I had a lengthy discussion with my current insurer (Esure) the other day about this. After explaining the situation to them they agreed that they wouldn't class the chili pack as a mod, but needed to know what options were on the car for their records so that if anything happened they know what the replacement spec is. They were pretty good about it once I got past the sales people on the end of the phone and asked to speak to an underwriter about it. Quote came back with an annual premium of £370.
My advice - ask to speak to an underwriter - they're the ones who can make the decisions! |