Mods and Insurance

[Jimmy Ten Toes]

I recently had my Hiper Muffler fitted but have not told my insurance company (Direct Line), I am not sure whether to tell them or not.

What have other people done who have had new exhausts, and how much more do they normally add on for modified exhausts?

:?:

[lewispv]

Interesting post for me.

As a newbie here, would be interested to know what work they consider they need to know about.

Do horns count, how about painted calipers? Where do they draw the line?

I know they want more premium, but there must be some things they do not want to know about.

:?:

[javadude]

I'm just getting insurance quotes at the moment. They don't seem bothered with my painted calipers or replacement fog lights. But I tell them and let them make the judgement - that way I'm safe if I need to make a claim. I don't want to right my car off only for them to say - sorry we're not paying out because you've changed the whatever and didn't tell us.

[lexussport]

I have told my insurance company about all my mods, Lowered suspension, bigger wheels, Body kit etc etc.

What happened?

After each mod they sent me a new insurance certificate and the cost nothing.:cool:

[JOHNNY-BOY]

Originally posted by lexussport

I have told my insurance company about all my mods, Lowered suspension, bigger wheels, Body kit etc etc.

What happened?

After each mod they sent me a new insurance certificate and the cost nothing.:cool:

No need to rub it in Dave. I don't think my insurance will be quite as nice as that

[jenners]

Best to tell them everything - that way you are covered. I'm with Direct Line as well - I'm even gonna tell 'em about the Team Lexus stickers in the window:smilegrin: (since these increase the value of the car don't they ? )

[dark_is200]

The addition of the Dragger, Hiper Dampers and Cusco struts was another GBP 40 on the years insurance (very reasonable - much better than I thought).

[Jimmy Ten Toes]

Originally posted by dark_is200

The addition of the Dragger, Hiper Dampers and Cusco struts was another GBP 40 on the years insurance (very reasonable - much better than I thought).

£170 extra a year they just told me at Direct Line!! I've only been driving 2 years but that seems a hell of a lot.

They work out performance mods by % bhp increase and this is for 0-10 % 11-20 % is nearly double!:o:o

[peter-flint]

I would have thought struts and braces would enhance safety, they certainly don`t add Bhp. Expensive alloys and tyres I would agree the company would like to know about, perhaps they think you`re made of money :lol:

[vic]

Ive asked my insurance company too, which incidently is the privilage. They also go on hp increase, for the exhaust it was bugger all about £20 more & about £50 more for the springs & anti roll bars. I think the way they look at it is that you are going to drive faster with these mods on, which isnt really far from the truth!! I know I have!!!:lol: