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declaring mods for insurance.
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Old 10 Sep 2005, 11:30 AM   #1 (permalink)
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declaring mods for insurance.

if making a claim how would the insurers know that for instance you have a decatted exhaust or ECU re-map??? how is the car inspected after a crash? do the insurers just send around a a person to check the car out? anyone know how it all works?
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Old 10 Sep 2005, 11:36 AM   #2 (permalink)
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Nelson is the man to answer this one
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Old 10 Sep 2005, 01:48 PM   #3 (permalink)
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think its proably depends on if its a simple 1k payout or a two car writeoff....

You havnt have you?
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Old 10 Sep 2005, 04:00 PM   #4 (permalink)
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Originally Posted by 1999Turbo
think its proably depends on if its a simple 1k payout or a two car writeoff....

You havnt have you?
thankfully my car is fully intact, apart from some seagulls having no respect, (perhaps i should put a claim in for paint damage due to gull dumping??
just seeing if it is worth not declaring unseeable mods. the insurance companies have us completely over a barrel charging hundreds if not thousands of pounds, but they still expect us to be honest with them by declaring even small changes!
think about this; do you have your factory fitted car stereo? has anyone on here changed their car stereo? have you declared this? as many companies will certainly class this as a modification.
are my gold wheels standard or should i declare these too? what about decals? mods come in many shapes and forms. anyway, don't mean to rant, just wondering what the insurers procedures are on inspecting cars when a claim has been made.
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Old 10 Sep 2005, 04:04 PM   #5 (permalink)
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Even a gear knob is classed as a modification.... :P
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Old 10 Sep 2005, 06:28 PM   #6 (permalink)
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Basically if it didn't come out of the factory with it on it's classed as a mod. I know someone who didn't declare that her car had different wheels to the standard ones, they were only a different colour (she bought the car with them already changed). Because of this she has a lengthy court battle and months later eventually got a pay out.

We declare everything as it's not worth the hassle if something was to happen.
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Old 10 Sep 2005, 07:55 PM   #7 (permalink)
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We declare everything as it's not worth the hassle if something was to happen.
Have to agree. For piece of mind declare everything no matter how small and insignificant it may seem.
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Old 10 Sep 2005, 11:45 PM   #8 (permalink)
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3.5k saved i reckon over the years thats all im saying.
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Old 11 Sep 2005, 10:27 AM   #9 (permalink)
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Re: declaring mods for insurance.

Quote:
Originally Posted by brumbrum
if making a claim how would the insurers know that for instance you have a decatted exhaust or ECU re-map??? how is the car inspected after a crash? do the insurers just send around a a person to check the car out? anyone know how it all works?
I'd guess that as long as the mod's are not easy to see, you should be OK. (Does a decat exhaust look really different of a normal exhaust ?)(he sure can't see the ECU !).

Issue is that if the mods have been damaged, you'll need to get them replaced with standard items as I don't see an insurance firm paying for a bill that says "full De-Cat exhaust, 350bhp ECU remap', etc" :lol2:
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Old 11 Sep 2005, 10:32 AM   #10 (permalink)
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At the end of the day insurance companies are not silly and if you have an accident in a high power/value car they will find a way of not paying the full amount if they can, afterall it's their business to keep as much money as possible. They will check everything on the car both internal and external. If any of you are driving a car without declaring everything shame on you! :evil:
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Old 11 Sep 2005, 01:57 PM   #11 (permalink)
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Quote:
Originally Posted by Scooby Dee
At the end of the day insurance companies are not silly and if you have an accident in a high power/value car they will find a way of not paying the full amount if they can, afterall it's their business to keep as much money as possible. They will check everything on the car both internal and external. If any of you are driving a car without declaring everything shame on you! :evil:
You think I should declare that Brabus 6.1 engine on my S320 then ? :shock:
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Old 11 Sep 2005, 02:34 PM   #12 (permalink)
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Quote:
Originally Posted by torrekens
Quote:
Originally Posted by Scooby Dee
At the end of the day insurance companies are not silly and if you have an accident in a high power/value car they will find a way of not paying the full amount if they can, afterall it's their business to keep as much money as possible. They will check everything on the car both internal and external. If any of you are driving a car without declaring everything shame on you! :evil:
You think I should declare that Brabus 6.1 engine on my S320 then ? :shock:
I think you should tell us more about it if you're being serious
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Old 11 Sep 2005, 05:33 PM   #13 (permalink)
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Quote:
Originally Posted by Scooby Dee
Quote:
Originally Posted by torrekens
You think I should declare that Brabus 6.1 engine on my S320 then ? :shock:
I think you should tell us more about it if you're being serious
I wish !! :lol2:

Mind you, I am going to Bottrop (Brabus-town) in a week to discuss building in the V6 3.8S (306bhp, gets top to 165mph and 0-60 in 6s). The V6 is a fairly standard swap.
I'll check what it takes to build in a V8 6.1 though. If it's not twice the cost of the 3.8, I might consider that 450bhp lump
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Old 12 Sep 2005, 08:17 PM   #14 (permalink)
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I went through subaru insured and they wanted same price with all mods declared as tesco's wanted for the bog standard car

Buzz
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