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Do I Need To Tell My Insurer


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#1 mohammed

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Posted 15 August 2011 - 01:08 PM

i recently painted my engine and changed the rad hoses, and some other stuff like new starter motor, HT leads... do i need to tell my insurer about the changes??

thanks

mohammed

#2 Doovydoo

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Posted 15 August 2011 - 01:11 PM

No.. they mean serious modifications like alloy wheels, sports exhaust, possibly even bodywork changes.

The things you have mentioned are essential consumable (arguably not as consumable as oil, brake pads; but still..) items that need replacing.

#3 maggies_minder

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Posted 15 August 2011 - 01:19 PM

as above, dont worry about those.
insurers are more worried about things that will make the car stand out more and therefore attract unwanted attention.

#4 998dave

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Posted 15 August 2011 - 01:52 PM

No you don't.

Unless you painted the engine red, which gives it more power, and therefore counts as tuning...

Dave

#5 mohammed

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Posted 15 August 2011 - 02:19 PM

No you don't.

Unless you painted the engine red, which gives it more power, and therefore counts as tuning...

Dave


Lol.. and Yes i did paint the engine red

Attached File  7.JPG   124.67K   11 downloads

#6 Jeano

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Posted 15 August 2011 - 02:20 PM

:gimme: at the red comment,

just sounds like maintainance to be honest, so wouldnt tell them either

#7 james962

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Posted 15 August 2011 - 03:11 PM

Engine bay looks gooood :thumbsup:

#8 jbs.998

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Posted 15 August 2011 - 06:57 PM

painted mine red too, gives at least another 1hp!!

#9 minikidx14

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Posted 15 August 2011 - 07:15 PM

I would just to be safe. Doubt it would increase the price, if it does its time for a new insurer ;D

#10 Cooperman

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Posted 15 August 2011 - 07:34 PM

No, what you have done does not effect the specification of the vehicle in any way at all. It's just routine maintenance.

#11 minikidx14

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Posted 15 August 2011 - 10:13 PM

If painting the outside of a vehicle could effect your insurance, why wouldnt painting an engine

#12 Midas Mk1

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Posted 15 August 2011 - 10:16 PM

Better take the hammerite and waxoil off the underside of my Mini, as it'll effect the insurance >_<

lol

#13 minikidx14

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Posted 15 August 2011 - 10:29 PM

Its very unlikely to affect insurance however you should still tell them

#14 maggies_minder

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Posted 15 August 2011 - 10:30 PM

Its very unlikely to affect insurance however you should still tell them

they wont give a hoot.

#15 minikidx14

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Posted 15 August 2011 - 10:37 PM


Its very unlikely to affect insurance however you should still tell them

they wont give a hoot.


Im sure you would if they decided not to pay out on a claim you make...

One important thing to remember is that you are legally obliged to inform insurers of any modifications that you do. This is vitally important as failing to declare them can potentially invalidate your entire insurance policy. This would mean in the event of you making a claim, and the insurers discovering an undisclosed modification to your car, you could be left high and dry with a null and void policy. The modification disclosure rule is normally found in the terms and conditions of a policy, with the onus very much on the policyholder having to inform the insurer, and not the other way round like many seem to believe.






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