1.4 TDI Fabia.

 

I have:

 

Straight pipe in place of backbox

Fabia VRS alloys

Wind deflectors

Fly eye on the light

Rear window tint

Pressed number plates

White LED lights (number plate, interior)

Camo vinyl on the boot and a wing

Shotgun shells on the wheel nuts

 

 

Was originally thinking of saying I have Skoda Fabia alloys, but they didn't come as standard when I bought the car.

I also have an aftermarket back box (the straight through) added to the car.

 

Do I need to declare any of the other things to the extent my insurance is void if I don't?

Everything on the list is declarable except the nut covers and perhaps the vinyl.

I was always told that if you can't afford to declare it on your insurance, you can't afford the mod! Some insurance companies like Adrian Flux offer "modified car" insurance, although having never used it myself I don't know the details.

I was always told that if you can't afford to declare it on your insurance, you can't afford the mod! Some insurance companies like Adrian Flux offer "modified car" insurance, although having never used it myself I don't know the details.

 

I've seen that around, but that's not the point in my questioning.

 

It's more a question of, is it even necessary to declare I have fly eye on the lights, that I can just pull off and it's standard again?

 

For the exhaust and alloys, according to a few of my freinds, they just say ok and add like £30 to the years insurance, which isn't a problem.

Window tint, maybe that needs declaring, but can't imagine it costing alot being as I pick my nephew and neice up in the week and sun get's in their eyes. (they're 5 and 2)

I've seen that around, but that's not the point in my questioning.

It's more a question of, is it even necessary to declare I have fly eye on the lights, that I can just pull off and it's standard again?

For the exhaust and alloys, according to a few of my freinds, they just say ok and add like £30 to the years insurance, which isn't a problem.

Window tint, maybe that needs declaring, but can't imagine it costing alot being as I pick my nephew and neice up in the week and sun get's in their eyes. (they're 5 and 2)

Yes you do need to declare it all as if you have a crash and you're found to have not declared anything you won't get paid out, no arguing they'll just say tough! That will then stick with you throughout your time driving and make it a lot more expensive to get insurance in the future

The only thing I dont declare is when my missus is pishing me off; not worth the hassle.

Insurance on the other hand, any change from the original specification needs to be declared and would be a massive hassel if you don't :yes:

Declare the things that aren't easy to whip off if you're unfortunate enough to have a crash is how I've always gone about it. For example I've declared my Coilovers, air filter and exhaust that's about it

My policy goes along the lines of I can do what I like so long as it doesn't exceed 250bhp. Power level suits me fine....for now.

Declare the things that aren't easy to whip off if you're unfortunate enough to have a crash is how I've always gone about it. For example I've declared my Coilovers, air filter and exhaust that's about it

 

Wheels are easy to whip off, but I want to declare them to save hastle.

Exhaust, obviously.

Tint? I think I'll declare that.

 

Might rip the vinyl off the wing anyway, keep it just on the boot. 

Hot water and a few products should get that off in a few minutes.

Fly eye, pretty much the same as vinyl.

 

Wind deflectors, come off easily, bang them out in 5 mins.

 

Number plates, I'm sure you wouldn't even need to declare them, or that they'd even notice like,

Interior lights, surely they won't even look at that kind of ****, lol.

 

Might carry some masks and a taser, just incase I do get into a crash. 

 

 

The only thing I dont declare is when my missus is pishing me off; not worth the hassle.

Insurance on the other hand, any change from the original specification needs to be declared and would be a massive hassel if you don't :yes:

 

I agree with you, I just don't think I should have to declare vinyl and cosmetic things, you know?

You think it would go up much, saying I had some vinyl around the car?

 

Annoying that it's so strict, money grabbing ******s.

Wheels are easy to whip off, but I want to declare them to save hastle.

Exhaust, obviously.

Tint? I think I'll declare that.

Might rip the vinyl off the wing anyway, keep it just on the boot.

Hot water and a few products should get that off in a few minutes.

Fly eye, pretty much the same as vinyl.

Wind deflectors, come off easily, bang them out in 5 mins.

Number plates, I'm sure you wouldn't even need to declare them, or that they'd even notice like,

Interior lights, surely they won't even look at that kind of ****, lol.

Might carry some masks and a taser, just incase I do get into a crash.

I agree with you, I just don't think I should have to declare vinyl and cosmetic things, you know?

You think it would go up much, saying I had some vinyl around the car?

Annoying that it's so strict, money grabbing ******s.

Yes but another thing you've got to bear in mind is that in the event of a collision or incident someone might have dash cams onboard like I do which when trying to argue blame might end up being sent to your insurers who would see that you've not declared these things and tried to remove them to cover up!

Yes but another thing you've got to bear in mind is that in the event of a collision or incident someone might have dash cams onboard like I do which when trying to argue blame might end up being sent to your insurers who would see that you've not declared these things and tried to remove them to cover up!

 

Guess me and the boys will have to take their dash cam off them then, haha.

 

Alright so the consensus is delcare everything.

 

Now, if I put insurance, add exhaust and wheels mod it doubles it, to like 4 grand.

My mates say if I get insurance for standard, then ring and say I want alloy wheels for example, they just add like £30 for the year.

 

Anyone know more information about how that works?

 

They add £30 for the risk but don't replace the alloys in the event of a crash right? (which is what I want, I don't want to cover the complete value of the alloys)

Declare everything.

Remember, if you have a crash, hit a pedestrian and then a tree, you go to hospital, plod takes photos of the accident, car is towed to a pound as you are not in a position to tell them where to take it.

Pedestrian is wheelchair bound for their life because of accident, your insurance is invalidated due to mods, you personally are liable for the £2m damages the pedestrian sued you for.

Declare everything!!

I learnt the hard way when I owned a classic mini, my car was crashed into and because I had none standard mirrors on due to the originals no longer available anymore, they refused to pay out. Ever since then I have said everything no matter how silly or small of a mod it is.

You should declare everything, cos if you have an accident, if you're at fault then your insurance might end up void. If it's someone else's then their insurance might be able to wriggle out of paying you.

Ive alwys declared everything ive known about on the car.

Declare everything as we all know they will do anything to wiggle out of a payment

Sent from my Galaxy S5

I didn't declare my mods on my last car, it was written off, they sent an engineer out to asses the car, told my insurance company about all of the undeclared mods. Wheels, tints, exhaust, bigger brakes etc and they just said never mind and that they'll still honour the claim

If in doubt declare everything that is after market and/or altered from the manufacture specification. Believe me it's worth it's weight in gold should you ever need to claim! As they will avoid paying out for the slightest thing.

 

I had a highly modified Type R running 250bhp with a load of goodies on and unfortunately it came off the road and hit a wall in the bad winter we had a few years ago. Everything was declared and above board but even then they tried to claim that I hadn't declared the after market inlet manifold so were getting ****ty about paying out. Luckily I had copies of my original quote with all mods listed as covered so in the end they paid after 3 months of fighting them. 

 

The way I see it, some folk spend hundreds if not thousands modifying their car. Is it really worth saving a few quid by not insuring it correctly?

Edited 3 October, 201411 yr by mattbvRS

I didn't declare my mods on my last car, it was written off, they sent an engineer out to asses the car, told my insurance company about all of the undeclared mods. Wheels, tints, exhaust, bigger brakes etc and they just said never mind and that they'll still honour the claim

 

I think it's just the luck of the draw really, I know plenty who have got away with it too.

On the other hand, I've heard of people getting 6 points and driving without insurance because undeclared alloy wheels.

 

 

If in doubt declare everything that is after market and/or altered from the manufacture specification. Believe me it's worth it's weight in gold should you ever need to claim! As they will avoid paying out for the slightest thing.

 

I had a highly modified Type R running 250bhp with a load of goodies on and unfortunately it came off the road and hit a wall in the bad winter we had a few years ago. Everything was declared and above board but even then they tried to claim that I hadn't declared the after market inlet manifold so were getting ****ty about paying out. Luckily I had copies of my original quote with all mods listed as covered so in the end they paid after 3 months of fighting them. 

 

The way I see it, some folk spend hundreds if not thousands modifying their car. Is it really worth saving a few quid by not insuring it correctly?

 

If it's a few quid, no problem, but it says a few grand.

More than the car's worth, etc.

 

Did you read this bit, and are you able to shed any light on it?

 

Now, if I put insurance, add exhaust and wheels mod it doubles it, to like 4 grand.

 

My mates say if I get insurance for standard, then ring and say I want alloy wheels for example, they just add like £30 for the year.

 

Anyone know more information about how that works?

 

They add £30 for the risk but don't replace the alloys in the event of a crash right? (which is what I want, I don't want to cover the complete value of the alloys)

Comparison sites aren't for modified cars. You need to talk to someone over the phone. If I tick towbar on a comparison site, half the insurers decline to provide a quote, so I search as stock and then call up and declare over the phone. If I don't like the quote (ie it goes up - I don't have any mods that increase performance or make it more stealable), I move to the next one.

As everyone has already said, you need to decalre everything and use a specialist insurer such as Adrian Flux, Chris Knott, Sky Insurance and Brentacre Insurance. They will decide what increases the premium.

 

I would say wheels definitely, probably exhaust, and possibly window tints and LEDs. Basically anything that makes the car go faster, stop quicker and handle better will be classed as a mod and charged extra. Also, anything that makes the car more desirable to a thief, e.g. bigger alloys, led lights… not sure about camo wrap but it take all sorts

 

Good luck

When I insure my car they asked if I had any vinyl on the car! I'd definitely declare it if they're asking about it nowadays! 

If it's a few quid, no problem, but it says a few grand.

More than the car's worth, etc.

 

Did you read this bit, and are you able to shed any light on it?

 

Now, if I put insurance, add exhaust and wheels mod it doubles it, to like 4 grand.

 

My mates say if I get insurance for standard, then ring and say I want alloy wheels for example, they just add like £30 for the year.

 

Anyone know more information about how that works?

 

They add £30 for the risk but don't replace the alloys in the event of a crash right? (which is what I want, I don't want to cover the complete value of the alloys)

 

End of the day it's up to you, I personally wouldn't risk it going off experience. As said above you want to try specialist brokers as your more likely to get a reasonable quote.

 

I've used Adrian flux and Brentacre in the past and would recommend them especially if your going for more than the basic 3 mods of alloys, air intake and exhaust. They tend to have the mindset that the more modified the car is, the more likely the owner is to look after it hence the quotes are a bit more reasonable. Your more often than not covered like for like with them too which is a bonus. 

 

Also food for thought is there have been instances of them trying to wriggle out of 3rd party claims because of undeclared modifications believe it or not! I'd be mad has hell if someone hit me in a modified car and they tried to pull that one but it has been known to happen! Your basically driving round with no insurance when you don't declare mods is the way the law sees it so that's another thing your risking, being prosecuted for invalid/no insurance.

Declare everything.  I mean EVERYTHING.  I had one insurer tell me that a non-skoda lightbulb (direct replacement H7 from halfords) was classed as a modification in their eyes.

 

If you don't declare everything, you are practically driving around in an uninsured car.  Which means I actually hate you.  Sorry.

Yes but another thing you've got to bear in mind is that in the event of a collision or incident someone might have dash cams onboard like I do which when trying to argue blame might end up being sent to your insurers who would see that you've not declared these things and tried to remove them to cover up!

 

Hope you've declared your dash cam.

 

 

In all seriousness my insurance company have already said they are also classed as a mod and need adding to a policy.