1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Insurance for mods

Discussion in 'A3/S3/Sportback (8P Chassis)' started by MartayMcFly, Aug 23, 2011.

  1. MartayMcFly
    Offline

    MartayMcFly Well-Known Member

    Joined:
    Feb 17, 2009
    Messages:
    2,639
    Likes Received:
    280
    Just got my quote back for putting on modifications (lowered <5cm, non-standard exhaust, non-standard wheels, other suspension changes, power increase 11-25%) and I'm pretty happy with the £27 they're asking for. However, reading through the additional term and conditions, they say they only pay out market value of the car and won't pay for modifications unless they form part of the manufacturer's standard specification.

    Is this standard practice across the board, or do some companies actually insure the modifications too? If no-one pays, why the increase in premium? Also, if I'm hit by someone else, does their insurance pay for my modified parts?
    #1
  2. AidenUK
    Offline

    AidenUK Well-Known Member

    Joined:
    May 27, 2009
    Messages:
    1,647
    Likes Received:
    38
    Deleted.
    #2
  3. MartayMcFly
    Offline

    MartayMcFly Well-Known Member

    Joined:
    Feb 17, 2009
    Messages:
    2,639
    Likes Received:
    280
    :uhm::think:
    #3
  4. AidenUK
    Offline

    AidenUK Well-Known Member

    Joined:
    May 27, 2009
    Messages:
    1,647
    Likes Received:
    38
    Sorry mate, i was going to say try Brentacre because if you have a modified car then you both agree a valuation of the car and if something happens they will pay the value of the car which has been agreed previously.

    They don't charged for visual mods IE nothing that doesn't improve BHP.
    #4
  5. Westy
    Offline

    Westy Double Dark Side! Diesel & 8P

    Joined:
    Dec 2, 2008
    Messages:
    17,296
    Likes Received:
    969
    I'm with Greenlight and they cover the cost of my mods. They were also cheaper than what Admiral wanted on a Standard S3 :wtf:
    #5
  6. Matt_S
    Offline

    Matt_S Member

    Joined:
    Sep 7, 2009
    Messages:
    92
    Likes Received:
    2
    As far as I'm aware, that is standard practice fella. What you can do is set an agreed value for the car, which you can then include the mods on. Varies from one company to another :)
    #6
  7. Ash187
    Offline

    Ash187 Audi Retrofitter

    Joined:
    Mar 12, 2009
    Messages:
    6,491
    Likes Received:
    396
    When i was with Adrian Flux i declared all mods on my Focus whether it be Aesthetic or Mechanical and made sure I had a receipt for it... in the event of a minor accident they would replace part for part.
    In my case it was a right off so they looked at the receipt price and deducted wear and tear.
    #7

Share This Page