To those of you who have made some changes to your cars, what do you have to declare to your insurance company? For example, cosmetic modifications. Do they have to be declared or is it only power enhancing? If you have declared things, does it make a big difference to the cost? I'm just wondering if some mods are going to make my insurance shoot up.

 

from my experiance with my pt cruiser vert i declared every single mod from wheels to custom trimmed interior to front and rear body kit,custom built twin catback exhaust, when i had a claim (somebody rearended me) i didnt have any probs as all mods were listed so i would say be honest and declare all mods for peace of mind...i was with adrian flux and they specialise in modified vehicles so understand about the custom car market....just my opinion...chris

 

I've not touched the crossfire but my previous car had a third power increase, larger brakes and was lowered. I declared all of it and when first done it came in at about the same as I had paid the previous year with Tesco's. That was with Adrian Flux as well but I later switched to Chris Knott who was even cheaper. People get away with it all the time but if anything goes wrong you'll get nothing.

 

It's not worrying so much about the cost to insure the vehicle, but rather what would happen if you were to have an accident. In that case, unless you have added any mods to your insurance, they will only repair the car to original OEM condition. That means, for example, if one of your custom wheels gets trashed in an accident, they will replace that one wheel with an OEM wheel.

 

In the UK they are more likely to consider that a performance mod and if you don't tell them they will invalidate your insurance they are not usually very sympathetic

 

Document the changes on a camera with date so that you can verify it, then keep receipts and you should be good to go in case you need to show it. Woody

 

Good advice! I was wondering if mods were worth the exta insurance costs but maybe it's not too bad if you shop around eh?!