Do I have to inform insurance company?

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wilkies5
wilkies5 Posts: 166 Forumite
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in Insurance & life assurance
I am considering getting rear parking sensors on my little Mazda 2. It has had a black box fitted already and I want to know if I should inform the insurance company of an adaptation such as this?
Many thanks
Wilkies5

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  • rudekid48
    rudekid48 Posts: 2,382 Forumite
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    Check your policy wording, but most insurers will want to know about any modifications...
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • forgotmyname
    forgotmyname Posts: 32,552 Forumite
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    Speak to them first otherwise you may end up with a large bill and no insurance. Lots of insurers do not like modified cars.
    Censorship Reigns Supreme in Troll City...

  • C_Mababejive
    C_Mababejive Posts: 11,654 Forumite
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    You could just not mention it and no one would know. If queried, (unlikely), you could just say,oh they were fitted when i bought it.
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
  • Quentin
    Quentin Posts: 40,405 Forumite
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    C_Mababejive wrote: »
    You could just not mention it and no one would know. If queried, (unlikely), you could just say,oh they were fitted when i bought it.
    Take care over this advice.


    Your policy will require you to notify modifications and lying to insurers is never a good idea - especially following a claim when it is likely any undeclared modifications come to light


    This would allow the insurer to void the claim and the policy. If a third party was involved and you were liable, although your insurer would deal with the third party claim they would then turn their sights on you to reimburse them.


    A cancelled policy on your record is bad news
  • C_Mababejive
    C_Mababejive Posts: 11,654 Forumite
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    We hear you quentin but really the truth is that insurance cos are in the business of making money and will do their best not to pay it out. I guess a definition of a modification would be good.
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
  • societys_child
    societys_child Posts: 7,110 Forumite
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    I guess a definition of a modification would be good.
    Noticed recently that just about anything is regarded as a mod by some companies.

    No more go-faster-stripes or STP stickers . . .:cool:
  • C_Mababejive
    C_Mababejive Posts: 11,654 Forumite
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    societys_child wrote: »
    Noticed recently that just about anything is regarded as a mod by some companies.

    No more go-faster-stripes or STP stickers . . .:cool:


    What about a yellow flower sticker on the boot of your micra?
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
  • Quentin
    Quentin Posts: 40,405 Forumite
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    C_Mababejive wrote: »
    ..... I guess a definition of a modification would be good.
    Moneysupermarkets:

    A car modification is a change made to a vehicle so that it differs from the manufacturer’s original factory specification.
  • societys_child
    societys_child Posts: 7,110 Forumite
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    C_Mababejive wrote: »
    What about a yellow flower sticker on the boot of your micra?
    Ohh, I'm not sure, what does it symbolise?
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