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Couple of Q's

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bensouthport

Post subject: Couple of Q's

Posted: Fri Feb 04, 2011 12:39 am

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firstly. my insurance will be void if i do any modifications.

as my suspension i bought is onl a 30mm drop, it wont be obvious by eye (i dont think) so does anyone know the procedure of examining a car by your insurance company?

second is, my wishbones have gone again, been advised to polybush it. how much will it be to do the front and where can i go to get the stuff?

seen some on ebay but thats a full set and over my budget atm.

cheers, ben

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Percy

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 12:52 am

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In the event of an accident they may not even look at the car, if they do they might not notice or care about mods.

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bensouthport

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 12:55 am

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how certain are you on a scale of 1-10?

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32coupe

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 9:07 am

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Joined: Thu Jan 06, 2011 6:34 pm
Posts: 190

Car insurers a gettin sneaky at paying out from what I heard of guys in the know is that if your tyre psi is out by 10% I think they won't pay out cause car has been deemed un roadworthy
But sayin that if you only have minor bump and or police don't impound the car the insurance assesor can't check the vehicle over have you tried a quote with the lowered springs? Poly bushes are straight forward to fit had them on my 100e think full set cost bout 80 or so

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bensouthport

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 7:26 pm

Out of the closet

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Location: Southport
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hmm well my insurance policy doesnt allow any modifications whatsoever!

might just go for the full set then, think its like 54 on ebay.

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InSane

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 7:32 pm

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bensouthport

Post subject: Re: Couple of Q's

Posted: Fri Feb 04, 2011 7:36 pm

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Location: Southport
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yeah i know it's my call. had that talk off my dad, hence why im selling my alloys. and ill probably leave my suspension until i change my policy (in a few months) so since im having my exhaust replaced on friday (which needs doing) im not sure if that counts as a modification since it doesnt really increase speed?

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InSane

Post subject: Re: Couple of Q's

Posted: Sat Feb 05, 2011 12:41 am

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when i spoke with my insurance about my mods i told them i was fitting ford wheels and they would be Optional Extra when the car was new they still told me its a mod like stickers, if the exhaust is from say fords , a factor its ok nomal oem parts if its modification one like this then you will have problems (Magnex 3" cat back exhaust) i would just phone them before you do any thing safe bet we can tell you no yes but the insuance company will tell you good luck

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dawnrs

Post subject: Re: Couple of Q's

Posted: Sat Feb 05, 2011 7:34 pm

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Joined: Fri Feb 12, 2010 11:52 pm
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im not really fussed about tell my insurance company about all my mods, and i have a few lol

just told them about what can be seen like the wheels and stainless exhaust, at the end of

day never gonna get the money back i have spent on it lol

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skyinsurance

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 3:21 pm

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booker

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 3:38 pm

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because if u declare your mods the insurance just want to rape u

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Chris

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 3:42 pm

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Percy

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 4:28 pm

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I will say my current insurance wen't up very little for my current mods so won't complain, but it does seem most of the time the mod and premium hike are out of sync.

EG putting different wheels on a car may make it slightly more desirable to to steal, but past that you are no more likely to crash/mame/kill than you were before.

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bensouthport

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 6:37 pm

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true percy. skyinsurance, my policy doesn't allow it. the time being, i am fitting my exhaust which is a magnex insane, not a ford exhaust, since that would make no difference anyway. and that is that lol. i only have a few months left of my policy so i will make my mind up in that time.

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skyinsurance

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 6:56 pm

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skyinsurance

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 6:58 pm

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Joined: Mon Feb 01, 2010 5:59 pm
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Personal and professional advice, I'd rather declare and actually have an insurance policy worth the paper it is written on.

Quite often modified car insurance is cheaper than standard car insurance.

Ollie
Sky Insurance

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bensouthport

Post subject: Re: Couple of Q's

Posted: Mon Feb 07, 2011 7:10 pm

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yeah that's what ill be going for ta ollie.
exhaust needs to be fitted and its a risk im willing to take. other stuff can wait until im finished with this policy. need the money anyway lol.

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EvilDes

Post subject: Re: Couple of Q's

Posted: Tue Feb 08, 2011 9:41 am

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All my mods on my Pulsar are declared, and the price didn't go up at all

Quite surprising really :lol:

But a few years back, I phoned up my insurance for the Fiesta and asked how much for the RS skirts and arches if they were put on. Â£400 was the answer. Four hundred pound for those skirts and arches!

Needless to say I never put them on :hsugh:

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The Loumiester

Post subject: Re: Couple of Q's

Posted: Tue Feb 08, 2011 11:43 am

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jonosi

Post subject: Re: Couple of Q's

Posted: Tue Feb 08, 2011 1:56 pm

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Joined: Tue Mar 08, 2005 2:45 pm
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Location: South East Kent
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if you declare the mods and are insured legally you do know in the back of your mind you are not hiding anything and to be honest if you dont declare them then are you not technically insured? sounds like its a risk not worth taking to me even to save a few pennies

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