Declaring mods on your insurance, Help!.?

Question

Rightio! I'm 20, passed my test a month or 2 ago and had the car for a few weeks. It's a 95 N-reg 106 1.9 diesel. Insurance is £1,800.

I bought it off some old guy, so it was pretty much all standard.

Since i've had it, i've installed/replaced..

15" Alloys.

CD Player.

Gear k**b, Gaitor and Gear surround.

New mirrors.

And a new steering wheel.

I havn't done anything to the performance of the car to make it go faster or anything.

Do i have declare what i've changed?

Some people have told me if i don't and old bill pulls me over and finds out nothing as been declared then im in S**t street.. While some people have said i don't need to because i've just change a few things with minor effects... if any.

I've also been told to stick Peugoet stickers on my new 'mods' so i can say there standard. Would this actually work?

Does buying the stuff from the car makers shop count as standard when installed or modded?

I believe the law on modded cars and declaring them to your insurance co isn't published enough, compared to what it should be. I've even been told if you have new tyres on your car, you have to declare them.

GGRRR I'm soo confused. I really can't afford to go any higher on my insurance, but then i don't wanna run the risk of getting caught, and f****d.

Answer 1

Tell them everything. Not all insurance companies load premiums for certain modifications but may use undeclared mods as a get out clause in the event of a claim. If your present insurers want to boost your premiums shop around for a better deal.

Answer 2

only thing you need to declare is the wheels...and then the insurance company wont be botherd as there only 15 inch...but if you had nitrous oxide and some 18 inch wheels then the insurance would double...

Answer 3

Bit late, I know, but I'd reiterate what others have already said, tell them about everything.  They'll almost certainly not be interested, but at least you've done your bit in telling them.  

It's in the contract you have with them that you tell them of any modifications. If you don't and it comes out when you make a claim, they have a chance of wriggling out as you've broken the contract.

If you want to really cover yourself, make a note of what you told them, date & time, and who you spoke to, and keep it handy with your insurance papers.

Answer 4

you need to declare any changes to the car not just performance related changes.  the changes you've made make the car more desirable to steal so could push your premium up.  you dont have to worry about getting pulled cos the cops wont know exactly what the details of your insurance policy are, they just know if you are insured or not, the trouble could come if you have an accident or need to claim for another reason and they find out the car has been modified, it invalidates your insurance so they wont pay out.

Answer 5

Best to mention everything. From your list, the only items the Ins Co might be interested in are the wheels and maybe the steering wheel.

Tell them about the lot and see what they say. Chances are your premium would be not affected.

If you don't tell them then they have a get-out clause if you have a prang.

Answer 6

Any modifications to the vehicle from standard must be communicated to your insurance company. Some of your modifications do make your vehicle more desirable to thieves, and if your car was stolen without your making the notification then the Insurance company would be within their rights to nullify the policy. Trying to hide the parts by putting Peugeot stickers onto them isn't going work either - your wheels may well cost more than the factory fitted alloys. The Police would not be interested in the modifications that you've made - they do not know the details of your cover, just that you are insured to drive the vehicle on the road.

With Insurance the best advice is that if in doubt give them a call, they will  quite happily tell you if you need notify or not.

Answer 7

The plod ain't interested in the mods you've made, as long as you have insurance and the motors legal that's all there interested in. The mods that you have done is nothing to start panicking over, unless your alloys cost a grand or more i wouldn't tell them a thing, everything else is pretty much bog standard, so don't worry. Your legal and insured that's all that matters.