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      04-26-2010, 11:38 AM   #1
bakili
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another insurance worried member

hey guys
i decided to declare my mods to my insurance company today (NFU Mutual)
Mods are privacy glass and 18" wheels.
they could not tell me if they will cover mods straight away, they will get back to me on Wednesday-now i am worried, what if they will refuse to cover mods. What to do if they will refuse to cover
i got really good deal with my insurance, and i don't want to cancel it because of few simple mods.
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      04-26-2010, 11:54 AM   #2
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Really should have been up front in the first instance. What made you want to declare suddenly?
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      04-26-2010, 12:04 PM   #3
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I don't know- just been browsing on net, and read about few horror stories about Insurance. Better be safe than SORRY
I told them that i did not realise that all them bits are extra, and i bought car like this.
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      04-26-2010, 12:06 PM   #4
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Hmm, I would change insurer. Even if they do come back and say yes, they may still try throw out a claim if there unhappy on one tiny detail.

How far are you through the policy?
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      04-26-2010, 12:10 PM   #5
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To be honest those mods are pretty low key and should not alter your policy at all. If they moan tell them to do one and go find another insurer.
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      04-26-2010, 12:10 PM   #6
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Hi

Don't worry about things at this point - wait and see what they say. You are assuming that any news will be bad
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      04-26-2010, 12:21 PM   #7
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I got policy in December renewed for 02 plate Passat, in January i got my e90 and switched policy to BMW, only cost me 5 extra a month.
At the time when i switched insurance to BMW i had no mods on my BMW.

This is a best insurance i ever had, lets hope they will be reasonable and will cover mods even if i have to pay extra
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      04-26-2010, 12:21 PM   #8
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my neighbours son has just passed his test and they brought him a new 1.4golf in white, hes going with tesco, paid for it, then he phoned up to ask them about tints they wanted 500 extra
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      04-26-2010, 12:35 PM   #9
bakili
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Quote:
Originally Posted by jjbirch View Post
my neighbours son has just passed his test and they brought him a new 1.4golf in white, hes going with tesco, paid for it, then he phoned up to ask them about tints they wanted 500 extra
that not very good news
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      04-26-2010, 01:47 PM   #10
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maybe run some other insurance quotes with the mods included with confused/moneysupermarket. there cant be that much difference to your insurance with a couple of minor things like that..?
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      04-26-2010, 01:50 PM   #11
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i just been reading trough my policy
and cant find anything saying that Modification not insured
Says on policy:
What insured:
Audio or visual equipment fitted to the car for entertainment, communication or navigational purposes is insured in the same way as the car. However, the maximum amount payable for equipment not fitted as part of the manufacturers standard equipment specification for the car is 500

What is not insured:
You must pay the first 250 for damage to the car by accident or theft where it is a vehicle not built to UK specification.
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      04-26-2010, 01:59 PM   #12
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They'll insure you no problem.

What they'll be making you hang on for is so they can add up how much extra they are going to charge you as they will almost certainly want to back date any extra cash they charge from the start of the policy as you told them the mods were on the car when you bought it.

It'll be taking them time to add it all up and then they may want to throw in an extra admin charge as you may need a new policy sending out too.
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      04-26-2010, 02:01 PM   #13
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Be careful when picking the soap up off the shower floor.
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      04-26-2010, 02:37 PM   #14
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Quote:
Originally Posted by willhollin View Post
Be careful when picking the soap up off the shower floor.
+1
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      04-26-2010, 05:09 PM   #15
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Quote:
Originally Posted by willhollin View Post
Be careful when picking the soap up off the shower floor.
Indeed...........and don't wear shoes with laces.

O/P: That 'what is insured' and 'what is not insured' is standard rhetoric, there will be additional small print somewhere. Who underwrites their insurance?
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      04-26-2010, 05:44 PM   #16
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I've just bought a 320 M Sport through a BMW dealership, it's got the 'M light-alloy wheels double spoke 225 M'

Do I have to tell the insurance company it has these?
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      04-27-2010, 01:45 AM   #17
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Dipsd - yes i believe all modifications from the standard factory spec of your car inclucing optional extras such as bigger alloys should be declared to the insurance company in case there is any dispute later.

my car is completely standard but for my wifes car we even disclosed some plastic trim that we added to the interior. yeah ok probably overkill but it made negligible difference to the online quote anyway. i think there are categories for modifications i.e. power upgrades, wheels, bodywork. i dont think options such as adding autp lights make any difference but upgrading to 18" wheels do as it did add some extra onto the premium.
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      04-27-2010, 02:54 AM   #18
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Quote:
Originally Posted by Dipsd View Post
I've just bought a 320 M Sport through a BMW dealership, it's got the 'M light-alloy wheels double spoke 225 M'

Do I have to tell the insurance company it has these?
It's a moot point - I didn't. As far as I'm concerned it's a factory fit option and therefore not a "modification" - there is a subtle difference. If you declare official options, where do you draw the line? Do you tell them you have floor mats? Bluetooth? Folding seats?

It's nonsense. If you buy some Carlos Fandango after-market alloys, a boyakasha stereo, dark tints and a remap that's entirely different.

As far as I'm concerned my car is as it left BMW's factory and there are no "modifications".
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      04-27-2010, 03:15 AM   #19
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Quote:
Originally Posted by xenon View Post
It's a moot point - I didn't. As far as I'm concerned it's a factory fit option and therefore not a "modification" - there is a subtle difference. If you declare official options, where do you draw the line? Do you tell them you have floor mats? Bluetooth? Folding seats?

It's nonsense. If you buy some Carlos Fandango after-market alloys, a boyakasha stereo, dark tints and a remap that's entirely different.

As far as I'm concerned my car is as it left BMW's factory and there are no "modifications".
Here here... I dread to think how much they'd add to my premium for my factory fitted sliding armrest!
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      04-27-2010, 06:33 AM   #20
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Quote:
Originally Posted by bakili View Post
hey guys
i decided to declare my mods to my insurance company today (NFU Mutual)
Mods are privacy glass and 18" wheels.
Do you mean after market tint film or factory privacy glass option?

What wheels are they? are they BMW wheels available on your model anyway?
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      04-27-2010, 06:42 AM   #21
bakili
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Quote:
Originally Posted by doughboy View Post
Do you mean after market tint film or factory privacy glass option?

What wheels are they? are they BMW wheels available on your model anyway?
\Yes all aftermarket
Tints are on rear windows, and not completely black (looks like OEM)
Wheels are 18" M3 Reps
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      04-27-2010, 06:51 AM   #22
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I don't think they'll refuse to cover for those mods unless you are already a very high risk, it's just how much they'll rip you off for it.

If they refuse to cover you and you have to leave mid policy then you'll not get any no claims, you'll lose a lot of money as you won't get back pro-rata on your premium and you may be classed as 'refused insurance' when you go elsewhere.

Fingers crossed.
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