do you have to tell your insurance company about everything you do to your mini like remove back seats, hi-los, shocks, dashboard/centreconsole, steering wheels e.t.c??
cheers
insurance queries
Started by
ben
, Sep 06 2004 07:18 PM
6 replies to this topic
#3
lewis
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Up Into Fourth
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Posted 06 September 2004 - 09:08 PM
its best you do, they may not charge you on alot of of interior items but if you knocked someone over they would use your interior mods as an 'excuse' to make you cough money up saying that you were a boy racer etc
#4
miniman5
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Posted 06 September 2004 - 09:25 PM
declear EVERY THING! if you dont and you hit some one or some thing the insurance company will use ANY THING! to get out of paying out !
#5
ben
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Stage One Kit Fitted
Posted 07 September 2004 - 03:02 PM
even a bloody gear knob??
#6
Dan
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Posted 07 September 2004 - 10:37 PM
Depends on who your insurer is. Some really won't let you change anything on the car for non original or equivalent parts. Even a...
A center console and a steering wheel would be different things. The console is an accessory so they would probably just count it as luggage (unless their assessor thinks it will interfere with the clutch or something), whereas the steering wheel is a replacement and safety critical too. So they might not like it.
Ask them how they feel about interior mods, and if they say no then change companies. They might not charge you anything for the changes you make, just so long as they know about it. It's all about covering your own back in case something does happen.bloody gear knob??
A center console and a steering wheel would be different things. The console is an accessory so they would probably just count it as luggage (unless their assessor thinks it will interfere with the clutch or something), whereas the steering wheel is a replacement and safety critical too. So they might not like it.
#7
cowboy
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Posted 07 September 2004 - 10:53 PM
its also a good idea to find out how much insurance is going to be before you do any mods, especally when you are rebuilding your mini.
as you all know mine is now finished and the only changes i made, were to teh exhaust (rc40) airfilter (K&N) and put some alloys on it, nothing to increase the power to much, just make it more reliable and handle better.
went to get some quotes from insurance companies, i thought they had been taken over by willy turpin, £500 bu*k me i thought so lots of phoning around and i finally found one under £200, but they need photo's of all my mods.
most insurance companies wouldn't insure the car, and i'm anchient,
:wales:
so before you decide to change something check with your insurance company to see if its going to be worth it
as you all know mine is now finished and the only changes i made, were to teh exhaust (rc40) airfilter (K&N) and put some alloys on it, nothing to increase the power to much, just make it more reliable and handle better.
went to get some quotes from insurance companies, i thought they had been taken over by willy turpin, £500 bu*k me i thought so lots of phoning around and i finally found one under £200, but they need photo's of all my mods.
most insurance companies wouldn't insure the car, and i'm anchient,
:wales:
so before you decide to change something check with your insurance company to see if its going to be worth it
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