adz_rolls
S3XY
Im guessing that my insurance company is going to want to know that im lowering my car with -30mm apex springs? What has the impact been on cost of your insurance?
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It's generally a 10% addition to premium per mod across most insurers though there are obviously difference dependant on which company you're with, if they don't affect performance. Unless you have a modified car policy then i think it be less.....
anyone else? im insured with admiral, dont think they r gonna like the fact that i wanna lower it but who knows
Just phoned Admiral and had to pay an extra £148 to declare my springs (25mm drop) and ARBs. Apparently it's the ARBs that killed me as statistically people with these are more likely to have an accident. Go figure.
As for my Billy's, they didn't have uprated dampers on their system so didn't need to pay a premium on them.
Just note that Admiral don't pay out for modifications that aren't factory fitted!
Also, make sure that you declare your remap as under a 5% increase in performance, otherwise they won't insure you!
Run that last part by me again? Surely they will pay out, if mods are declared, otherwise what are you paying an extra 148£ for?
Run that last part by me again? Surely they will pay out, if mods are declared, otherwise what are you paying an extra 148£ for?
I'm 24, 3 years NCB and no points or nuffinjdas03 said:How old/NCB you have? wondering as i think age will be a big factor in whether u can mod!
You'll be paying the inflated premium due to the increased risk of you writting your car off now that you have made it a bit more of a boy racer
Whether your more likely to write the car off now that it has better handling is debateable.
Remember Insurance companines aren't honest people
The whole insurance and mod thing is a load of tosh to be fair. Its just of course a reason to push up premiums as we know. There are sooo many exceptions it is often not even worth telling them about most mods, now im not suggesting you do that but the net effect is often nothing anyway. I had an insurance co once tell me that changing the tyres was a mod and suggested it may affect the premium as the tyres were not as OEM specifies. ...Now think about this a minute..how many vehicles, of all sorts, over say 5 years old are running the same brand and exact spec tyres they were the day they left the dealers???? very few Id say, and did everyone of the policies get adjusted??? not a chance. So by the inurance companies definition, the majority of used cars, bikes and trucks out there are uninsured. Tosh
I had a seat once that had a tuning box fitted, i didnt even know as it wasnt declared to me when I bought it...drove it 3 years, had a scrape, not issues.
Of course a serious engine mod that dramatically changes the performance, yes, different pot of haddock but ARB's? engine bushes? cmon man???? How many people innocently pop down the scrappy, pull a bit off a car and bolt it to theirs not even knowing if its OEM or upgraded parts? every week that probably happens. Minefield guys im telling you.
Basically if you don't declare certain mods, write the car off and the claims investigator spots them, they legally have every right not to pay out a penny. Then you're screwed completely for the sake of a couple of hundred quid. As my ARBs and springs are bright red, they'd have to be complete muppets not to spot them. Unfortuntely I didn't realise this when I took out the original insurance but will change to someone like Adrian Flux when I'm up for renewal.
Insurance companies are just a bunch of cu*ts! Simple as that!