Does your car only have standard equipment?

thescouselander

My car has mud guards and a boot liner fitted - are these modifications?

b33r

thescouselander wrote: »

My car has mud guards and a boot liner fitted - are these modifications?

If it allowed the insurance company to somehow wriggle out of a claim then probably.

thescouselander

b33r wrote: »

If it allowed the insurance company to somehow wriggle out of a claim then probably.

It's ridiculous but I suspect you're right. I heard on the news not that long ago that a woman had her claim declined because her car was modified with a sticker.

http://www.theguardian.com/money/2015/feb/16/check-insurers-dont-mind-modifications-car

peter_the_piper

That means that a sticker, in the windscreen, saying you have bought 2 hours parking could invalidate your insurance? Madness.

Geodark

I have to say I rang more-than when I got a roofbox fitted to my car and was told by them that they didn't need to be notified about it - they have a list of things that they don't need to be told about that came with the policy document when i took out the policy. I think they termed it non-notifiable modifications or something along that line.

no1catman

I think the question is geared more to if the 'Mod' changes the performance of the car.
For example a 'boy racer' may lower the suspension, may put in 'racing' seats, retune the engine.
Back in the 'old days' I heard that with the Ford Cortina MkII the 1.6 ltr engine comes out, replaced by a 2.0 ltr., with twin Webber carbs., a totally different car and performance.
It's that mentality, of not being able to afford a GT/Gti car, so convert the car they can afford to 'perform'.
Hence, a big risk.

Nilrem

thescouselander wrote: »

It's ridiculous but I suspect you're right. I heard on the news not that long ago that a woman had her claim declined because her car was modified with a sticker.

http://www.theguardian.com/money/2015/feb/16/check-insurers-dont-mind-modifications-car

IIRC in the case in question it wasn't that it was a sticker but that it was to do with her work (some sort of advertising sticker like the "phil's Cabs call ..." over the doors).
Which would change it from the sort of sticker that it seems everyone puts on their car in one form or anther into a business related category.

Johno100

no1catman wrote: »

I think the question is geared more to if the 'Mod' changes the performance of the car.
For example a 'boy racer' may lower the suspension, may put in 'racing' seats, retune the engine.
Back in the 'old days' I heard that with the Ford Cortina MkII the 1.6 ltr engine comes out, replaced by a 2.0 ltr., with twin Webber carbs., a totally different car and performance.
It's that mentality, of not being able to afford a GT/Gti car, so convert the car they can afford to 'perform'.
Hence, a big risk.

No, I think everybody understands that those post production 'boy racer' mods as you put it need to be declared. It is things like larger wheels or limousine darkness tinted windows fitted at the factory as an option when the car was being manufactured and whether that sort of thing needs to be declared

molerat

It would be interesting if they tried to decline a claim because I have got a spare wheel !

onomatopoeia99

molerat wrote: »

It would be interesting if they tried to decline a claim because I have got a spare wheel !

They wouldn't. If they did and you took it to the ombudsman, they would get stamped on.

If you had said "I've got a Nova which say 1200cc on the log book so the insurance is cheap, but I put the engine from a 2.0 Astra GTE in," then you would be in trouble if you needed to make a claim. A spare wheel or sat nav, not so much.