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Which mods do insurance companies need to be notified off?

MOA4B9 Jan 7, 2020

  1. MOA4B9

    MOA4B9 Active Member Team Daytona TFSI Owners Group S-line owners group Audi A4 S tronic

    My insurance is coming up for renewal and when I was on a comparison website it was asking about any modifications to the car like cosmetic or performance. I've done a few mods like changing front grille to RS style, de- chroming, tinting windows. Does the insurance company need to be notified off these mods? What do you inform your insurers off. Will these mods actually effect the price of insurance?
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  3. V6_Man

    V6_Man Moderator Staff Member Moderator Team Glacier Supercharged TFSI Owners Group Team V6 VCDS Map User Team Scuba Audi S4 quattro Audi A3 Black Edition

    You should and it would. Aftermarket tint, front grille and new alloys, and springs etc are all modifications to the original spec of the car. In my case declaring tint, S3 18" alloys and lowering springs all brought insurance down on Mrs' A3.

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  5. DieselJake

    DieselJake Well-Known Member VCDS Map User

    Should technically declare all, many specialists including Adrian Flux said they wouldn't insure my A4 as it had too many mods, not even joking... so I... erm... removed all mods... yeah... and insured with the cheapest insurer on a comparison site :innocent:

    Personally never have a car worth claiming for so realistically if it was an option not to have insurance like it is in many countries I wouldn't have it but the more a car is worth the more important it is to have stuff declared just to be on the safe side.
  6. MCarda

    MCarda Member TFSI Owners Group Team Tango S-line owners group Audi A6 Audi Avant Owner Group S tronic

    Considering what you have stated, do you have Third Party only or beyond that? With my previous car (Leon MK2 2009) after 6 years of ownership I dropped the insurance to TP only to save on cost and I hardly used the car during that period as well. The car used to be registered in Spain and I was paying €140 per YEAR to have road legal insurance rather than €500ish for comprehensive with a staggering €1200 excess!
  7. DieselJake

    DieselJake Well-Known Member VCDS Map User

    Just have whatever works out cheapest, generally fully comp tends to be cheaper for us which doesn't make much sense, have a different car now which is much more stock anyway so not such an issue now.

    For that much excess it's certainly worth trying to keep stuff off the books in a worst case scenario.
  8. Rich76

    Rich76 Well-Known Member TFSI Owners Group Team Phantom S-line owners group Audi A4

    A modification is anything that differs on the car that wasn’t on it when it left the factory !
    That would include any dealer fit options!

    All of them should be listed on insurance !

    I wouldn’t use Adrian flux again if they were the last insurance company on earth!
    The majority of staff know nothing at all about cars and modifications , when due to a medical condition I had to lay my highly modified car up for a period of time and borrow a non modified auto they wouldn’t cover me at all

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