Insurance- no option for modification?

dannyrst

kpizzle17 wrote: »

They're being fitted by the car maker

Personally then, I'd not bother claiming them. I assume they can come standard on the car as an optional extra?

kpizzle17

dannyrst wrote: »

Personally then, I'd not bother claiming them. I assume they can come standard on the car as an optional extra?

I don't *think* so, I'm a bit of a noob, this is my first car! My kind family who helped me pick the car got them to fit them as part of the deal. It's a used car, fairly new but used.

ChumLee

kpizzle17 wrote: »

I don't *think* so, I'm a bit of a noob, this is my first car! My kind family who helped me pick the car got them to fit them as part of the deal. It's a used car, fairly new but used.

Make and model?

kpizzle17

ChumLee wrote: »

Make and model?

Hyundai i10 2012 1.2 Classic

dannyrst

Honestly, it's a waste of £200.

Just imagine how many cars are on the road that have retro fitted optional extras, been traded in and then bought by someone with no idea that it has been modified.

For those who say all modifications should be declared, do you include Halfords replacement bulbs? Replacement tyres that aren't the same make as came with the car?

kpizzle17

dannyrst wrote: »

Honestly, it's a waste of £200.

Just imagine how many cars are on the road that have retro fitted optional extras, been traded in and then bought by someone with no idea that it has been modified.

For those who say all modifications should be declared, do you include Halfords replacement bulbs? Replacement tyres that aren't the same make as came with the car?

What would happen if I damaged the bumper and the sensors and wanted to claim on my insurance though? I don't know much about insurance.....

ChumLee

It's a three year old car, maybe the previous keeper fitted them or they were on from new. When does an optional extra become a modification?

InsideInsurance

Chances are they wont catch you but if they do and believe its deliberate then they could void the policy, dont pay the claim and load you to CIFAS for first party fraud which your bank, credit card company, mortgage provider etc will all be notified of and generally they arent so keen on customers that have a tendency to commit fraud.

The chances are low but the consequences can be fairly high and have known it to happen. More commonly its just void the policy and avoid the claim that still causes problems with getting insurance again in the future but much less of an issue than banks calling in debts etc.

As its Confused.com that isnt listing the mod you have made go through to the insurers in turn and added it to their system and check the price. No one will discount for a mod so as soon as you get to one company that either doesnt load or the loading is less than the price of the next one on the list you have your winner.

InsideInsurance

ChumLee wrote: »

It's a three year old car, maybe the previous keeper fitted them or they were on from new. When does an optional extra become a modification?

For most insurers, anything thats done after the car has rolled off the production line.

For a minority it also includes any optional extras taken and installed during production (Eg Admiral Group)

There is an issue of people buying secondhand cars and simply not knowing if the alloys were standard, an optional extra installed at the factory or something done post production. Thankfully its not that commonly an issue but it does occasionally come up.

dannyrst

InsideInsurance wrote: »

Chances are they wont catch you but if they do and believe its deliberate then they could void the policy, dont pay the claim and load you to CIFAS for first party fraud which your bank, credit card company, mortgage provider etc will all be notified of and generally they arent so keen on customers that have a tendency to commit fraud.

The chances are low but the consequences can be fairly high and have known it to happen. More commonly its just void the policy and avoid the claim that still causes problems with getting insurance again in the future but much less of an issue than banks calling in debts etc.

As its Confused.com that isnt listing the mod you have made go through to the insurers in turn and added it to their system and check the price. No one will discount for a mod so as soon as you get to one company that either doesnt load or the loading is less than the price of the next one on the list you have your winner.

How many of those retro fitted manufacturer supplied reversing sensors? I fear you are comparing heavily, performance modified cars with third party equipment to this case.