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Telling insurance about mods

Discussion in 'A3/S3 Forum (8L Chassis)' started by Jay, Apr 29, 2007.

  1. Jay
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    Jay Member

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    [Apr 29, 2007]
    I finally got some 18" RS6s fitted yesterday. Question is do I need to tell my insurance company?
    Previous ones were standard 16" factory fitted.
    #1
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  3. vanilla_ice
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    vanilla_ice Member

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    [Apr 29, 2007]
    Officially yes, otherwise it could make your insurance null and void if involved in an accident.

    ICE
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  4. doeboy
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    doeboy Member

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    [Apr 29, 2007]
    it shouldn't do much if anything to the premium TBH, it;s only a theft risk.

    Thats unless your expecting to do this to someone.



    [ytv]Pd_cROGcNxc[/ytv]
    #3
  5. AndyMac
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    AndyMac Moderator Staff Member Moderator

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    [Apr 29, 2007]
    It should go down if anything as the RS6's reps are worth less than the Audi originals.
    I never told my insurance company about my 18's, not because I wanted to defraud anyone, but because it never actually occurred to me. If my car's wheels get nicked I'm hardly gonna claim on the insurance.
    #4
  6. silver75
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    silver75 Big Ron

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    [Apr 30, 2007]
    I declared my wheels but should I declare my suspension mods?
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  7. Blunteh
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    Blunteh Member

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    [Apr 30, 2007]
    Yes... All mods should be declared or they could refuse to pay out on a claim. If you don't inform them you are commiting fraud.
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  8. simch
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    simch Active Member

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    [Apr 30, 2007]
    Answer is YES!
    I had a friend who put 18 anni wheels on his golf and saifdf they were VW option wheels from new to his insuarance....when he had a bump, they checked and decoded the sticker in his boot showing car spec and it shown it built 16's! Decided to not pay out!
    he managed to take it to court and claim he never knew, and won SOME of his claim, but not all.. (but he darned well did know cos I went to get the wheels with him after he bought the car!)

    So be safe and tell them. In court they admitted by him delcaring them, it would not have made the premium go up! But he misrepresented the car regardless!
    #7
  9. AndyMac
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    AndyMac Moderator Staff Member Moderator

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    [Apr 30, 2007]
    I added a cupholder over the weekend, I'm on the phone to them now!
    #8
  10. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Apr 30, 2007]
    Let us know how much your insurance goes up bt Andy. :)
    #9
  11. Blunteh
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    Blunteh Member

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    [Apr 30, 2007]
    Remember to specify if it's OE or not !!
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  12. Jampublic
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    Jampublic Taking it easy..

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    [Apr 30, 2007]
    And no photo to show them off? :(
    #11
  13. BrianM
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    BrianM BrianM

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    [Apr 30, 2007]
    When you tell the insurance company make sure they confirm that they payout to replace in the case of loss. My son declared his wheels to the insurer "Elephant" and when they were stolen they refused to pay out and would only cover the replacement cost of OEM wheels, its carefully hidden in the small print. Apparently the extra cost (£30 py) of declaring the wheels is to cover the fact they are non standard and more likely to be a theft target!
    #12
  14. MikeA3
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    MikeA3 Active Member VCDS Map User

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    [Apr 30, 2007]
    Declare all mods IMO - you never know when some t!t's going to run into your car.

    better £30 extra per year than them not paying out ££££'s if it comes to it
    #13
  15. ChriS3
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    ChriS3 hud at ye bam

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    [Apr 30, 2007]
    Things like uprated brakes, suspension, wheels, etc. (non-performance enhancing mods) normally only have an administration charge. Admiral used to charge me about £15 every time I changed something. Overall the premium never went up.
    #14
  16. Blunteh
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    Blunteh Member

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    [May 1, 2007]
    Direct line increased my premium £65 for uprated ARBs.... In hindsight I wish I'd left them then (I didn't due to the month's premium penalty for leaving early, which is actually less than the increase and less than the difference between them and a better insurer....)
    #15
  17. Jay
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    Jay Member

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    [May 1, 2007]
    I might hold off for abit as insurance is up for renwal in June.

    Just hope theres no incidents before then!
    #16
  18. s3ollie
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    s3ollie Member

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    [May 1, 2007]
    #17
  19. FrankScorpio
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    FrankScorpio Member

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    [May 2, 2007]
    I had a car that had several mods declared and when I crashed it (no one else involved), the repairer had to sit on it until an engineer (not an assessor) went out to inspect it. He later told me that the bloke had come to check for other mods because declaring the few I had, they thought I'd have more. I didn't and they paid up which was good.
    Mods were - airbox, filter, dv, exhaust, disks, brake hoses, strut brace, lowered.
    I think they were looking for cosmetic as typically someone who's done the other work will have added wheels, lips, skirts etc.

    They also would only have paid out OE replacements.
    #18
  20. Blunteh
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    Blunteh Member

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    [May 2, 2007]
    Let's assume I flip my car and end up with it on it's side or upside down.... My nice bright red Neuspeed ARBs would show up a far bit..... Let's assume they say I lost control and that caused the flip, the accident investigators say it could have been due to my suspension being modified...

    Bang... no insurance.

    If I put it another way, would you bet your entire car (and possibly more) for £65 ? That's how I see it.. a gamble.
    #19

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