it's probably better safe than sorry to tell the insurance company about chrome bits, but I don't know how much extra they'd charge, if at all. At least if you tell them you've covered your arse...taffster said:
Dom
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a mod is any thing you change/replace on you car
the way it comes from the factory is standard change anything and that is classed as a mod
any factory fitted option on you car e.g chili pack doesn't mean that your car is modded as that is the way you brought the car
if you change the alloys even if there the same size that is classed as a mod becouse thats not the way the car came out of the factory
the way it comes from the factory is standard change anything and that is classed as a mod
any factory fitted option on you car e.g chili pack doesn't mean that your car is modded as that is the way you brought the car
if you change the alloys even if there the same size that is classed as a mod becouse thats not the way the car came out of the factory
Whether an Insurance Company will classify an item as a mod depends on the Insurance Company and what side of bed the Underwriter got out of. It's a mystery like MINI deliveries to the US and availbility of options.Silver Surfer said:any factory fitted option on you car e.g chili pack doesn't mean that your car is modded as that is the way you brought the car
For example: Direct Line classify the Chili Pack as a mod and load the premium 10% over the standard Cooper.
Anything you add is technically a mod - from the www.mini2.com sticker to the full race exhaust to the Works Conversion.
Generally speaking, most insurance companies only load if the car is in a high-risk area, if the driver is young (in insurance speak you ain't old 'til yer 35) or if the power is increase by 10% or 10bhp. Many people cannot fathom why their premiums are high and think premiums are unfair. Insurance Companies often have hot spots of low-risk areas that have a high claim record for the same population/occupation. Too much emphasis is put on location by Policyholders. A car that is stolen may mean a pay-out by the insurance company of £15k. In a low-risk area this means a infrequent occurence. A car driven by white-collar clerk causes a six car pile-up - payout £15k per car and £25k per driver in compensation. Accidents are the main reason for high premiums and in low-risk areas thefts aren't!
Diet "Insurance" Coke
Any thing that alters the looks & performance of a car is classed as a mod However if these mods were factory fitted LLoyds of London do not see these as a mod because they are not an after market mod Your insurance company need to be made aware of alloys, spoilers, filters. exhausts etc etc
You be able to get away with stickers & air freshners
However if these mods were factory fitted LLoyds of London do not see these as a mod because they are not an after market mod Your insurance company need to be made aware of alloys, spoilers, filters. exhausts etc etc You be able to get away with stickers & air freshners
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