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#1 Anthony30

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Posted 07 July 2017 - 09:07 PM

I'm about to insure my 1989 mini thirty, after being off the road for a couple of years. I seem to be having a lot of trouble getting my head around how to much detail I need to go into when declaring modifications. How do I explain this lot? :/

 

metro 4 pot calipers, vented discs & drive flanges.

goodridge braided brake hoses.

minispares adjustable bottom arms, tie rods & poly bushes.

poly tower bush & minispares alloy top piece.

hilo ride height kit.

protech adjustable shocks.

 

adjustable engine steadies.

minispares alloy rocker cover

12g295 cylinder head.

maniflow exuaust manifold & 1.75'' single box side exit exhaust.

alloy inlet manifold.

k&n filter inside standard housing

electronic points.

2 core radiator

Minispares radiator hoses.

tim voltmeter, oil pressure gauge  and clock.

2 hella comet 500 spotlights 

h4 headlights

 

Probably other bits I can't think of ATM.


Edited by Anthony30, 07 July 2017 - 09:11 PM.


#2 Northernpower

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Posted 07 July 2017 - 09:40 PM

I'm about to insure my 1989 mini thirty, after being off the road for a couple of years. I seem to be having a lot of trouble getting my head around how to much detail I need to go into when declaring modifications. How do I explain this lot? :/
 
metro 4 pot calipers, vented discs & drive flanges.
goodridge braided brake hoses.
minispares adjustable bottom arms, tie rods & poly bushes.
poly tower bush & minispares alloy top piece.
hilo ride height kit.
protech adjustable shocks.
 
adjustable engine steadies.
minispares alloy rocker cover
12g295 cylinder head.
maniflow exuaust manifold & 1.75'' single box side exit exhaust.
alloy inlet manifold.
k&n filter inside standard housing
electronic points.
2 core radiator
Minispares radiator hoses.
tim voltmeter, oil pressure gauge  and clock.
2 hella comet 500 spotlights 
h4 headlights
 
Probably other bits I can't think of ATM.

I'm with HIC and that's how I list them, I don't know who you're using but the team at HIC understand mods listed in that way.

#3 1984mini25

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Posted 07 July 2017 - 10:11 PM

metro 4 pot calipers, vented discs & drive flanges.

goodridge braided brake hoses.

minispares adjustable bottom arms, tie rods & poly bushes.

poly tower bush & minispares alloy top piece.

hilo ride height kit.

protech adjustable shocks.

 

adjustable engine steadies.

minispares alloy rocker cover

12g295 cylinder head.

maniflow exuaust manifold & 1.75'' single box side exit exhaust.

alloy inlet manifold.

k&n filter inside standard housing

electronic points.

2 core radiator

Minispares radiator hoses.

tim voltmeter, oil pressure gauge  and clock.

2 hella comet 500 spotlights 

h4 headlights

 

Probably other bits I can't think of ATM.

 

I personally wouldn't bother with the ones I've striked through.

 

As how far do you really go with declaring anything non standard? Mines got a larger non standard battery fitted, and different battery terminals....



#4 Rapidmini59

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Posted 08 July 2017 - 07:02 AM

They should ask you for mods on these following categories.
Engine modification.
Drivetrain modification.
Chassis modification.
Braking modification.

I have gone with adrian flux for my modified mini and thats the areas they were interested in.
All my mods were declared and no issues.

#5 mini13

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Posted 08 July 2017 - 07:14 AM

Sometimes they ask about interior mods, but really they are interested in if it's got bucket seats and a cage, or a load if custom trimming.

#6 AVV IT

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Posted 08 July 2017 - 11:54 AM

My philosophy is send them a list & list everything, leaving them to choose to ignore what they like. That way they can't try & wriggle out of a claim on the grounds that you didn't declare something minor/cosmetic that you considered to be insignificant. Be aware that in the event of a theft claim, some insurers are quite good at trying to claim that certain seemingly insignificant cosmetic modifications potentially make a car more desirable to a potential thief.

#7 sonikk4

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Posted 08 July 2017 - 12:20 PM

My philosophy is send them a list & list everything, leaving them to choose to ignore what they like. That way they can't try & wriggle out of a claim on the grounds that you didn't declare something minor/cosmetic that you considered to be insignificant. Be aware that in the event of a theft claim, some insurers are quite good at trying to claim that certain seemingly insignificant cosmetic modifications potentially make a car more desirable to a potential thief.

 

+1, Even though at the time all i did to Paddy was convert from drums to Cooper S discs and add Hi Lo's when i fitted new suspension cones. Better to cover all the bases than not to.

 

Believe me you will be playing with fire if you don't and could potentially lose a lot of money in the event of theft or an accident.



#8 Ethel

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Posted 08 July 2017 - 12:31 PM

Seconded (or is it thirded) it's not  just added risk for performance mods, it's specifying what you want covered by the policy. You can rest assured they'll take a much bigger interest if you ever have to claim.



#9 Steve220

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Posted 08 July 2017 - 01:29 PM

Full list of modifications and a few photos. If you're with Adrian flux, they will try and worm their way out of paying up. Worst insurance brokers by far.

#10 Anthony30

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Posted 08 July 2017 - 08:32 PM

Thanks for all of the replies. :highfive: I'll try and get some quotes ASAP. :shades:



#11 Anthony30

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Posted 09 July 2017 - 07:16 PM

Can't get any online quotes due to the number of mods. I'll need to do some ringing around whilst at work. :( My preferred insurer is Aviva. I've been insured with them for the mini, 5 years ago, and the mk3 astra. When I mentioned putting a  x20xev in the astra they had a hissy fit, so don't think they will want to insure the mini now either. 



#12 Northernpower

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Posted 09 July 2017 - 10:12 PM

Can't get any online quotes due to the number of mods. I'll need to do some ringing around whilst at work. :( My preferred insurer is Aviva. I've been insured with them for the mini, 5 years ago, and the mk3 astra. When I mentioned putting a  x20xev in the astra they had a hissy fit, so don't think they will want to insure the mini now either. 

The only way I could get a competitive quote was speak to HIC. They were very good, understood what I wanted and offered a great price and agreed value, even with 2 full pages of mods.




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