MTRL
Split Grill!
- Joined
- Nov 17, 2011
- Messages
- 450
- Reaction score
- 53
- Points
- 28
Iv'e been planning a conversion from 8p1 to 8p2 s-line.
I already have the rear bumper and rear spoiler done.
I phoned my insurance company to see how far I could go without an increase in my premium. I didn't tell them my plans.
I was allowed my spoiler and splitter without an increase.
The rest of the mods iv'e done I doubt I need to tell them about.
(blacking out the grill, RS4 alloys, painted brakes, wrapped trim, LED upgrade, aluminium pedals, Lamin-x rear lights, parking sensors, s-line rear bumper, pressed plates & an ASN sticker of course).
Im sure as the conversion is a very noticable change to the appearance of the car, I wont get away with not telling them if it comes to a claim for theft or damage on my part.
With pouring so much time, effort and money into the car I want to be sure im covered. But I dont want to have my pants pulled down by chirchill the nodding dog.
As this is an issue for all of us who have modified their car in some way, I would like to know how others have dealt with it.
My insurance for example, playing around on confused.com:
The annual premium is not as big as I would have expected from a bunch of crooks, but the monthly is sky high. And I prefer to pay monthly.
Admiral seem to be the best for insuring modifications as long as you pay a lump sum.
So......
Do you tell them?
If so, how much do you tell them?
Could I get away with a facelift conversion as "exterior decorative change"?
What do you do?
I already have the rear bumper and rear spoiler done.
I phoned my insurance company to see how far I could go without an increase in my premium. I didn't tell them my plans.
I was allowed my spoiler and splitter without an increase.
The rest of the mods iv'e done I doubt I need to tell them about.
(blacking out the grill, RS4 alloys, painted brakes, wrapped trim, LED upgrade, aluminium pedals, Lamin-x rear lights, parking sensors, s-line rear bumper, pressed plates & an ASN sticker of course).
Im sure as the conversion is a very noticable change to the appearance of the car, I wont get away with not telling them if it comes to a claim for theft or damage on my part.
With pouring so much time, effort and money into the car I want to be sure im covered. But I dont want to have my pants pulled down by chirchill the nodding dog.
As this is an issue for all of us who have modified their car in some way, I would like to know how others have dealt with it.
My insurance for example, playing around on confused.com:
MOD | Annual | Monthly (total) | Providor |
Standard | £730 | £796 | AXA |
Exterior decorative Changes | £858 | £1,608 | Admiral |
Rear Spoiler | £858 | £1,608 | Admiral |
Front Splitter | £898 | £1,619 | Admiral |
Lowered <5cm | £920 | £1,728 | Admiral |
Tints - rear >30% | £924 | £1,000 | Quote me happy |
Alloys | £898 | £1,691 | Admiral |
All together | £1,064 | £1,219 | Flux Direct |
The annual premium is not as big as I would have expected from a bunch of crooks, but the monthly is sky high. And I prefer to pay monthly.
Admiral seem to be the best for insuring modifications as long as you pay a lump sum.
So......
Do you tell them?
If so, how much do you tell them?
Could I get away with a facelift conversion as "exterior decorative change"?
What do you do?
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