What constitutes a Mod in Insurance eys?

[kwack]

Anything where you do not use OEM parts and makes it more attractive to thieves apparently according to my Insurance Co.

That includes air filters, brake pads, ARBs???

Does this sound a bit daft or am I missing something.

[Golfather]

Anything which is not factory fitted.

[Shoppinit]

If they refuse a claim based on the fact that you use Fram airfilters instead of Bosch then they would probably lose if you took them to court.

If you use an air filter that is supposed to enhance performance, then they could argue that you have violated the T&C by changing the characteristics of the vehicle and hence the risk, and you would probably be in the poo.

It gets silly though, because they could argue that by putting on vreds, to pick an example completely at random , then you were increasing the risk of flying off the road and generating a claim

[Daveperc]

Anything which materially changes the risk profile for the vehicle.

So obviously any performance enhancing change (tuning, engine/drivetrain mods, enhanced brakes, suspension changes etc) and also any items such as better ICE etc as this will make the car attractive to theives.

Changing the make of tyres (providing they are to the required spec) would not alter the risk.

My adice is always "If you change something, then tell them" - that way they can't argue later

Dave

[kwack]

Seems logical just seems a bit tight being quoted an extra 100 to cover arbs when the guy didn't even know what they were?

[Daveperc]

Try a different broker/company - I had ARB's last year and no change to premium.

Dave

[Coxall8395]

My ARB's cost me £28.30 in increased premium.

Best £30 I ever spent !!!!

[rossi46]

Some of the conversations I had with brokers trying to insure mine was laughable ( almost! ). Even the specialists have little clue with the apparent 'tailored service/policies' they're selling. I don't think any of us would complain about paying for a decent product and service, but unfortunately this is hardly ever the case ....

[bam_bam]

Some of the conversations I had with brokers trying to insure mine was laughable ( almost! ). Even the specialists have little clue with the apparent 'tailored service/policies' they're selling. I don't think any of us would complain about paying for a decent product and service, but unfortunately this is hardly ever the case ....

You're making far too much sense for a n00b, stop it, I don't trust you. Now either start something inflammatory within the next 3 posts or there will be blood.

[kwack]

Just taken out my policy but am going to phone around to see if I can get a competitive quote with the ARB on and cancel this one

Cheers

Kwack

[iaingbrown]

I 'fessed up to Miltek, gearbox remap, coilovers and antirollbars. Insured with Elephant. Didn't push up premium much. They wrote and said the underwriters asked what the antirollbars were for. Not really having much of a clue I said they were to reduce roll. This seemed sufficient and heard no more......

[Ian_C]

Daft isn't it. In the UK, insurance companies won't use their common sense and start charging for things that make no difference to the risk - or theoretically even reduce risk! Upgraded brakes are an example. Winter tyres are another - fact that in some countries in Europe winter tyres are a legal requirement you are not insured if you crash in winter without them!

Ian

[Daveperc]

Hi Ian

Nice try re the brakes, but I'm afraid Insurance co's aren't that naive!!

Logic goes- brakes fitted by manufacturer are adequate for normal driving. Therefore if someone needs bigger brakes they must be braking harder, from higher speed, than normal = higher risk!

Similar logic applies to almost any performance mod (eg ARB's).

Logic on cosmetic mods is similar, but relates to the type of driver who is likely to pimp their ride....

Dave