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27th February 2021, 08:46 | #1 |
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Insurance and modifications
Currently insured with Adrian Flux but just rang Aviva for a quote.
Not only did I crash and burn on the 160 remap as mine is a CDT but the number of modifications, 16. I am sure with some modifications to lighting this could be pushed to about 20. Only 1 is a performance mod. Whilst I understand performance mods being an issue, does anyone else have issues getting insurance with the number of mods on their car? My Renewal, £240.80 apparently same as last year. macafee2 Last edited by macafee2; 27th February 2021 at 09:19.. |
27th February 2021, 10:09 | #2 | |
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27th February 2021, 10:10 | #3 |
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Modifications appear to be any change from ex factory delivery specification
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27th February 2021, 10:12 | #4 | |
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mods are electric rear sun blind Towbar Full size spare wheel FBH Front fog lights electric seats Self diming mirror Walnut dash, was light oak Replaced the speedo cluster and indicator stalk so I can access the digital stuff Puddle lights Lit kick trims Remap Red door lights at edge of door card Aux socket Torch Cruise control rear parking sensors, for got this one so just added 5th March macafee2 Last edited by macafee2; 5th March 2021 at 12:30.. |
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27th February 2021, 10:37 | #5 | |
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27th February 2021, 11:14 | #6 |
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I was thinking the same, aside from the Remap, tow bar and the few extra lights, the rest couldn't be proven to not have been fitted when built, and wouldn't class a full size spare as a mod. Otherwise every time you put something in the boot it's a 'mod'.
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27th February 2021, 11:31 | #7 |
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As above re most of those changes. Adrian Flux are known to be a specialist performance mod insurer along with Chris Knott.
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27th February 2021, 11:41 | #8 |
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And surely the 160 re-map could only be found with specialist equipment and how many Insurance companies would have it ? And the knowledge to use it?
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27th February 2021, 12:31 | #9 | |
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Adrian flux have not seemed bothered by some of the modifications and so they do not add to the premium. If I declare all mods I never have to worry. macafee2 |
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27th February 2021, 12:38 | #10 |
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Gosh. It would never have occurred to me to declare a full size spare wheel in place of space saver as a modification. I accept the point but is this really what insurers want us to do? I have no idea whether my full size spare is oe ( though I'm sure someone can tell me!) Incidentally my insurer values my car at about the same as my excess, so its really third parties who are at risk if there is any dispute.
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