declaring mods

[nathan123487]

what is classed as mods?

 

i have declared lexus lights ( not on the car no more tho)

alloy wheels

 

i have clear side repeaters < does this need declaring

gti half leather interior

white dials

ghia clock

ghia chrome grill and number plate surround

gti steering wheel

half smoked lights

and soon to have sideskirts escort spoiler and spats and colour coded bumpers

 

^ all the above are escort parts so doies this need declaring asd they ent going to know ive put them on there

any point in declaring side repeaters?

[stoo2000]

I would think a 'mod' would be anything that has been altered or added since the car left the dealership.

[lightning1988]

id only declare the wheels

[nathan123487]

I would think a 'mod' would be anything that has been altered or added since the car left the dealership.

 

even like adding a cd player etc my driving instructor told me i dont have to tell them about this

[nathan123487]

id only declare the wheels

 

lights r off now so only wheels declared

[Stu]

You don't need to declare interior modifications, unless you want them insured. You should check this with someone qualified though, eg your insurance company as it's them you'll be claiming from in the event of an accident or theft. "Someone on the internet said" does not make you win your claim automatically.

 

Any exterior or performance modifications have to be declared.

[nathan123487]

You don't need to declare interior modifications, unless you want them insured. You should check this with someone qualified though, eg your insurance company as it's them you'll be claiming from in the event of an accident or theft. "Someone on the internet said" does not make you win your claim automatically.

 

Any exterior or performance modifications have to be declared.

 

i wont claim on the interior and i doubt theyd notice the exterior as its escort parts

[SteveB]

When my son was with Quinn cosmetic mods were OK, but they wouldn't take engine or suspension mods. Every company is different, so you need to ask.

[Matt86]

Id say the wheels and then the skirts when you put them on... but do as Stu said and check with the insurers....we arnt insurance experts

[nathan123487]

Id say the wheels and then the skirts when you put them on... but do as Stu said and check with the insurers....we arnt insurance experts

 

..i never sed you was

[Gonzo0]

I would declare every single mod on the car (even the smallest of mods)

 

Insurers will do anything to get out of paying out

[mar_k]

You don't need to declare interior modifications, unless you want them insured. You should check this with someone qualified though, eg your insurance company as it's them you'll be claiming from in the event of an accident or theft. "Someone on the internet said" does not make you win your claim automatically.

 

Any exterior or performance modifications have to be declared.

 

i wont claim on the interior and i doubt theyd notice the exterior as its escort parts

 

 

 

i would declare the interior as it may make the car more desirable to nick as the non standard interior may be worth something,

 

insurance companies will find any reason not to payout. its best to be safe and declare everything to remain covered.

 

my brother had a smash which he tried claiming for and they refused as he didnt mention the tinted windows,

the insurance company said they had insured him on a standard mondeo not a modified mondeo.

 

really is best to ask your insurance mate as they will tell you exactly what they consider to be modified.

[rachyxx]

evrything is declared on mine so when the doors fall off adrian flux will be paying for them to be replaced

[nathan123487]

evrything is declared on mine so when the doors fall off adrian flux will be paying for them to be replaced

 

by the looks of it its worth insuring everything mines a heap of rubbish if it get nicked it get nicked i cant claim i cant even afford the excess insurance is a scam nuffin more nuffin less

[PeeWee]

evrything is declared on mine so when the doors fall off adrian flux will be paying for them to be replaced

 

by the looks of it its worth insuring everything mines a heap of rubbish if it get nicked it get nicked i cant claim i cant even afford the excess insurance is a scam nuffin more nuffin less

 

 

You need to disclose all your mods to keep your insurance intact, if you get pulled or crash your insurance can be deemed invalid if you havnt declared. Its also not all about you claiming for yourself, it covers you hitting a car such as a porsche which your unlikely to be able to cover the cost yourself. Insrance as a scam well its pushed high due to scams, false claims, wreckless drivers, people leaving accident scenes. It covers you for alsorts of possibilitys you could never dream of paying yourself in the event of a crash.