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post #1 of 10 (permalink) Old 08-07-2009, 09:10 Thread Starter
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Angry Exterior mods & insurance

Curious to know how people have been effected by exterior modifications and insurance premiums please?

I'm aware of performance mods & how that's pillaged my wallet at renewal time but before doing exterior cosmetic mods i'd like to know what i could be letting myself in for when it comes to insurance renewal!

I'm only interested in side skirts, front bumper & rear bumper mods & how this has effected premiums please :-)
Cheers
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post #2 of 10 (permalink) Old 08-07-2009, 09:14
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I think best advice would be to ring around and ask the question.
But it will affect ya insurance premium ,question is how much .
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post #3 of 10 (permalink) Old 08-07-2009, 09:25
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aparently some insurance companys dont rise up the insurance on exterior mods unless its like exhaust and mods which increase the engines power
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post #4 of 10 (permalink) Old 08-07-2009, 09:59
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quinn direct dont charge for visual mods
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post #5 of 10 (permalink) Old 08-07-2009, 10:14 Thread Starter
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Quote:
Originally Posted by Daniel-3640 View Post
quinn direct dont charge for visual mods
That's interesting, they're on my list of insurers to ask.
Nice one, thanks :-)
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post #6 of 10 (permalink) Old 08-07-2009, 10:53
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Some insurance companies view exterior mods badly. They consider that they make the car stand out and make it more attractive to thieves and vandals. It all depends on the insurance company. Some will accept modifications but will not pay out for them should a claim arise. i e if you have a modified car and it gets damaged they will only pay to replace the damaged parts with standard.
When I first started modding my ZR, one of the first mods was to change the rear lights. I notified my insurance brokers and the company I was with at the time (I had been with them for close on 10 years without a claim) dropped me there and then so I was technically uninsured from that moment on. Took my brokers an hour to find another company that was willing to accept the lights. Then again when I changed my 16" hairpins for some 5 spoke Wolfraces it made no difference.
I have now gone with Ensign who have accepted all mods (external and internal) and will replace like for like and have also retained my 9years NCB
It is worth shopping around
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post #7 of 10 (permalink) Old 08-07-2009, 12:27
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more than also allow visual mods with no charge, although wont allow performance mods - on the whole a week ago I found more than alot cheaper than quinn for new quotes.

thanks,
Luke
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post #8 of 10 (permalink) Old 08-07-2009, 12:33
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I'm with Admiral, there were no charges for cosmetic exterior changes or bodykit additions and an 11 increase on my premium for a complete "performance" exhaust.

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post #9 of 10 (permalink) Old 08-07-2009, 13:01
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i'm with farmers union and they didnt even charge for lowering as they classed it as "visual"
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post #10 of 10 (permalink) Old 08-07-2009, 15:58 Thread Starter
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Interesting

Wow, thats a real difference of results from different insurers..... i've been clobbered for all the 'performance' mods (600 pa insurance 4 yrs ncb) so its great information and advice guys, thank you. Especially intresting that some of the bigger more well-known insurers will insure modified cars as i kind of thought from the limited experience i've had that they wouldn't: opens more options to get the insurance down.
Cheers

P.S. Can't believe insurance company drops you after 10 years for altering the rear lights..... man alive that's harsh.
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