Definition of a mod (in the eyes of the insurance co)
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- 3rd Gear
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Definition of a mod (in the eyes of the insurance co)
Hi folks. Just read the thread about mapping and insurance and it got me wondering. My C7 RS6 PE is standard but I did recently put on another set of wheels with winter tyres. They are OEM Audi wheels but 20s rather than the 21s the car came with. And I fitted spacers. This wouldn't be classified as a mod would it? As long as it's not affecting performance I would have thought not.
When I was insuring the car I wanted to make sure all the factory fitted options were listed and the company told me they don't care about that as long as they are factory fitted and don't affect the performance.
When I was insuring the car I wanted to make sure all the factory fitted options were listed and the company told me they don't care about that as long as they are factory fitted and don't affect the performance.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
Re: Definition of a mod (in the eyes of the insurance co)
Doubt they would worry about the wheels but the spacers aren’t factory fitted.
Cheers
Cheers
Re: Definition of a mod (in the eyes of the insurance co)
They would categorise that as a mod. If it didn't leave the factory like that then it's a mod. Arguably, you could tell them they were the factory wheels and they might not know any better.
Re: Definition of a mod (in the eyes of the insurance co)
My insurers want to know that I have winter wheels and tyres and it's noted on the policy as a modification, but leave it up to me when I swap them and they don't need telling.
No charge for that by the way.
I do actually use OEM wheels but they didn't ask for any details. It's obviously implied that I have a spare set and so have to store them, again details not required.
Spacers I'm sure they would want to know about and may even have concerns.
No charge for that by the way.
I do actually use OEM wheels but they didn't ask for any details. It's obviously implied that I have a spare set and so have to store them, again details not required.
Spacers I'm sure they would want to know about and may even have concerns.
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- 3rd Gear
- Posts: 303
- Joined: Wed Nov 14, 2018 10:20 am
Re: Definition of a mod (in the eyes of the insurance co)
Cheers folks. Glad I asked. Better give them a call on Monday.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
Re: Definition of a mod (in the eyes of the insurance co)
They care about mods for many reasons above performance; e.g. increased risk of breakdown, damage or theft, additional costs of repairs, etc.
Re: Definition of a mod (in the eyes of the insurance co)
They care about anything they can charge you more for...or use as an excuse to get out of paying a claim. I’m not being arsy...but remember they’re just a business looking to make a profit and minimise risk.
Re: Definition of a mod (in the eyes of the insurance co)
You probably won't pay any extra.
RS4 B7, Mugello Blue, K&W V3 & HR ARBs, set up by Centre Gravity, Milltek Valved Non Res & cat bypass pipes, BMC air filter, braided hoses, DOT 5.1, Terraclean, MRC Full Carbon Clean, MRC remap 448PS 477NM, 20" S7 alloys with 4mm spacers & Hawke spigots 66.6 > 57.1, AP Racing front discs. Sold Sept 2019. Now rocking an F80 M3
Re: Definition of a mod (in the eyes of the insurance co)
I've got a C5 RS6 with C6 RS6 wheels, they saw this as a mod (OEM+). Don't matter, it's a mod. Even the CS Sportster seats and TTS flat-bottom steering wheel are listed mods.
No matter where you go, there you are.
Re: Definition of a mod (in the eyes of the insurance co)
Your policy is normally very clear in this. Any changes after it left the factory is a mod.
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- 3rd Gear
- Posts: 303
- Joined: Wed Nov 14, 2018 10:20 am
Re: Definition of a mod (in the eyes of the insurance co)
Probably is Mike, but that involves reading the policy.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)
Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)
Re: Definition of a mod (in the eyes of the insurance co)
Not always.
One big-name insurer I used also put down a couple of factory-fit options as modifications.
Bearing in mind that these were ABS, heated windscreen and air conditioning that was a bit weird!
Non were standard at the time of manufacture, nor indeed that common on the particular model, though they would be now.
Re: Definition of a mod (in the eyes of the insurance co)
RS4 B7, Mugello Blue, K&W V3 & HR ARBs, set up by Centre Gravity, Milltek Valved Non Res & cat bypass pipes, BMC air filter, braided hoses, DOT 5.1, Terraclean, MRC Full Carbon Clean, MRC remap 448PS 477NM, 20" S7 alloys with 4mm spacers & Hawke spigots 66.6 > 57.1, AP Racing front discs. Sold Sept 2019. Now rocking an F80 M3
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