|
|
|
|
|
|
BMW Garage | BMW Meets | Register | Search | Today's Posts | Mark Forums Read |
|
BMW 3-Series (E90 E92) Forum
>
When is a mod a mod?
|
|
09-13-2012, 04:23 AM | #1 |
First Lieutenant
23
Rep 340
Posts |
When is a mod a mod?
When making changes to cars, be it adding a spoiler, changing bulbs, wrapping trim, upgrading wheels etc, what is the trigger point that suggests its a modification worth declaring to an insurance company?
|
09-13-2012, 04:27 AM | #2 | |
Major General
191
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
Quote:
Some insurers even view some factory fitted 'options' as modifications and insist they are declared on your proposal.
__________________
=================================
Never argue with an idiot on the internet. He will drag you down to his level and beat you with experience. |
|
Appreciate
0
|
09-13-2012, 04:39 AM | #3 |
Captain
19
Rep 667
Posts |
Only you can use your judgement to decide that - most cosmetic mods are normally free - i declared my front Aero lip and rear M3 spoiler and it cost nothing, but my exhaust cost about another £70
As for declaring factory options - this is ridiculous and no one i have ever known has ever done this. I'm willing to bet this is one of these "safety in numbers" things as 99.9% of people don't even what factory options are fitted. IMO - forget about this unless specifically asked. Here's what i would declare: Wheels - yes Different tyres - lol no Exterior cosmetic modifications (ie. spoiler, aero bumper etc) - yes, because it often costs nothing more anyway Engine chips/remaps - Yes Exhausts - yes Induction kits - yes Brakes - lol no (unless you are upgrading to 6 pot brembo's or something) Tinting - yes Anything interior (adding heated seats/wrapping trim/different steering wheel/etc) - no |
Appreciate
0
|
09-13-2012, 05:22 AM | #4 |
First Lieutenant
23
Rep 340
Posts |
interesting... i was told by one insurance company that if i went from 18" rims to say 19" rims, but they are specified as OEM option, then will cost nothing. Going to say 19" aftermarket rims would have cost me more.
I think it comes down to who you speak to at the other end of the line...asking the same question again would probably give you a different response |
Appreciate
0
|
09-13-2012, 06:09 AM | #6 |
Major General
191
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
Without a doubt,no one could argue changes to the OEM suspension is anything other than a modification.
__________________
=================================
Never argue with an idiot on the internet. He will drag you down to his level and beat you with experience. |
Appreciate
0
|
09-13-2012, 06:10 AM | #7 |
Major General
342
Rep 6,176
Posts |
What sort of an uplift would one expect upon changing to coilovers / aftermarket suspension?
|
Appreciate
0
|
09-13-2012, 06:14 AM | #8 |
Brigadier General
612
Rep 3,184
Posts
Drives: E92 325i MSport Coupe
Join Date: Apr 2012
Location: UK South East
|
Unless you're switching from runflats to non-runflats, in which case I would deffo notify...
__________________
E92 pre-LCI 325i - Ohlins R&T; H&R spacers; M3 strut brace; Swift thrust sheets; 3 x chassis braces; diff brace; N53 V-brace; 034 subframe inserts; BMS clutch stop; BMS CDV; RE g/box mounts; Delrin shift bushes; Saikoumichi OCC; Cyba scoops; BMW Perf Exhaust; HEL s/steel brake hoses; M3 rear spoiler; Recaro Sportster CSs; M3 white dash LEDs; LED Angels; LED side repeaters; BMW Perf black grille; CSL reps; SSDD carbon diffuser; Monster Wrap black roof/clear front
|
Appreciate
0
|
09-13-2012, 06:15 AM | #9 |
Captain
28
Rep 901
Posts |
That is exactly what happened on my insurance, no cost... however it is recorded on the insurance, and if they are stolen, or damaged they will replace the ones declared.. not just replace/in kind the OEM wheels
__________________
Pre LCI Monaco Blue e90, iDrive, 18" 220M reps, M3 Front Bumper, LCI headlights, Darklines, Eibach Pro Kit [Build Thread]
ICE: DLS R4s, Gladen HG-201BMW-3, Alpine PDX 4.100 |
Appreciate
0
|
09-13-2012, 07:08 AM | #10 | |
Major General
136
Rep 5,050
Posts |
Quote:
The previous car had lightly tinted windows & when I came to renew a number of companies would even insure it wtf!! |
|
Appreciate
0
|
09-13-2012, 07:14 AM | #11 |
Captain
19
Rep 667
Posts |
I wouldn't. Can't remember how many posts i've seen from people saying they've told the insurance company they've switched from runflats and they have responded that it is fine.
|
Appreciate
0
|
09-13-2012, 07:21 AM | #12 |
First Lieutenant
23
Rep 340
Posts |
|
Appreciate
0
|
09-13-2012, 07:21 AM | #13 |
Major General
136
Rep 5,050
Posts |
I would still advise them to be on the safe side, although I'm sure I'm seen a list somewhere of Insurance Companies who are ok with it!?!
|
Appreciate
0
|
09-13-2012, 07:25 AM | #14 |
The Tarmac Terrorist
936
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
You have already done your suspension mods. Have you not spoken to them?
__________________
997.2 GT3
|
Appreciate
0
|
09-13-2012, 07:27 AM | #15 | |
The Tarmac Terrorist
936
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Quote:
It wasn't as prolific as it is now though.
__________________
997.2 GT3
|
|
Appreciate
0
|
09-13-2012, 07:38 AM | #16 |
Captain
19
Rep 667
Posts |
|
Appreciate
0
|
09-13-2012, 07:57 AM | #17 |
Major General
342
Rep 6,176
Posts |
Nope... must do that !
|
Appreciate
0
|
09-13-2012, 08:00 AM | #18 | |
Major General
342
Rep 6,176
Posts |
Quote:
To the OP, it does sound a little bizarre but worth notifying and paying the extra few pounds for peace of mind.. on the other hand, how ridiculous will this sound... You: "Yes I'd like to declare I've now switched from BMW OE softer suspension to BMW OE M sport suspension..." Insurance: "Ok, one moment... that'll be £100 (or whatever) more on top" LOL |
|
Appreciate
0
|
09-13-2012, 01:43 PM | #19 |
Lieutenant Colonel
248
Rep 1,721
Posts |
I went from 17" to 19", declared the mod to Admiral, got charged £32, I was told i would not have to notify if I changed alloys ever again as this additional premium covered it all
|
Appreciate
0
|
09-13-2012, 02:46 PM | #20 |
First Lieutenant
21
Rep 309
Posts
Drives: VW T5 Campervan...
Join Date: Jun 2012
Location: Central Scotland
|
I thought this was a mod?
__________________
It's gone - no longer an e90 330i owner
|
Appreciate
0
|
09-13-2012, 04:02 PM | #21 | |
Major General
1543
Rep 8,972
Posts |
Quote:
Fitting non rfts is no different to using mobil oil instead of 'reccomended' castrol, would you declare that? |
|
Appreciate
0
|
09-13-2012, 04:59 PM | #22 |
First Lieutenant
24
Rep 329
Posts |
Last months mods have added £800 to my insurance and I've really had to shop around to get that. Bodykit, exhaust, brakes, suspension & alloys. I tried to add a few i plan to make (to save on more admin fees if i change the policy later) but It seems going over 6 mods makes me uninsurable with most companies.
I didn't notify of vinyl wrapping though, has anybody done that? I think It's a bit ridiculous that my 325 is now more expensive to insure than an e92 m3... |
Appreciate
0
|
Bookmarks |
Thread Tools | Search this Thread |
|
|