Insurance + Declaring mods ? - Page 2 - MINI Cooper Forum
Go Back   MINI Cooper Forum > All Models & Variants > Finance & Insurance


Finance & Insurance Use this forum to discuss financing and insuring your MINI

Mini2.com is the premier Mini Cooper Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Rate Thread
  #16 (permalink)  
Old Jan 15th, 2013, 03:01 PM
MINI2 Newbie
Offline
 
Join Date: Sep 2012
Posts: 14
Local Time: 08:28 PM
England
What if granny buys herself a mini to do her shopping in without realising that the guy who owned it before her has changed the alloys, put on a sports exhaust system and an aero kit. Granny would have no idea until she pranged it and her insurance company told her that the insurance was void. I appreciate that ignorance is no defence - so does that mean that everytime we buy a secondhand car we have to take it to the local dealership to get written proof that the car is unmodified? I have googled this and there are some nightmare stories out there!!!
Reply With Quote
Sponsored Links
Advertisement
 
  #17 (permalink)  
Old Jan 16th, 2013, 05:40 PM
Tigercub's Avatar
MINI2 Regular
Online
 
Join Date: Mar 2009
Location: Staffordshire
Posts: 224
Local Time: 09:28 PM
United Kingdom Male View Tigercub's Midnight Black & Chili Red 2nd Gen MINI John Cooper Works Profile
I had a 2008 Mini cooper S which i got from a mini dealer when it was only 4 months old it was an Ex Demo. The cooper S had been fitted with the JCW Aero body kit . Think you all know which one I am talking about side skirts and front and rear bumper. Only thing was the mini dealer had fitted these after they took delivery of the car from the factory. These parts now become a MOD as they were not fitted at the factory. I informed my insurance as if i did not inform them then my car insurance would have been void in the event of a claim. This then added almost £190.00 per year to my insurance. After about 2 years of paying this insurance I sold the car I can now Insure a Mini JCW for less per year. So beware but always imform the insurance of anything not factory fitted as you might find yourself with no insurance ...
Reply With Quote
  #18 (permalink)  
Old Jan 16th, 2013, 05:44 PM
Tigercub's Avatar
MINI2 Regular
Online
 
Join Date: Mar 2009
Location: Staffordshire
Posts: 224
Local Time: 09:28 PM
United Kingdom Male View Tigercub's Midnight Black & Chili Red 2nd Gen MINI John Cooper Works Profile
Quote: Originally Posted by phil mcglassup (original)
What if granny buys herself a mini to do her shopping in without realising that the guy who owned it before her has changed the alloys, put on a sports exhaust system and an aero kit. Granny would have no idea until she pranged it and her insurance company told her that the insurance was void. I appreciate that ignorance is no defence - so does that mean that everytime we buy a secondhand car we have to take it to the local dealership to get written proof that the car is unmodified? I have googled this and there are some nightmare stories out there!!!

I contacted the Mini dealer and they checked the factory spec for my mini so that i could check what was factory fitted and what was not then i could make sure i was fully insured Although some insurance services look at modifications differently when some say its a mod some say it makes no odds but you need to ask them if they class certain things as a mod or not
Reply With Quote
  #19 (permalink)  
Old Jun 19th, 2014, 09:12 AM
MINI2 Premium Member
MINI2 Master
Offline
 
Join Date: Mar 2012
Posts: 2,956
Local Time: 09:28 PM
United Kingdom Male
Even if you should modify your car styling only, leaving the mechanicals exactly as standard, just fitting something as a set of non standard alloy wheels can make the car attract more attention or notice of some undesirable, hence it becomes more nickable, so the risk of damage or it being stolen increases, hence the premium will probably go up.
Reply With Quote
  #20 (permalink)  
Old Jun 19th, 2014, 10:45 AM
MINI2 Regular
Offline
 
Join Date: Feb 2003
Location: Wokingham, Berkshire
Posts: 106
Local Time: 09:28 PM
United Kingdom
The one thing that nobody has mentioned is that if you don't declare a mod on your car (or engine) then at the very least, that item is not going to be covered by your insurer let alone changes it might make to performance or risk of theft etc.

So if you have expensive aftermarket alloy wheels or upgraded brakes or exhaust no insurer is going to pay out for their repair or replacement if you haven't declared them at the outset and paid any extra premium.

Spike
Reply With Quote
  #21 (permalink)  
Old Jun 19th, 2014, 05:46 PM
MINI2 Premium Member
MINI2 Master
Offline
 
Join Date: Mar 2012
Posts: 2,956
Local Time: 09:28 PM
United Kingdom Male
Quote: Originally Posted by ihughes (original)
The one thing that nobody has mentioned is that if you don't declare a mod on your car (or engine) then at the very least, that item is not going to be covered by your insurer let alone changes it might make to performance or risk of theft etc.

So if you have expensive aftermarket alloy wheels or upgraded brakes or exhaust no insurer is going to pay out for their repair or replacement if you haven't declared them at the outset and paid any extra premium.

Correct.
Reply With Quote
  #22 (permalink)  
Old Jun 28th, 2014, 11:31 AM
MINI2 Senior
Offline
 
Join Date: Apr 2012
Location: Suffolk - UK
Posts: 448
Local Time: 09:28 PM
United Kingdom Male
Quote: Originally Posted by ronpagg (original)
You are absolutely right that every person are choose various condition and there can't fill need properly. So they are suffering from frustration. They can remove this situation if there accept proper insurance policy.


Ronpagg - what on earth are you on about!!!!!! So much gibberish on so many posts.
Reply With Quote
Sponsored Links
Advertisement
 
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

» Recent Threads
Mini Cooper S 2007 Disaster
Today 06:57 PM
Last post by mab01uk
Today 07:54 PM
1 Replies, 29 Views
Which Cooper, and which suspension (stock/koni Ö ), for ride quality? (forum c2)
Aug 16th, 2014 01:44 PM
by rs10
Last post by rs10
Today 07:45 PM
17 Replies, 592 Views
Vibration from steering wheel and braking
Today 04:02 PM
by MiniBoi
Last post by MiniBoi
Today 04:02 PM
0 Replies, 68 Views
New Five-Door MINI Hatchback revealed
Jun 5th, 2014 05:32 PM
by mab01uk
Last post by The Nun
Today 03:26 PM
5 Replies, 1,168 Views
I live near London ON
Yesterday 02:44 PM
by BladeZX
Last post by The Nun
Today 03:23 PM
2 Replies, 172 Views
My new mini!
Yesterday 11:30 PM
Last post by The Nun
Today 02:55 PM
1 Replies, 176 Views
Powdercoated my JCW R105's - No more black... Wheels
Aug 8th, 2014 10:16 PM
Last post by ilovecables
Today 02:43 PM
13 Replies, 1,237 Views
Speedometer button?
Yesterday 11:59 PM
Last post by The Nun
Today 02:35 PM
4 Replies, 223 Views
Brakes Binding
Today 11:41 AM
by grahamj
Last post by David T-H
Today 02:11 PM
1 Replies, 101 Views
Central Locking Fault
Today 11:15 AM
by Hollow
Last post by Hollow
Today 11:15 AM
0 Replies, 114 Views
Mini One ECU Remap
Jul 17th, 2014 10:41 PM
by dagsky
Last post by dglumac
Today 10:58 AM
2 Replies, 580 Views
Convertible - how to clean the soft top?
Aug 17th, 2014 03:26 PM
Last post by MINIlover91
Today 08:42 AM
4 Replies, 320 Views
R56 - Airbag & seat belt warning light
Apr 19th, 2007 08:32 PM
Last post by nealwm
Today 08:32 AM
12 Replies, 12,509 Views
Unlocking 2009 convertible boot problems
Dec 1st, 2012 03:29 PM
by Aysh
Last post by nealwm
Today 08:03 AM
10 Replies, 2,162 Views
Help! Need 2003 Mini Cooper ECU Family Name
Yesterday 01:42 AM
Last post by Colin RedGriff
Today 07:54 AM
3 Replies, 302 Views
Should I keep the run flats - recommendations?
Yesterday 06:31 PM
Last post by nealwm
Today 07:41 AM
2 Replies, 229 Views
R53 Overheating - Garag can't find fault
Yesterday 12:13 PM
Last post by heathwebbo
Today 07:02 AM
2 Replies, 211 Views
It's Here....
Mar 31st, 2014 12:19 PM
Last post by MandyLSanchez
Today 06:34 AM
8 Replies, 2,039 Views
Locking Itself
Aug 2nd, 2014 04:59 PM
by Sejanus
Last post by Sejanus
Today 05:21 AM
9 Replies, 821 Views
Found R50 flywheels at unbelievable pricing! $45 shipped
Today 03:44 AM
Last post by Savagenoma
Today 03:44 AM
0 Replies, 158 Views
» Premium
» Auto Insurance
Ľ Wheel & Tire Center

Powered by vBadvanced CMPS v3.2.1

All times are GMT. The time now is 08:28 PM.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.2