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Factory fitted options - are these modifications?

Discussion in 'Insurance - Sponsored by Sky Insurance' started by Kraken27, Jun 27, 2013.

  1. Kraken27
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    Kraken27 New Member

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    [Jun 27, 2013]
    Just wondered if people on here know how insurers tend to treat factory-fitted options that vary the car from the standard specification? Given that all it takes to vary an Audi from standard specification is metallic paint, if insurers are classing this as a modification, then there must be a lot of folks driving with invalidated insurance if they did not declare this.

    Obviously, all factory-fitted extras are going to be 100% legal / safe, which should help to appease the insurers.
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  3. skyinsurance
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    skyinsurance Site Sponsor Site Sponsor

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    [Jun 27, 2013]
    Insurers systems invariably do not pick up factory fitted options, therefore for the correct cover to be in place, they need to be declared. They should not effect premium.

    Thanks

    Ollie
    Sky Insurance

    Tel: 01707 642552

    [​IMG]
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  4. Tim@Prestige
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    Tim@Prestige Member

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    [Jun 27, 2013]
    Yep, same with us. Declare them at the quote stage but they won't affect the premium :)
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