Monster MotorsportEM Tuning
Results 1 to 21 of 21
  1. #1
    2nd Gear

    Status
    Offline
    Join Date
    Sep 2010
    Posts
    392

    Window Tinting - Is this a modification on the insurance?

    Hi

    I've recently changed my insurance provider, and i've just had an email through saying that the car's windows are tinted - They want to add another £200 onto the premium.

    They were actually done in the factory at Audi, does this still class them as a modification on the insurance?
    Picked up on the 30th May!

    2013 '13' Plate - Audi TT 1.8 TFSI S Line Roadster | Ibis White | Xenon Headlights with LED DRL | Half Leather/Suede with Silver Stitching | Brushed Aluminium Trim

    Gone but won't be forgotten! 2011 '11' Plate - Audi A3 1.4 TFSI S Line | Ibis White | Privacy Glass | iPod Dock | Xenon Headlights with LED DRL | Half Leather with Silver Stitching | Brushed Aluminium Trim | S3 Pedals

  2. # ADS
    ADS
    Join Date
    Always
    Posts
    Many
     
  3. #2
    bez101's Avatar
    Yorkshire & Humber Rep.

    Status
    Online
    Join Date
    Jul 2008
    Posts
    7,916
    i think its still classed as a mod even from factory
    but someone with more in the know will be along to answer.
    or call the insurance and tell them there factory fitted.

  4. #3
    TDI140's Avatar
    5th Gear

    Status
    Offline
    Join Date
    May 2011
    Posts
    1,293
    Just say thats how you bought it they cant do anything about it same with rims say thats how you bought it, my uncle crashed his car and the insurance said its not written in the spec with 20" wheels he just said thats how i bought it and they were fine with it most insurers are i guess but £200 extra is a bit too much on insurance
    A3 2.0TDI FWD sportback with GT1756 225bhp 351ft lb, forge boost hoses red, milltek decat system, BMC panel filter, golf gti edition 30 full front brakes brembo pads, black honeycomb grill, full oem s line kit + cupra r lip, LED side lights, OEM xenons, LED interior lighting, LED A8 number plate lights, boost gauge, alloy catch can with red hoses, FBSW, windows tinted, de-badged, now on air ride with chassis notch

  5. #4
    bez101's Avatar
    Yorkshire & Humber Rep.

    Status
    Online
    Join Date
    Jul 2008
    Posts
    7,916

    Window Tinting - Is this a modification on the insurance?

    That's some good info tdi
    Insurance dont stand for it was there when I bought it.
    So if I buy a car with remap wheels coils don't declare them and say they were on when I bought it ill get away with it ?
    I doubt it very much

  6. #5
    Smillie13's Avatar
    5th Gear

    Status
    Offline
    Join Date
    Sep 2012
    Location
    West Lothian
    Posts
    933

    My Social Networking

    Follow Smillie13 On Twitter
    I was hammered by my insurance when I changed it mid term for my car as it had tinted windows.
    It cost me an extra £150 for the remaining 6 months of the policy.

  7. #6
    TDI140's Avatar
    5th Gear

    Status
    Offline
    Join Date
    May 2011
    Posts
    1,293
    My dad was also in an accident he had 22" wheels on his 4x4 porsche cayenne the i surance payed out fine not sure how the insurance companies work out but if in doubt you should pay the extra £200 to be safe but it is still shocking £200 for some black windows instead of clear
    A3 2.0TDI FWD sportback with GT1756 225bhp 351ft lb, forge boost hoses red, milltek decat system, BMC panel filter, golf gti edition 30 full front brakes brembo pads, black honeycomb grill, full oem s line kit + cupra r lip, LED side lights, OEM xenons, LED interior lighting, LED A8 number plate lights, boost gauge, alloy catch can with red hoses, FBSW, windows tinted, de-badged, now on air ride with chassis notch

  8. #7
    5th Gear

    Status
    Offline
    Join Date
    Feb 2011
    Location
    Plymouth
    Posts
    937
    You have to declare optional extra wheels as it isn't a "standard" part so yes..

  9. #8
    harvz's Avatar
    Neutral

    Status
    Offline
    Join Date
    Dec 2011
    Posts
    60
    Yeah it's a modification to the car, doesn't matter if a private company or the manufacturer did it....The insurance cover your car from standard spec they can't mind read every cars factory added extras. tbh I wouldn't tell them and if u did get in a mess just rip them off... But that's up to u.

  10. #9
    MacrosTheBlack's Avatar
    1st Gear

    Status
    Offline
    Join Date
    Mar 2008
    Location
    Kent
    Posts
    204
    You can't rip the tints off its embedded in the glass not stuck on. I'd argue with the insurance that its Audi's own rear windows tint done on the assembly line as an option. Also tell them it's privacy glass to help protect rear contents from potential thieves looking in to see what you might have. Therefore if anything they should be decreasing your premium as you paid more to have that feature.
    Sold:Audi S3 (2008 8P2 with upgrades by NHN)
    Phantom Black
    , Bucket Seats, Sunroof, Parking Sensors, FBMFSW, Armrest Phone Prep, Privacy Glass, ILP, FTW, BOSE, RNSE MkII SDS & AMI, Cruise Control, MY11 Folding/Dimming Mirrors, MY11 Rear Lights, Auto Lights/Wipers

  11. #10
    sliced's Avatar
    Drive safe, stay alive.

    Status
    Offline
    Join Date
    Jun 2012
    Posts
    1,161
    With my insurance company as long as it was fitted from factory it's fine, so my privacy glass is covered

  12. #11
    4th Gear

    Status
    Online
    Join Date
    Mar 2011
    Location
    Cleveland
    Posts
    867
    You insure the model of car, so they can't charge extra money if the 'extras' are standard for that model, only if you specify extra 'extras'.

    If you buy a 2nd-hand car, how is Joe Soap supposed to know what was on it from the factory?

  13. #12
    Neutral

    Status
    Offline
    Join Date
    May 2009
    Location
    West Midlands
    Posts
    57
    A modification only has to be declared if it deviates away from the factory standard or "factory option" specification as shown on the purchase invoice from new. If you do not have the invoice, the manufacturer or DVLA can confirm the original new spec for which a fee may be charged.

    if you have factory fitted privacy glass it is not a modification.
    Any upgrade that is applied to your car after delivery i.e alloys (even OEM), window film, towbar, body kit, paint colour, light upgrades, performance enhancing mechanicals, incl brakes, engine and exhaust all are considered "risk" modifications and should be declared to your insurer.

  14. #13
    Rom
    Rom's Avatar
    2nd Gear

    Status
    Offline
    Join Date
    May 2010
    Location
    Bristol
    Posts
    442
    How do they know its tinted ? You told them ?

    Its a dodgy area. I read years ago about a mini, which a woman bought new from a dealer. This dealer fitted some alloys to try and shift the car. When crashed, insurance argued they werent the alloys it should of had, despite being fitted without her even knowing.

    Conversely, how is the owner of a used car to know if rear glass came like that, or has been modified.
    But, that doesnt mean you can get away with driving an S3 engined 1.4 and claiming you didnt know

    Its your call at the end of the day. If it was bought from new like it, you have a good chance of arguing it. Some models, or editions come with privacy glass.
    VCDS - Hex-Can-USB - Bristol Area
    Toyota Pro Tech - PM me if you need something done!


    2004 A3 TDi Sport
    - Bose, Leather / Alcantaras, Cruise, Eibach Sportlines, S Line Facelift
    Full Paint Correction
    To Do - Lamin X, Tints, Wheels

    Past Cars

    Peugeot 205 Gti Mi16 - Main love affair - Build Thread
    Honda CRX SiR - Short lived - Build Thread
    BMW E46 330d Sport
    Peugeot 306 Hdi DTurbo
    VW Gold MK4 TDi
    Vauxhall Nova SR - First car!


  15. #14
    harvz's Avatar
    Neutral

    Status
    Offline
    Join Date
    Dec 2011
    Posts
    60
    gonna have to retract what i said above, i just renewed my car insurance with swift cover and they state

    Modifications

    1. You accept that if your car has been modified to enhance its performance in any way, we will not insure it.
    2. If your car has been modified in any way from the manufacturer's standard specification (excluding manufacturer's options fitted at the time of original purchase), you can confirm that you have read the modification screen and have checked that these modifications are acceptable to us.
    So i highlighted the important bit in bold. But insurance companies can vary so check the T&C.

    Also tints and be wripped off if added after factory. But tru cant be undone if done in factory as its another glass all together

  16. #15
    2nd Gear

    Status
    Offline
    Join Date
    Sep 2010
    Posts
    392
    Cheers for all the replies guys! They're all very helpful!

    We phoned them today, and lady couldn't get her head round it. All she kept saying was 'have you paid extra' so I said ofcourse we paid extra, but it's a factory fitted option not a modification. She still couldn't hack it.

    Were being called by the team on Tuesday who will be looking into it for me. Is there anything I can quote which is law or rules which insurers have to follow?

    Thanks guys
    Picked up on the 30th May!

    2013 '13' Plate - Audi TT 1.8 TFSI S Line Roadster | Ibis White | Xenon Headlights with LED DRL | Half Leather/Suede with Silver Stitching | Brushed Aluminium Trim

    Gone but won't be forgotten! 2011 '11' Plate - Audi A3 1.4 TFSI S Line | Ibis White | Privacy Glass | iPod Dock | Xenon Headlights with LED DRL | Half Leather with Silver Stitching | Brushed Aluminium Trim | S3 Pedals

  17. #16
    964kevin's Avatar
    Neutral

    Status
    Offline
    Join Date
    Feb 2010
    Posts
    94
    Quote Originally Posted by A3BE View Post
    A modification only has to be declared if it deviates away from the factory standard or "factory option" specification as shown on the purchase invoice from new. If you do not have the invoice, the manufacturer or DVLA can confirm the original new spec for which a fee may be charged.

    if you have factory fitted privacy glass it is not a modification.
    Any upgrade that is applied to your car after delivery i.e alloys (even OEM), window film, towbar, body kit, paint colour, light upgrades, performance enhancing mechanicals, incl brakes, engine and exhaust all are considered "risk" modifications and should be declared to your insurer.
    ^^ This, ignorance in the eyes of the law is not an excuse. All you do is provide an opt out clause for the insurers, and you end up with nowt.

    Always declare.

    Kevin

  18. #17
    Neutral

    Status
    Offline
    Join Date
    May 2009
    Location
    West Midlands
    Posts
    57
    Quote Originally Posted by 964kevin View Post
    ^^ This, ignorance in the eyes of the law is not an excuse. All you do is provide an opt out clause for the insurers, and you end up with nowt.

    Always declare.

    Kevin
    Not sure from your post but are you insinuating that my reply is ignorant of the motor insurers code regarding declaration of modifications?

  19. #18
    Tempy's Avatar
    1st Gear

    Status
    Offline
    Join Date
    Aug 2012
    Location
    Kent
    Posts
    148
    Nah, I read it that he's agreeing with your post, then going on to say that pleading ignorance with the insurer will get you nowhere.
    Audi A3 8P 2.0 TDi S-Line 140CR 3DR | Full Leather S3 Dimple Heated Interior | Dual Zone Climate Control | Black Edition Grille | Black Edition Fog Light Grilles | Dension iPhone Kit | Heated Seat Retro-Fit | Titanium Alloy Refurb | Window Tints | Parrot Bluetooth

    Plans
    Remap
    | Reverse Parking Sensors | Who Knows Where From There

  20. #19
    5th Gear

    Status
    Offline
    Join Date
    Apr 2012
    Location
    N. Wales, LL22
    Posts
    1,224
    all car glass is tinted!
    VCDS in North Wales
    2007 A6 3.0TDi S-Line Le Mans Avant , adaptive xenon lights, sunroof, privacy glass, towbar, led rears & randomly rear seat airbags
    1999 Honda S2000 , mcb low milage jap import, fully bushed, mugen exhaust <<< for sale! <<<
    2001 Passat TDi 130 Sport < sold!! http://img.photobucket.com/albums/v343/Ste_Nova/Passat/PB140007s.jpg

  21. #20
    5th Gear

    Status
    Offline
    Join Date
    Apr 2012
    Location
    N. Wales, LL22
    Posts
    1,224
    Quote Originally Posted by MattyW19 View Post
    but it's a factory fitted option not a modification. She still couldn't hack it.
    did you tell them about your other extras "Privacy Glass | iPod Dock | Xenon Headlights with LED DRL | Half Leather with Silver Stitching | Brushed Aluminium Trim | S3 Pedals"?
    VCDS in North Wales
    2007 A6 3.0TDi S-Line Le Mans Avant , adaptive xenon lights, sunroof, privacy glass, towbar, led rears & randomly rear seat airbags
    1999 Honda S2000 , mcb low milage jap import, fully bushed, mugen exhaust <<< for sale! <<<
    2001 Passat TDi 130 Sport < sold!! http://img.photobucket.com/albums/v343/Ste_Nova/Passat/PB140007s.jpg

  22. #21
    964kevin's Avatar
    Neutral

    Status
    Offline
    Join Date
    Feb 2010
    Posts
    94
    Quote Originally Posted by Tempy View Post
    Nah, I read it that he's agreeing with your post, then going on to say that pleading ignorance with the insurer will get you nowhere.
    ^^^^ Correct.

    Kevin

 

 

Similar Threads

  1. Getting the windows tinted tomorrow - How dark?
    By Ads_AudiA3 in forum A3/S3/Sportback (8P Chassis)
    Replies: 18
    Last Post: 4th October 2012, 12:25
  2. has any1 bought the precut window tints of fleabay
    By wallace78 in forum General Chat
    Replies: 6
    Last Post: 22nd April 2012, 23:09
  3. Window tinting and the new law
    By JDM82 in forum General Automotive Chat
    Replies: 4
    Last Post: 27th August 2011, 08:38
  4. Window tints in the North West
    By imported_reda3lee in forum General Chat
    Replies: 5
    Last Post: 13th January 2005, 13:39
  5. Window tinting
    By Medders in forum A8/S8 forum
    Replies: 9
    Last Post: 27th November 2003, 02:05

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Single Sign On provided by vBSSO

Garage Plus, Vendor Tools vBulletin Plugins by Drive Thru Online, Inc.

Content Relevant URLs by vBSEO