42 replies to this topic

[HarrysMini]

Are they mainly performance mods? Because with things like cams, you would probably get away without declaring them, but I don't suggest you do this..

Edited by HarrysMini, 15 April 2014 - 07:39 PM.

[Moggyton]

Adrian flux will be your best bet, as they specialise in modified cars/young drivers.

[jb93]

HIC

[Gremlin]

I just went on confused and put both parents on as well an it's down to £984 all mods declared (that they list) :)

[HarrysMini]

I just went on confused and put both parents on as well an it's down to £984 all mods declared (that they list) :)

What company is that with?

[Gremlin]

Diamond. Read my performance mods on the increasing 998 power topic running atm

[Carlos W]

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

[HarrysMini]

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

[Carlos W]

 

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

 

 

I notice you edited your post though!

[Anthony30]

I just went on confused and put both parents on as well an it's down to £984 all mods declared (that they list) :)

Ring the company who provided the best quote on the comparison website directly, and the price should go down slightly more.

[HarrysMini]

 

 

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

 

 

I notice you edited your post though!

 

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods. 

[Carlos W]

I just went on confused and put both parents on as well an it's down to £984 all mods declared (that they list) :)

 

I insured my dad on my daily cars up until I was 30 and he brought the price down.

 

I'm not sure he ever drove the Mondeo, and I think he drove the Mazda once, the day after I bought it.

 

He now makes it a bit more expensive

[Carlos W]

 

 

 

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

 

 

I notice you edited your post though!

 

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods. 

 

Saying you'd probably get away with not declaring mods may encourage people not to declare them.

 

Insurance companies aren't stupid, they're aware of tuning mods on the market.

 

And if you kill someone crash investigators will literally take your car apart. If the undeclared mods are a factor you're potentially looking at time for causing death by dangerous driving.

 

The reason young people pay more for insurance, especially on modified cars is due to increased risk.

 

I was paying 800 quid a year when I was 22 (10 years ago) for a 2 litre Hyundai coupe. I know insure a 59 plate Mazda 6 2.2TD for £200. 

 

Drive carefully, build up no claims and keep a clean licence and premiums will fall.

[Gremlin]

Calm down guys, I've no interest in not declaring mods. http://www.theminifo...c/#entry3039480

[HarrysMini]

 

 

 

 

Can we stop suggesting people don't declare modifications please, it really is stupid advice.

 

If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 

 

Driving a vehicle whilst uninsured will be 6 points plus a fine,

 

6 points in your first 2 years, you will lose your licence and have to retake your test.

 

Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

 

 

I notice you edited your post though!

 

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods. 

 

Saying you'd probably get away with not declaring mods may encourage people not to declare them.

 

Insurance companies aren't stupid, they're aware of tuning mods on the market.

 

And if you kill someone crash investigators will literally take your car apart. If the undeclared mods are a factor you're potentially looking at time for causing death by dangerous driving.

 

The reason young people pay more for insurance, especially on modified cars is due to increased risk.

 

I was paying 800 quid a year when I was 22 (10 years ago) for a 2 litre Hyundai coupe. I know insure a 59 plate Mazda 6 2.2TD for £200. 

 

Drive carefully, build up no claims and keep a clean licence and premiums will fall.

 

Absolutely, I completely agree with everything you say.

 

But lets get this back to good companies who insure young drivers with modified cars.