I’ve had my Z for a month now and like many I’m busy making it better, in this day of big firms stitching up the public for not following the exact letter of the law/contract, how often should you tell the insurance company about mods, and which mods?

 

Do you tell them every time you make a change (pain in the butt, and I’d guess that they will charge an admin fee even just to add a simple item).

 

Would your insurance be void if you had a crash on a Monday and hadn’t told them about fuel lines/ECU Chip you added on the Sunday?

 

Now that I’ve got the car I’ve become aware that it has the following

Exhaust: Powerflow (cat back (not sure if cats are gutted or not))

 

And I’ve added the following

Induction: K&N 57i

Fuel: Smithy’s fuel lines

Hoses: Smithy’s silicon vacuum hoses

ECU: Andy’s ECU Map Two chip

AIV system 100% gone

Clear front Indicators

 

I’m about to add the following

Smithy’s big brake kit

1.0mm boost jets or boost controller

Samco water hoses

Zcentre Injen Twin Turbo Polished Hard Pipe Kit

 

Which one do I need to tell them about, or are they all technically a modification?

Thanks

David

well all insurers state

 

"Remember: You MUST inform your insurer of any modifications to your vehicle as non-disclosure may lead to the invalidation of your policy."

 

some of the mods you have listed are direct replacements so wouldnt be "mods"

exterior would be bodykit alloys

engine, chip etc

 

and to answer your question if they found the chip on a monday

you hadn't told them about off course it will be void its insurance isn't it lol

What insurance companies are mostly interested in is anything that increases the bhp of the car (ie, chips, boost controllers, upgraded turbos, etc) and anything that makes the car more "appealing" on the exterior (ie, body kits, alloys, etc).

 

I always found that when dealing with insurance companies that honesty is the best policy. Declare everything and they will probably tell you they're only interested in the chip and exhaust (although I've managed to successfully argue that my custom S/S catback exhaust was a direct replacement of the stock system).

 

I have had a couple of customers who voided their policy by not declaring things like chips and alloys. One crashed his car, claimed a new front end and four alloys and wasn't paid a penny because he failed to declare his JWT chip, Boost Controller and Volk TE37 rims ...

 

HTH

 

Dan

In the old days, it was common sense, but in all walks of life today you here about people losing out for petty stuff (not just car related stuff). I’d normally expect to tell them about the boost jets, chip and exhaust, and possibly the K&N, but if they are looking for a way not to pay out, could they claim that a Polished Hard Pipe Kit is an undeclared Mod, or worse still changing an orange indicator repeater to clear?

 

I’ll probably just sent the list to date and like you said see how they come back, maybe I’ll get a discount for Smithy’s 324mm big brake kits!

Declare all or its not worth the paper its written on :nono:

OR

Take a chance :confused:

 

I pay through the nose but im covered...peace of mind...least I cant be sued in a law case for £100,000

ive gone and declared everything in my rides list - in fact i had my rides list in front of me as i was on the phone. better to be safe and get yourself covered 100%

What about removing standard stuff? oO?!!!

i would think that removing something is just as much a modification as adding or changing something

what about dump valves?

 

and would i need to declare a turbo timer, as its not really a mod, is it?

what about dump valves?

 

and would i need to declare a turbo timer, as its not really a mod, is it?

 

 

i would say a turbo timer is a deffo to declare, as it enables the engine to run with no keys, even if you have an alarm that closes whilst running best to be safe than sorry

Just tell them eveything and let them decide.

 

That way if you ever have an accident they cannot weasle out of the claim. Whilst this may not appear to have much on you financially, supose the accident was your fault and the other party claimed for thousands in respect of personal injury etc etc.????

 

You'd truly be buggered - you'd lose everything not to mention a potential prison sentence for breaking the law by driving without insurance.

 

Just not worth the risk mate.

 

Richard :cool:

what about if you bought a pre modded car and you werent aware of ALL the mods. Ignorance not an excuse but a serious question?

what about if you bought a pre modded car and you werent aware of ALL the mods. Ignorance not an excuse but a serious question?

 

 

same as if you told them your car was say a '94 because you thought so

and it turned out to be a couple of years older, they would pay on the older price and many more examples i could think of

ignorance and insurance doesn't work m8;)

When my 200sx was torched by my other halfs ex, the insurance checked everything - inside and boot (what was left), engine bay for ANY mods+alarm and paperwork (mot, service history, driving licence and log book) for the car against my policy. They even argued that I hadn't told them the car had different wheels to standard, my get out was I stated the car came with alloys, never put a value on them. They also tried to work out if I had kept the car within the Ltd mileage I said I would be doing - BE CAREFUL IF STRETCHING THE TRUTH!!!