Oh yes, declare the lot. Oddly, some insurers seem to care little, some use it as an excuse to fleece you. On my MX5 I endeddeclarung stuff I never even fitted, just in case, since once I'd declared the extra horsepower Admiral didn't seem to care two hoots whether it had coilovers, big brakes or even a body kit.Right long story short iv been there and been stung 12 years ago my s3 is due to arrive in 3 weeks I plan on resonator delete I assume it's still a modification worthy declaring ?
Isn't it ironic that you could probably get insured on a Nissan GT-R for less than your current premium plus £1500! They litterally just pluck figures out the airI declared an 'Exhaust Modification' and it was £45 extra for the year.
A remap, £1500 extra a year.
Isn't it ironic that you could probably get insured on a Nissan GT-R for less than your current premium plus £1500! They litterally just pluck figures out the air
Interesting...... so if I'm getting some prices through comparethemarket or whoever, you'd say I should be attempting to declare the optional extras from factory?
My policy is still active from the previous car @Sandra so just transferred the S3 on to it for £18
What if the car your buying was loaded as standard? I.e the golfs have loads of spec standard. Surely you can't start declaring parts of a standard car? That's rediculous
Either way it doesn't make sense, as what difference does it make wether the car comes with it standard or as an option? The insurance group doesn't change.Depends how you mean, if it comes from the factory with that spec as standard then it's not a modification, if it's been specc'd as an option then it is.
No, but the cost of repair does...Either way it doesn't make sense, as what difference does it make wether the car comes with it standard or as an option? The insurance group doesn't change.
No, but the cost of repair does...
Let's say you prang the front ends of two MY17 S3 hatches. The cost repair the standard spec one will be considerably lower than the cost to repair the one with Matrix Lights, Park Assist, Advanced Cruise Control, and Parking Plus.
You've hit the nail on the head there, the insurance company want to cover themselves from paying more out than they really want to so will do that by potentially upping your premium to accommodate the fancy extras.
Guess ultimately the onus is on the buyer, I do agree with you though. Not everyone is going to know if the car they're buying came with certain things as standard or not.
I recently had exactly that problem. My insurer (Churchill) insists that every factory option is declared.... Metallic paint, parking sensors, even floor mats and no-cost options. Absolutely everything; any factory option is considered a modification. Quite tricky when I recently bought a 4 year old car and had no access to the original order or invoice plus the configurator had moved on to a new model. I had to get an original build sheet from the manufacturer to be able to properly insure the car.
Did it increase your price at all? Did they prompt you to give them? This thread has gotten me worried now with Elephant.
My premium did not increase. I was still left feeling a bit peed off though. The longer story....
I got a quote through confused.com. On confused.com 'modification' is defined explicitly as something added AFTER the car left the factory. So I ticked the 'no modifications' box. I just assumed it was an industry standard definition. Churchill honoured the confused.com price and duly took my payment and sent the policy documents.
Bored, I actually read the documents and noticed that Churchill include original factory options as modifications. Incredulous, I called them and they confirmed. When I had the options added the premium did not go up (even though there were £10k in options) but Churchill said that I could potentially have had a problem with claims if I had not had them added to the policy.
The cynic in me thinks that some insurers deliberately don't press the issue, leaving you to ask the questions. Nearly all cars are modified yet most drivers innocently tick the no modifications box. I wonder if the insurers like having that potential leverage which they cause by using a deliberately mis-leading term?
Wow. That's very naughty of them.
I'm going to give Elephant a call tomorrow, getting a little worried about this. I used compare the market, I will see if they class modifications as an after production change too. If they don't class options as a modification, I will argue it if need be as I filled out the quote form correctly and wasn't asked to provide any further information.
Fwiw, the policy document from Elephant defines modification as....
"Any changes to your cars standard specification, including accessories and additional parts; optional extras and after market alterations; trade related changes and parts. These include, but are not restricted to, cosmetic and/or performance changes or changes related to your business or profession. "
.... but what they really means I don't know.
Lol have you only just passed your test fella?!
TX.
Sent from my STV100-4 using Tapatalk
Probably been asked and answered before, so I apologise!You'd think that wouldn't you! The government have added compulsory charges onto premiums for young drivers which makes it twice as bad.
I will just have to pay it, even if it is £400 a month... what choice do I have otherwise? If it was that much when I changed, I wouldn't have bought the car. Hopefully it all settles and an extra years NCB (3 then) and a year older (20), it will take a little off of it The RS3 is £300 a year cheaper.
Probably been asked and answered before, so I apologise!
Have you put other named drivers on the policy? Parents or older siblings for example?
Just spoken to my insurance, not happy!! They want an additional £300+, now they know the car has the modifications I had to add them or the policy would have been cancelled.
I contested it and they have added them but not charged me for the next 2 weeks while they investigate it. They said I should have been asked if the car was modified or had optional extras, if they asked for optional extras I would have told them so I am 99.9% sure they didn't!!
They are going to listen to the call from October and let me know next week. Totally unacceptable £300 extra is most people's premium, ***!! My current premium would be close on £2100 then.
Daylight robbers.
Sorry to hear that.
Bahstards.
Yep, nightmare
Oh well, if I can't get the £300 discounted then at least I'm driving a nice car for it.
Take the mods off? ☻☻
Take the mods off? ☻☻