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Results: Are my mods going to lose me my policy?

Yes

91.30% • 21 votes

No

8.70% • 2 votes

You may not vote on this poll

23 votes in total.

  • FIRST POST
    • Gothen12345
    • By Gothen12345 17th May 18, 5:03 PM
    • 2Posts
    • 0Thanks
    Gothen12345
    Are my car mods going [Removed] (Insurance)
    • #1
    • 17th May 18, 5:03 PM
    Are my car mods going [Removed] (Insurance) 17th May 18 at 5:03 PM
    Hello,

    So I enquired to Tesco box insurance about the possibility of acquiring an ecu mod. They came back with a big fat NO.

    I thought nothing of it, now Tesco want me to take photos of the entire car to prove I have not modified it.

    Though I have not modified the car in any conceivable way that I believe would invalidate my insurance I've no idea whether I am about to screw myself royally by sending in photos that will make it seem like I am taking the [Removed].


    So here is a list of mods on the car, are these going to lose me my insurance policy?:

    Cosmetic Mods
    -Aluminium Exhaust Tip (screwed on with an allen key)
    -"Objects in mirror are losing" stickers on wing mirrors
    -Wing mirror eyebrows to reduce rain accumulation on mirror surface
    -Enderman glued to the dashboard
    -Replacement Gear knob
    -Blue Metal Dust caps for wheels
    -Pink bobble attached to front grill underneath Subaru badge

    Other Mods
    -Additional Cup holders to go into door pocket
    -600watt 12v inverter
    -Low gauge wire from battery (with fuse), through firewall to boot for inverter
    -Aftermarket stereo
    -Subaru forester dash tray (under stereo)
    -Subwoofer cable underneath carpet to boot of vehicle
    -Subwoofer in boot of car
    -Missile switch to activate relay for powering inverter
    -Dash Camera

    Are any of these mods likely to get my insurance policy cancelled?

    I can't really afford to lose my policy, I don't want to extend the use of this darn black box any longer than necessary.
    Last edited by MSE ForumTeam2; 17-05-2018 at 10:59 PM.
Page 1
    • Browntoa
    • By Browntoa 17th May 18, 5:08 PM
    • 33,554 Posts
    • 39,651 Thanks
    Browntoa
    • #2
    • 17th May 18, 5:08 PM
    • #2
    • 17th May 18, 5:08 PM
    It's normally performance mods , wheels , suspension , ECU etc
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to forumteam@moneysavingexpert.com Any views are mine and not the official line of MoneySavingExpert.
    • AndyMc.....
    • By AndyMc..... 17th May 18, 5:21 PM
    • 2,337 Posts
    • 1,428 Thanks
    AndyMc.....
    • #3
    • 17th May 18, 5:21 PM
    • #3
    • 17th May 18, 5:21 PM
    Hello,

    So I enquired to Tesco box insurance about the possibility of acquiring an ecu mod. They came back with a big fat NO.

    I thought nothing of it, now Tesco want me to take photos of the entire car to prove I have not modified it.

    Though I have not modified the car in any conceivable way that I believe would invalidate my insurance I've no idea whether I am about to screw myself royally by sending in photos that will make it seem like I am taking the p*ss.


    So here is a list of mods on the car, are these going to lose me my insurance policy?:

    Cosmetic Mods
    -Aluminium Exhaust Tip (screwed on with an allen key)
    -"Objects in mirror are losing" stickers on wing mirrors
    -Wing mirror eyebrows to reduce rain accumulation on mirror surface
    -Enderman glued to the dashboard
    -Replacement Gear knob
    -Blue Metal Dust caps for wheels
    -Pink bobble attached to front grill underneath Subaru badge

    Other Mods
    -Additional Cup holders to go into door pocket
    -600watt 12v inverter
    -Low gauge wire from battery (with fuse), through firewall to boot for inverter
    -Aftermarket stereo
    -Subaru forester dash tray (under stereo)
    -Subwoofer cable underneath carpet to boot of vehicle
    -Subwoofer in boot of car
    -Missile switch to activate relay for powering inverter
    -Dash Camera

    Are any of these mods likely to get my insurance policy cancelled?

    I can't really afford to lose my policy, I don't want to extend the use of this darn black box any longer than necessary.
    Originally posted by Gothen12345
    You do realise your ice will not be covered for theft?
    Hi there! Weve had to remove your signature. Please check the Forum Rules if youre unsure why its been removed and, if still unsure, email forumteam@moneysavingexpert.com
    • unholyangel
    • By unholyangel 17th May 18, 6:38 PM
    • 12,783 Posts
    • 10,102 Thanks
    unholyangel
    • #4
    • 17th May 18, 6:38 PM
    • #4
    • 17th May 18, 6:38 PM
    I think every insurer I've ever been with class it as any deviation from how the car comes from the manufacturer although only those that affect your risk should result in a change to the premiums.


    Cosmetic mods won't affect performance but they may well increase the risk of your car being stolen by making it more attractive to thieves so can affect your premiums.
    Money doesn't solve poverty.....it creates it.
    • John-K
    • By John-K 17th May 18, 6:53 PM
    • 654 Posts
    • 1,021 Thanks
    John-K
    • #5
    • 17th May 18, 6:53 PM
    • #5
    • 17th May 18, 6:53 PM
    Some insurers will ramp up the policy for those mods, and yes, some will refuse to cover them.
    • epninety
    • By epninety 17th May 18, 6:58 PM
    • 555 Posts
    • 328 Thanks
    epninety
    • #6
    • 17th May 18, 6:58 PM
    • #6
    • 17th May 18, 6:58 PM
    Cosmetic mods won't affect performance but they may well increase the risk of your car being stolen
    Originally posted by unholyangel
    Having read the list above, it would be hard for the ins.co. to make this argument with a straight face
    • unholyangel
    • By unholyangel 17th May 18, 7:13 PM
    • 12,783 Posts
    • 10,102 Thanks
    unholyangel
    • #7
    • 17th May 18, 7:13 PM
    • #7
    • 17th May 18, 7:13 PM
    Having read the list above, it would be hard for the ins.co. to make this argument with a straight face
    Originally posted by epninety
    Not sure why you found it funny - I was pointing out it doesn't have to affect performance to count as a modification that you need to tell your insurer about. Even something simple like adding a roof rack, decals or having your windows tinted can increase your premiums.
    Money doesn't solve poverty.....it creates it.
    • John-K
    • By John-K 17th May 18, 7:25 PM
    • 654 Posts
    • 1,021 Thanks
    John-K
    • #8
    • 17th May 18, 7:25 PM
    • #8
    • 17th May 18, 7:25 PM
    Not sure why you found it funny - I was pointing out it doesn't have to affect performance to count as a modification that you need to tell your insurer about. Even something simple like adding a roof rack, decals or having your windows tinted can increase your premiums.
    Originally posted by unholyangel
    It was funny as the mods sound as though it means that any self-respecting thief would walk on by and find something else.

    I think everyone understands that the insurer does not view it that way...
    • Joe Horner
    • By Joe Horner 17th May 18, 7:39 PM
    • 4,499 Posts
    • 3,977 Thanks
    Joe Horner
    • #9
    • 17th May 18, 7:39 PM
    • #9
    • 17th May 18, 7:39 PM
    Having read the list above, it would be hard for the ins.co. to make this argument with a straight face
    Originally posted by epninety

    They wouldn't need to.

    Assuming none of the mods were declared when the policy was taken out (which is a fair assumption, or the OP wouldn't be worried about them finding out now), they'd be entitled to void the policy for breach of trust as long as there's no claim outstanding.

    Tesco tend not to quote at all on modified vehicles so they may also have the option of voiding on the basis that they wouldn't have offered cover if they'd known.
    • AdrianC
    • By AdrianC 17th May 18, 7:41 PM
    • 18,371 Posts
    • 16,593 Thanks
    AdrianC
    When you go to Tesco's website for a car insurance quote, before you even start to get to the detail, they say...

    Can you answer 'yes' to these statements about you and your car?
    • My car hasn't been modified in any way from the manufacturer's standard specification. It's OK if you have optional extras fitted by the vehicle manufacturer from new or modifications made solely to allow use by a disabled person.
    If you have been unable to answer 'yes' because of the 3 reasons above, call us ... and we'll see what we can do.

    If you went through a comparison engine, they ask a very similar question, and offer very clear explanations of what they mean. For example, the Meerkats ask...
    Has your car been modified in any way?
    When you hover your mouse, a pop-up explains...

    A vehicle is considered modified if it has been changed in any way since it was first supplied by the vehicle manufacturer.
    This would include: Changes to the body work, suspension or brakes, cosmetic changes and changes to the engine management system or exhaust system. If you are unsure whether changes to your vehicle are classed as a modification, please check with your chosen provider before purchasing.
    So, with all that in mind, were you absolutely 100% honest - truth, whole truth, nothing but the truth - when you took the policy out?
    What did you say to those questions? Because, let's face it, your mods do not really allow you to say it's unmodified, do they?

    They're all utterly trivial stick-on tat (what is an "Enderman", and why is it glued on?), but you still need to be absolutely honest to your insurer. Add them together, and you have a situation that implies something about the policyholder's demographic and their likely attitudes. And THAT is why insurers - especially of young drivers - ask.
    • unholyangel
    • By unholyangel 17th May 18, 7:55 PM
    • 12,783 Posts
    • 10,102 Thanks
    unholyangel
    It was funny as the mods sound as though it means that any self-respecting thief would walk on by and find something else.

    I think everyone understands that the insurer does not view it that way...
    Originally posted by John-K
    Well yes, insurers will generally use anything they can to protect their profits.

    What they do doesn't always make sense either. My cousin gave his car to his mum when he got a new one and found that no insurer would allow him to be insured even as a named driver on the old one due to the modifications he had made when it was in his ownership.
    Money doesn't solve poverty.....it creates it.
    • markudman
    • By markudman 17th May 18, 8:01 PM
    • 280 Posts
    • 163 Thanks
    markudman
    I once have a Volvo, that was a total lose, and the insurance company refused to pay because i modified it, All I done was sign write it, will my companies details, the insuer said I should have notified them.
    We may not win by protesting, but if we dont protest we will lose.
    If we stand up to them, there is always a chance we will win.
    • bob_a_builder
    • By bob_a_builder 17th May 18, 8:28 PM
    • 1,597 Posts
    • 777 Thanks
    bob_a_builder
    Insurance companies will always win
    • John-K
    • By John-K 17th May 18, 8:37 PM
    • 654 Posts
    • 1,021 Thanks
    John-K
    Well yes, insurers will generally use anything they can to protect their profits.
    Originally posted by unholyangel
    That has not been my experience at all. I have unfortunately had a few motorbikes stolen and on the last two occasions they upped the payout from my declared valuation on one of them and agreed to pay out new for old on the other despite it being beyond the cutoff date where the policy offered that.
    • Gloomendoom
    • By Gloomendoom 17th May 18, 8:40 PM
    • 14,780 Posts
    • 20,010 Thanks
    Gloomendoom
    That has not been my experience at all. I have unfortunately had a few motorbikes stolen and on the last two occasions they upped the payout from my declared valuation on one of them and agreed to pay out new for old on the other despite it being beyond the cutoff date where the policy offered that.
    Originally posted by John-K
    Ah, but did any of them have a pink bobble on the front?
    Never argue with stupid people, they will drag you down to their level and then beat you with experience. - Mark Twain
    • AdrianC
    • By AdrianC 17th May 18, 8:40 PM
    • 18,371 Posts
    • 16,593 Thanks
    AdrianC
    I once have a Volvo, that was a total lose, and the insurance company refused to pay because i modified it, All I done was sign write it, will my companies details, the insuer said I should have notified them.
    Originally posted by markudman
    And they were right.
    • Gothen12345
    • By Gothen12345 17th May 18, 11:31 PM
    • 2 Posts
    • 0 Thanks
    Gothen12345
    I am getting the general idea that insurance companies are as ruthless as they come.

    The subwoofer is an obvious choice
    The wing mirror stickers are to make me feel better about the 8 cars stuck behind me as I do the speed limit.
    Some of it is just purely to assist in my own laziness
    And the rest is a running joke between me and my mates... A 1.5 subaru doesn't have any poke.

    But yeah, I didn't think I'd need to declare stuff like this given that they said the subwoofer would not need to be mentioned on the policy.

    But the roundabout way I've gone about it makes me feel less positive about it.

    I've just stripped everything out, excluding the enderman and the sub.

    If I eventually start adding this stuff back again I guess someone at tesco is going to deal with my constant nuisance about thing that seem pathetic to need declaring.

    Thanks for the input though
    • arcon5
    • By arcon5 18th May 18, 6:03 AM
    • 13,626 Posts
    • 8,641 Thanks
    arcon5
    Things like the exhaust chrome just unscrew. Then take photos carefully that the sticks aren't obvious or showing.
    • Norman Castle
    • By Norman Castle 18th May 18, 7:52 AM
    • 7,410 Posts
    • 6,175 Thanks
    Norman Castle

    I've just stripped everything out, excluding the enderman and the sub.
    Originally posted by Gothen12345
    You've probably increased the cars value.
    Don't harass a hippie. You'll get bad karma.

    Never trust a newbie with a rtb tale.
    • Joe Horner
    • By Joe Horner 18th May 18, 8:09 AM
    • 4,499 Posts
    • 3,977 Thanks
    Joe Horner
    ^^^ Ohhh, harsh. But true
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