The Shaunster Posted June 12, 2003 Share Posted June 12, 2003 If i was to buy a new exhaust and some 17" alloys, how much do ya fink my insurance would go up? If i did'nt tell the insurance people that i had put some alloys and new exhaust on my car what would happen. Would they just not replace the wheels and exhaust if i was in a crash or would the whole insurance be void ? Link to comment Share on other sites More sharing options...
Matt Escort RS2k Posted June 12, 2003 Share Posted June 12, 2003 Shaunster Look at it this way, next to your tyres and brakes insurance is the most imporant part of owning any car and must be maintained .Insurance companies are out to make profit, they are a business. If you have a accidnet with undisclosed modifitcations then in thier eyes they can find it a very easy way to void your insurance and not pay out ultimatley making more money for them. This then leaves you with a court apperance, a huge fine for not having insurance and the costs of any mental and pysucal damanges to the other party involved. In other words you are fecked. Don't skimp on insurance, its not worth it in the long run. Link to comment Share on other sites More sharing options...
Matt Escort RS2k Posted June 12, 2003 Share Posted June 12, 2003 Ohh and btw if you were to cause death by dangerous driving and with no insurance you will be looking at 3-5 year ban and a prision sentance! Link to comment Share on other sites More sharing options...
The Shaunster Posted June 12, 2003 Author Share Posted June 12, 2003 will my insurance increase my a lot ? Link to comment Share on other sites More sharing options...
Matt Escort RS2k Posted June 12, 2003 Share Posted June 12, 2003 Depending on who you are with I would say yes, but its worth calling them up though. Link to comment Share on other sites More sharing options...
The Shaunster Posted June 12, 2003 Author Share Posted June 12, 2003 i am 17 so i they prob just laugh then yeah Link to comment Share on other sites More sharing options...
--RoY-- Posted June 12, 2003 Share Posted June 12, 2003 try liverpool victoria. They don't mind. i am 17 and got some 17's and a few other bodymods. They only care about engine mods so by adding 17's it does not put the insurance up but they will not pay out extra if they are nicked Link to comment Share on other sites More sharing options...
The Shaunster Posted June 12, 2003 Author Share Posted June 12, 2003 Nice 1 Link to comment Share on other sites More sharing options...
Rich Posted June 12, 2003 Share Posted June 12, 2003 my insurance company dont care, i dont even have to bother declaring mods to them Link to comment Share on other sites More sharing options...
The Shaunster Posted June 12, 2003 Author Share Posted June 12, 2003 huh, How come Link to comment Share on other sites More sharing options...
Rich Posted June 12, 2003 Share Posted June 12, 2003 cuz they are a good insurance company. Why dont you just ring um up and say im thinking of putting some big wheels on and a 20" exhaust with glowing neon bits, if i were to do that how much wud it affect my premium. that way u will know st8 away whether u can afford to do it Link to comment Share on other sites More sharing options...
Pelles Posted June 12, 2003 Share Posted June 12, 2003 i got all my mods declared on my escort, away back at the year being 17, first year of driving etc! premium was £800 tpft, all my mods declared incl: full custom bodykitwindow tintsair filterperformance exhaustalloy wheelscustom paint jobafter it was declared my premium - £800 tptf am i good, or am i good, it was gonna be affected by the exhaust, but you tell them its only a 2-3bhp increase! they put the premium up if its over 5bhp increase (thats with cis) cis are quality for declaring mods, since there a big stable company, cosmetic mods doesn't bother them, engine mods does. Link to comment Share on other sites More sharing options...
Jordan Posted June 12, 2003 Share Posted June 12, 2003 they can find it a very easy way to void your insurance and not pay out ultimatley making more money for them. This then leaves you with a court apperance, a huge fine for not having insurance and the costs of any mental and pysucal damanges to the other party involved. Anyone actually know of this happening? Dont declare anything you can take off easily IMO. Jordan Link to comment Share on other sites More sharing options...
The Shaunster Posted June 12, 2003 Author Share Posted June 12, 2003 huh Link to comment Share on other sites More sharing options...
RS2300 4x4 Posted June 12, 2003 Share Posted June 12, 2003 Alloys should not put up the premium by much at all.If your car originally came with some sort of alloy wheel, get a price from Ford for a full replacement set of wheels and tyres at their prices Then tell your insurance company that you've fitted some slightly bigger wheels and tyres, but that they cost less to replace than OE equipment and they have NO argument for putting up the premium. I swapped from a RS2000 motor to a Ford Galaxy 2.3 and even informed them I was running RS2000 cams They said that because the vehicle the engine came from was a lower ins. group than the one I took out the premium would remain unchanged Herts Insurance Consultants They deal mainly with TPFT and do some good deals. Mark Link to comment Share on other sites More sharing options...
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