From another thread:
Quote from: "markiii"Insurance? well I suppose technically you should advise them [decatting the manifold], but you've not actually added anything? would I tell them if I removed the radio?
s:roll: :roll: s:roll: YES. s:roll: :roll: s:roll:
Any material change of the car should be reported. Anything that changes the value, or perceived value; anything that is out-of-spec from that stated in the users manual.
Painting your brake calipers can be construed as changing the perceived value.
Out-of-spec includes oil, brake fluid and tyres. 195 fronts and DOT4 fluid for example.
Simply, if *you've* done something with your car, then it's *your* responsibility to inform the insurance company. Whether they charge you for it, or dismiss it as irrelevent is their choice.
Oh come on. I would like to know the percentage of people who actually report minor upgrades to their car. I bet it is very small!!!!
I don't disagree. Just because you don't do it doesn't mean it's not wrong.
I fear Martin is right. I think you should tell them about all changes.
But people don't tell them about the £100s worth of CDs in the dash cubby, or the £40 mats and all the other small changes.
I guess it all depends how much risk you want to take with your insurer. The last time I wrote off my car I didn't have any trouble with the mats or the CDs... but could have quite easily if they'd have taken a hard line.
You takes your chances.
Quote from: "phil4"I guess it all depends how much risk you want to take with your insurer. The last time I wrote off my car I didn't have any trouble with the mats or the CDs... but could have quite easily if they'd have taken a hard line.
I'm pretty sure that if they decide they don't want to pay out, they won't, even if your car is standard - they can
always find a way of avoiding a payout..
Note that CDs and mats are part of the contents of the car and will have a separate section under your insurance.
Quote from: "stuart_telfer"Oh come on. I would like to know the percentage of people who actually report minor upgrades to their car. I bet it is very small!!!!
s:oops: :oops: s:oops: s:oops: :oops: s:oops: s:oops: :oops: s:oops:
I have informed my insurance of each mod. Whether it was the clear side repeaters, the leather seats, the lowering springs or TTE exhaust.
My view is this. Very few insurance companies will charge you extra for minor mods (eg clear side repeaters), however, I paid money for that part. If something happens to my car then I want to be able to claim back all that I can.
Quote from: "Peter Laborne"I have informed my insurance of each mod. Whether it was the clear side repeaters, the leather seats, the lowering springs or TTE exhaust.
I do the same thing these days (which is why there are't many mods!)..
The only difference is, I know the cost of my mods isn't covered - I couldn't find an insurance company who'd do that without doubling the cost of cover to the £1500 area and losing my Class1 business use s:( :( s:(
Ah well..
Quote from: "mph"Note that CDs and mats are part of the contents of the car and will have a separate section under your insurance.
Normallly home insurance i think?
Quote from: "bigun007"Quote from: "mph"Note that CDs and mats are part of the contents of the car and will have a separate section under your insurance.
Normallly home insurance i think?
Only if you have an 'all-risks' section cover; rarely standard, usually on specified-items only (eg logged serial numbers), and tends to be expensive.
Quote from: "mph"From another thread:
Quote from: "markiii"Insurance? well I suppose technically you should advise them [decatting the manifold], but you've not actually added anything? would I tell them if I removed the radio?
s:roll: :roll: s:roll: YES. s:roll: :roll: s:roll:
Any material change of the car should be reported. Anything that changes the value, or perceived value; anything that is out-of-spec from that stated in the users manual.
Painting your brake calipers can be construed as changing the perceived value.
Out-of-spec includes oil, brake fluid and tyres. 195 fronts and DOT4 fluid for example.
Simply, if *you've* done something with your car, then it's *your* responsibility to inform the insurance company. Whether they charge you for it, or dismiss it as irrelevent is their choice.
Interesting Dorset took teh aproach with me that if it's listed as being on it but isn't they don't care, only the other way araound.
When a car is authorised for sale within the UK it is issued with what is known as a "Model Report". This is what insurance companies use for determining standard Spec cars.
To see or get hold of any model report for any vehicle (if you want to pay)you can use this website w www.modelreport.co.uk (http://www.modelreport.co.uk) w (import orientated)
As of 01/04/04 All imported cars have to use the same forms to be SVA'd, another way of getting circa £500 out of you s:( :( s:(
Quote from: "da hulk"When a car is authorised for sale within the UK it is issued with what is known as a "Model Report". This is what insurance companies use for determining standard Spec cars.
To see or get hold of any model report for any vehicle (if you want to pay)you can use this website w www.modelreport.co.uk (http://www.modelreport.co.uk) w (import orientated)
As of 01/04/04 All imported cars have to use the same forms to be SVA'd, another way of getting circa £500 out of you s:( :( s:(
This is what I think I was talking about:
m http://www.mr2roc.org/forum/viewtopic.php?t=3331 (http://www.mr2roc.org/forum/viewtopic.php?t=3331) m
Same thing? So all imported cars have to meet the "standard" they were when new?
Tim