what does a an insurer class a modifications
2006-10-25 04:12:49 · 14 answers · asked by alli n 1 in Cars & Transportation ➔ Insurance & Registration
An insurer will class anything that is not standard on the car as a modification, saying this from past experience, i would only ever insure my CD player and any Subs and Amps i had along with me body kit the rest i would just leave as it would end up costing you a lot of money for something that doesn't cost tht much. Hope this helps.
2006-10-25 04:16:30 · answer #1 · answered by Simon T 1 · 0⤊ 0⤋
A modification is any change made to the car since it left the factory.
This includes such things as afterfit alarms & immobilisers (which may reduce your premium), tracking devices, spoilers / bodykits, alloy wheels, added performance parts or chipping, upgraded stereo, changed lamps, additional chrome trim.
These may increase your premium if they make the car more desireable to thieves, or the insurer may just charge the same, but refuse to cover the modifications, and if the car is in an accident they will only pay for repairs to the original factory specification.
Also be careful about factory-fitted options.
These can also have an effect (especially alloy wheels), or again the insurer may ignore the option and only promise to repair the car to standard specification.
When shopping around for insurance, I found some insurers that would not include my factory-fitted xenon headlamps in their cover, and after an accident would fit standard halogen headlamps. I stayed with an insurer who would include them in their cover.
2006-10-25 12:11:54 · answer #2 · answered by Neil 7 · 0⤊ 0⤋
In one well publicised case about a year ago, a vinyl pinstripe applied along the sides of a car were regarded by one very harsh insurance compnay as an undeclared modification, and they refused to pay-out.
To their credit,the insurance ombudsmen told this particular company to stop being wankers and get the cheque book out.
2006-10-25 14:01:41 · answer #3 · answered by Phish 5 · 0⤊ 0⤋
All those things you do that lead to claims for the insurance. You lower it, and put on the ground effects, Wow, really looks cool. Now you break down, and the tow truck can't get under all your add ons, so you have to have a modified roll back come get your car at premium prices, which you pass on to the insurance, that type of thing. Or you make the windows limo tint, and can't see out, and run into things a lot, more claims...
2006-10-25 12:29:02 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
anthing that enhances the looks or value of a car any changes to general fitments structures mechanics of the car that did not come as standard from the manufacturer in short the insurers willlook for anything out of the normal that way they can decline a claim.
2006-10-28 10:26:04 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Accident damage is not a modification - its customising.
2006-10-25 14:28:02 · answer #6 · answered by lulu 6 · 0⤊ 0⤋
Anything added that is not standard to the car
2006-10-25 11:15:24 · answer #7 · answered by Sir Sidney Snot 6 · 0⤊ 0⤋
chaging things, like adding flame throwers and stuff. being able to lay down an oil slick. you are the man when your car does that.
2006-10-25 11:20:40 · answer #8 · answered by andre 1 · 0⤊ 0⤋
Any componants that have been either added or replacements that are non OEM.
this can include an air filer etc...
2006-10-25 11:50:56 · answer #9 · answered by skyrine_gtr 2 · 0⤊ 0⤋
if your cars been modified at all, have you added any fancy bits to it, spoilers, alloys, have you altered the overall appearance or performance of the car.
2006-10-25 11:17:04 · answer #10 · answered by Miss Tickle 4 · 0⤊ 0⤋