Mods & Insurance

KadeSdad · 09-23-2009, 02:47 AM

Hi All

Anyone had any major issues with mods & insurance? I know it's always best to inform your insurers? At the moment I am with Admiral but my renewal is up shortly.

I might shop around for a better deal, if anyone can recommend a mod friendly insurer (if such a place exists) or the ones to steer clear from (morethan etc)

M3 E90 Mods are:

Remus Race Exhaust
Matte Black front & side grills
Blackline rears

Plus I will be adding more over the next few months, diffusers, rims etc.

Thanks

Marc

monkee · 09-23-2009, 06:20 AM

I'm interested in this too. I'm currently with admiral for another 6 months and they don't cater for cars that have been remapped so I need to keep it at stock for the time being.

doughboy · 09-23-2009, 06:29 AM

Direct line told me it was £75 fixed increase for a remap on my 335i, but Sainsbury's wanted £180 and it was BHP specific, i told them it would be a 60bhp increase.

Remember, BMW performance parts (grills, blacklines etc) are not 'modifications' but 'manufacturers accessories', no different to OEM floor mats or a roof rack. There's a big difference between buying approved BMW OEM accessories and third party mods, like exhausts and carbon bits.

In view of this Sainsbury's said ZERO increase for any BMW accessories, even the full suspension kit or exhaust.

gerbil_b · 09-23-2009, 06:39 AM

When i had my old hyundai coupe (highly modified) Nowrich Union gave me the first 6 mods free.....dont know what they are like since they changed to Aviva?!

MO_1 · 09-23-2009, 06:48 AM

Quote:

Originally Posted by doughboy

Direct line told me it was £75 fixed increase for a remap on my 335i, but Sainsbury's wanted £180 and it was BHP specific, i told them it would be a 60bhp increase.

Remember, BMW performance parts (grills, blacklines etc) are not 'modifications' but 'manufacturers accessories', no different to OEM floor mats or a roof rack. There's a big difference between buying approved BMW OEM accessories and third party mods, like exhausts and carbon bits.

In view of this Sainsbury's said ZERO increase for any BMW accessories, even the full suspension kit or exhaust.

Are the carbon bits Diffuser, Spoiler etc not part of the BMW Performance range?

doughboy · 09-23-2009, 06:56 AM

Yes, those parts are available from BMW.

What I'm saying is that in insurance terms theres a big difference between a BMW carbon diffuser (manufacturers accessory) and a carbon diffuser made by jo bloggs (modification)

If they are BMW accessories, make sure you mention them as such, if at all.

dxb335d · 09-23-2009, 07:21 AM

I think they would still want to know about it.

v24mis · 09-23-2009, 10:01 AM

I am with Privilege and they do not seem to really care for mods. so far I have asked them about adding an exhaust system and tints and they couldnt care less.

dxb335d · 09-23-2009, 10:50 AM

Quote:

Originally Posted by v24mis

I am with Privilege and they do not seem to really care for mods. so far I have asked them about adding an exhaust system and tints and they couldnt care less.

Just make sure they send confirmation of your mods in writing though. Easy for them to just "ok" it over the phone.

KadeSdad · 09-23-2009, 11:36 AM

Thanks for the heads up, will try out a few and let you know.

Marc

Hotcoupe · 09-23-2009, 01:00 PM

Marc, I use LV. Very good for mods.

http://www.lv.com/mkt/lv/

KadeSdad · 09-23-2009, 01:16 PM

Quote:

Originally Posted by Hotcoupe

Marc, I use LV. Very good for mods.

http://www.lv.com/mkt/lv/

Thanks matey

, I nearly went with LV first time around as they came pretty near top in a recent survey.

JLR1969 · 09-23-2009, 01:48 PM

I use LV and they are very mod friendly.

I advised that I wanted to add an M3 rear spoiler and they said provided it was supplied and fitted by a BMW main dealer there would be no increase, the re-map cost an extra £60 ish

doughboy · 09-23-2009, 03:20 PM

Quote:

Originally Posted by JLR1969

I use LV and they are very mod friendly.

I advised that I wanted to add an M3 rear spoiler and they said provided it was supplied and fitted by a BMW main dealer there would be no increase, the re-map cost an extra £60 ish

exactomundo.

OEM fitted 'accessories' are not regarded as 'mods'.

Still get it in writing though as carlos says...

KadeSdad · 09-23-2009, 03:27 PM

Quote:

Originally Posted by doughboy

exactomundo.

OEM fitted 'accessories' are not regarded as 'mods'.

Still get it in writing though as carlos says...

Thanks matey, the black lines are OEM, the grilles no.

MO_1 · 09-24-2009, 09:16 AM

Are the 335 style carbon valance (Diffuser) and m3 carbon lip spoiler considered as BMW Performance Accessories?

gIzzE · 09-24-2009, 10:16 AM

Quote:

Originally Posted by KadeSdad

Anyone had any major issues with mods & insurance? I know it's always best to inform your insurers? At the moment I am with Admiral but my renewal is up shortly.

I just got a quote online for Fionas 123d M-Sport as it was coming out at more money than the M3 for some reason, and I put in exhaust and remap and Admiral came out as one of the one willing to insure.
It was £393 including the mods and a £350 excess, that is protected.

Most were £700+.

So maybe they are OK with mods now???

KadeSdad · 09-24-2009, 04:37 PM

Quote:

Originally Posted by gIzzE

I just got a quote online for Fionas 123d M-Sport as it was coming out at more money than the M3 for some reason, and I put in exhaust and remap and Admiral came out as one of the one willing to insure.
It was £393 including the mods and a £350 excess, that is protected.

Most were £700+.

So maybe they are OK with mods now???

That's interesting, thanks for the info

Finnie · 09-24-2009, 05:05 PM

I am with admiral, 335i coupe, front and rear diffusers declared, m3 rear spoiler (declared before I ever fitted but never did) 15 to 25% more power declared (again never fitted the JB3) alloys and suspension all declared. £590 fully comp no claims guaranteed. (8 years)

Have been with them years and always been the best deal for me. Cannot beat them. I now live in the wilds but used to insure an M3 in city centre Glasgow for around the same price

KadeSdad · 09-28-2009, 06:36 AM

Quote:

Originally Posted by Finnie

I am with admiral, 335i coupe, front and rear diffusers declared, m3 rear spoiler (declared before I ever fitted but never did) 15 to 25% more power declared (again never fitted the JB3) alloys and suspension all declared. £590 fully comp no claims guaranteed. (8 years)

Have been with them years and always been the best deal for me. Cannot beat them. I now live in the wilds but used to insure an M3 in city centre Glasgow for around the same price

Hi Finnie

Just got a re quote from Admiral and with my mods (matte black front & side grills both after market, Blackline rears OEM, and a Remus Race exhaust)

All the above for an extra.............£12.24!

Admiral also now offer a separate "modification bolt on" that runs alongside your existing policy, may be of some interest to some?

09-23-2009, 02:47 AM	#1
KadeSdad Colonel 128 Rep 2,070 Posts Drives: E350 CDI Sport Cabriolet Join Date: Mar 2009 Location: UK iTrader: (3)	Mods & Insurance Hi All Anyone had any major issues with mods & insurance? I know it's always best to inform your insurers? At the moment I am with Admiral but my renewal is up shortly. I might shop around for a better deal, if anyone can recommend a mod friendly insurer (if such a place exists) or the ones to steer clear from (morethan etc) M3 E90 Mods are: Remus Race Exhaust Matte Black front & side grills Blackline rears Plus I will be adding more over the next few months, diffusers, rims etc. Thanks Marc
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09-23-2009, 06:20 AM	#2
monkee Enlisted Member 2 Rep 42 Posts Drives: E90 320d SE Join Date: Jun 2009 Location: Glasgow iTrader: (0)	I'm interested in this too. I'm currently with admiral for another 6 months and they don't cater for cars that have been remapped so I need to keep it at stock for the time being.
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09-23-2009, 06:29 AM	#3
doughboy Major General 1545 Rep 8,970 Posts Drives: 2018 M2 Comp 6MT Join Date: Jan 2009 Location: UK iTrader: (2)	Direct line told me it was £75 fixed increase for a remap on my 335i, but Sainsbury's wanted £180 and it was BHP specific, i told them it would be a 60bhp increase. Remember, BMW performance parts (grills, blacklines etc) are not 'modifications' but 'manufacturers accessories', no different to OEM floor mats or a roof rack. There's a big difference between buying approved BMW OEM accessories and third party mods, like exhausts and carbon bits. In view of this Sainsbury's said ZERO increase for any BMW accessories, even the full suspension kit or exhaust.
	Appreciate 0 Quote

09-23-2009, 06:39 AM	#4
gerbil_b First Lieutenant 7 Rep 307 Posts Drives: Skoda Octavia DSG TDi Join Date: Apr 2009 Location: Tong, Isle Of Lewis iTrader: (0) Garage List 2008 318i [0.00] 2006 Hyundai Coupe [0.00]	When i had my old hyundai coupe (highly modified) Nowrich Union gave me the first 6 mods free.....dont know what they are like since they changed to Aviva?!
	Appreciate 0 Quote

09-23-2009, 06:56 AM	#6
doughboy Major General 1545 Rep 8,970 Posts Drives: 2018 M2 Comp 6MT Join Date: Jan 2009 Location: UK iTrader: (2)	Yes, those parts are available from BMW. What I'm saying is that in insurance terms theres a big difference between a BMW carbon diffuser (manufacturers accessory) and a carbon diffuser made by jo bloggs (modification) If they are BMW accessories, make sure you mention them as such, if at all.
	Appreciate 0 Quote

09-23-2009, 07:21 AM	#7
dxb335d The Tarmac Terrorist 949 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	I think they would still want to know about it. __________________ 997.2 GT3
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09-23-2009, 10:01 AM	#8
v24mis Private First Class 10 Rep 153 Posts Drives: 320d M Sport coupe Join Date: Aug 2009 Location: Unitied Kingdom iTrader: (0)	I am with Privilege and they do not seem to really care for mods. so far I have asked them about adding an exhaust system and tints and they couldnt care less.
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09-23-2009, 11:36 AM	#10
KadeSdad Colonel 128 Rep 2,070 Posts Drives: E350 CDI Sport Cabriolet Join Date: Mar 2009 Location: UK iTrader: (3)	Thanks for the heads up, will try out a few and let you know. Marc
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09-23-2009, 01:00 PM	#11
Hotcoupe Major General 192 Rep 6,110 Posts Drives: Don't know yet! Join Date: Jul 2007 Location: UK iTrader: (2) Garage List November 2008 335D ... [8.34] 2007 335D [0.00]	Marc, I use LV. Very good for mods. http://www.lv.com/mkt/lv/ __________________ ================================= Never argue with an idiot on the internet. He will drag you down to his level and beat you with experience.
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09-23-2009, 01:48 PM	#13
JLR1969 Major General 1882 Rep 7,000 Posts Drives: Kubota GR1600 Join Date: Dec 2008 Location: England iTrader: (1)	I use LV and they are very mod friendly. I advised that I wanted to add an M3 rear spoiler and they said provided it was supplied and fitted by a BMW main dealer there would be no increase, the re-map cost an extra £60 ish
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09-24-2009, 09:16 AM	#16
MO_1 Second Lieutenant 14 Rep 213 Posts Drives: BMW 330D M SPORT Join Date: Oct 2008 Location: WALSALL WEST MIDLANDS iTrader: (0) Garage List 2005 E90 330d M SPORT [0.00]	Are the 335 style carbon valance (Diffuser) and m3 carbon lip spoiler considered as BMW Performance Accessories?
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09-24-2009, 05:05 PM	#19
Finnie Might be selling the 335d touring 17 Rep 369 Posts Drives: Disco 4, F31 335d msport+ Join Date: Feb 2008 Location: Scotland iTrader: (1)	I am with admiral, 335i coupe, front and rear diffusers declared, m3 rear spoiler (declared before I ever fitted but never did) 15 to 25% more power declared (again never fitted the JB3) alloys and suspension all declared. £590 fully comp no claims guaranteed. (8 years) Have been with them years and always been the best deal for me. Cannot beat them. I now live in the wilds but used to insure an M3 in city centre Glasgow for around the same price
	Appreciate 0 Quote