectors.

I know people with coilovers, alloys, subs & amps, remaps etc etc! but said nothing to there insurance company! i know two wrongs dont make a right but the fact i've told my insurance company about things and have to pay extra is annoying!

Do you have to tell them about every little thing you do.... even abit paint on the airvents, cupra splitters, flyeyes, led bulbs, anything that changes the look of the car or changes the way it was when it left the factory!

Edited 8 May, 201214 yr by hutchysrs50

Technically you have to tell the insurance company about every change you do that alters the car from factory spec. If an accident occurs then they will try to use any excuse to wiggle out of paying up. I can see how putting wind deflectors is a change but really that shouldn't make any difference to your premium.

Ian

It's even worse with a motorbike - you have to declare stickers!

http://www.fiatforum.com/insurance/130227-insurance-notifying-about-modifications.html

Read that, it should clear some stuff up for you, scroll down to the bit about what the underwriter says.

My insurers were ******s, anything that deviated from the manufacturers base spec of the cars, needed declaring. This included factory fitted extras.

You might aswell ring them and tell them but it shouldnt up your premium. My girlfriend works in adrmiral for liability and said with them wind deflectors doesnt come into modifications and the wheel colour is no issue with standard wheels, just if you upgrade them. Also subs etc you dont have to tell them its just if you want them covered if ever stolen.

Thanks for the replies and the link, was very helpful!

All in all... i'd say the majority of people have invalid insurance and get away with it regardless

Either way, im pretty stuffed as i had my parent on my policy (which brought the price down by 4 grand!) and have only just noticed now! that you can only use no claimes bonus on a single vehicle :wonder: ie i had my mum on my policy with me as the main driver. I filled in all the documents and put my mam down as having 9 years+ no claimes bonus since thats what she has and has never had an accident in her life, But she has her own car as well which she also has the NCB on so.... without the NCB my insurance has went up to over £6,000 a year now. its more each month to insure the car than it is to pay a mortgage...

It's even worse with a motorbike - you have to declare stickers!

You have to on cars as well! i wonder if everyone on this forum with any extra sticker on the car have informed there insurance company...

i wanted to put somthing like (HTP Inside) on the back of my car untill i seen stickers come up on the modification check list!

Edited 8 May, 201214 yr by hutchysrs50

The last insurance company who tried to use the 'stickers are a modification' excuse to avoid paying out made it to the front page of MCN and backtracked almost immediately.

In simple terms you declare everything to your insurance company and let them decide what they are bothered about. Wind deflectors may not increase premiums with some underwriters but may with others so ask, it's worth it not to have it hanging over you in a claim.

I don't understand the situation with your mum being on your policy? If your the main driver it's your NCB being used, even of they ask about how many NCB any named drivers have, it doesn't mean they are being "used" so to speak on that policy, they are just asking to build a profile of the named driver. You can only use one set of NCB per policy, which will be the main drivers. This is how iv understood it to be anyway!

Tel the robbing fookers nowt......................

Tell them nothing & should the worst happen then you would probably be not covered. I.E., you personally could be held accountable for costs. Yes, people may not inform insurers of mods, but do you really want a £4000 investment be null & void from the outset when you need to call on it? And then face criminal charges?

I was with one insurer who decided that non-Skoda light bulbs (i.e, osram night breakers) were an unacceptable modification. Told them where to go. Now with a very mod-friendly insurer.

Edited 9 May, 201214 yr by Benjiman

Ben who are you with now? I think it would be good to get a list together of mod friendly insurance companys and peoples feedback. Then others on here will know who to go to with out wasting time now or in the long run.

I was with one insurer who decided that non-Skoda light bulbs (i.e, osram night breakers) were an unacceptable modification.

Well I hadn't thought of that one - but the bulbs I took out weren't Skoda branded either...

Well I hadn't thought of that one - but the bulbs I took out weren't Skoda branded either...

But that's the same as playing dumb (in their eyes anyway)

Buying a car thats been heavily modified and then using the excuse "Well i didnt know! it was like that when i bought it!"

Edited 9 May, 201214 yr by hutchysrs50

Ben who are you with now? I think it would be good to get a list together of mod friendly insurance companys and peoples feedback. Then others on here will know who to go to with out wasting time now or in the long run.

Adrian Flux! Fairly good renewal price too (once you ask for them to improve on their first offer)

Regarding the light bulbs, I put the question in front of the numpty insurers that if a bulb blew, & I went to Halfords for a generic replacement instead of Skoda, what would that mean. "Invalidate your insurance" was their answer. I left that company very sharpish.

if you and your mum drive it may be worth trying admiral multicar. we have that for me the missus and our daughter and she accrues her own ncb and even did when learning to drive! (other insurers are available)

Admiral are terrible for mods. They wont touch you atall with a remap.....or a snorkel but you wont be putting one of them on your fabia....will you?

Admiral are terrible for mods. They wont touch you atall with a remap.....or a snorkel but you wont be putting one of them on your fabia....will you?

My brother has a snorkel on his landrover defender and hes with admiral....just saying :p

But has he declared it? I couldnt fit one on my vitara. Ask the other half why (works for admiral) best answer she could get off her boss was because its on the list, seems to know his stuff lol.

Ye he has lol. It's on the list? wow lol!

Oh yer and with admiral you can only have 6 mods on your policy.

It`ll be down to the "profile" of the person on the policy. 17, most places wont touch you with ANY mods. as you get old/build up a decent history you`ll be able to attain better prices & options to add mods, even with the same insurer. Just because they wont let one person add a modification, doesnt mean that no one can.

I don't understand the situation with your mum being on your policy? If your the main driver it's your NCB being used, even of they ask about how many NCB any named drivers have, it doesn't mean they are being "used" so to speak on that policy, they are just asking to build a profile of the named driver. You can only use one set of NCB per policy, which will be the main drivers. This is how iv understood it to be anyway!

Let me try and clear things up, im still in the process of trying to get insured before saturday!

The car is registerd in my dads name, its just easier that way, im only 20 and will probly ignore any letters that come through the door, so thats that!

i've been on comparison websites and put in all correct and honest details. Im taking out the policy on behald of my mother so "the proposer" as she will be using the car time to time. I have added myself as a named driver on the policy. I have also said i will be the main driver of the car and will use the car most of the time.

When filling in the forms online, again on behalf of my mother simply for quotes, i put in shes had her licence for over 20 years, never had an acident with the maximum 9+ years no claimes bonus etc.. But! I completely overlooked the fact she is using the ncd on her own car! so i cant use them on my policy.

To put things into perspective, with the ncb my insurance comes in at £1,440 a year. Without the ncb it comes in at £4,200.

On my mums own policy now with the ncb in use, she pays £250 a year, i've got a quote starting from scratch and it'll cost her £500.

Now i've said... if you move your ncb onto this new policy (to save me the extra £3,000) i would pay any extra she has to pay so £250 extra, better than £3,000 at the end of the day!

This makes perfect sense to me and appears legal in every way! what my mother does with her ncb is up to her, if she wants to move them to a different policy thats fine, but everyone i've mentioned it to, including a friend who works for a car insurance company is telling me this is illegal as she isnt the registerd keeper of the vehicle, my dad is. Somthing to do with "no insurable interest in the car" or somthing.

Im very confused with all of this and dont know what to do...

if i fill in the details correctly and get quotes, whats the problem! they give me a quote with my mother as the proposer, me main driver and dad owner.... yet this is fraud?! why give me a fooking quote then!

Edited 9 May, 201214 yr by hutchysrs50

Ahhhh I see. What your trying to do is indeed fraud, its technically called "fronting". 99% of the insures say the main user of the car must be the policy holder of the insurance. Years ago I think it was fairly common place to happen, my first car was done this way since I couldnt afford thousands a year on a supermarket wage. I spent the first year doing it then bit the bullet and went on my own policy. The problem is even worse now, my mates 17 year old brother`s cheapest quote was £5000 on a 1.2 Punto. If he want on his parents policy as a named driver it dropped to around £3000 I think he said.

I dont know what else to try, while I cant condone it, I can understand why people do things like this. How much is the insurance as you on your own policy? Have your tried the companies that offer to fit a GPS device on a pay as you drive kinda thing? If you have no other option then make sure everything is legit paperwork wise, if its your mum on the policy then she needs to be the registered keeper really, again most insures will want this, and when you get pulled by the police your story of borrowing your dads car that your mum insures but your the named driver on is going to sound very fishy from the off!

Yeah I'd imagine ticking the "not the registered keeper" for the policy holder won't help.

Do you have another adult as a named driver? It can help bring the average policy age up!