A cautionary post, for anyone who doesn't consider that all changes to your car are worth mentioning.
I have spent some time over Christmas sorting out quotes for the insurance on my new A500. It has three factory fitted upgrades; white stripes and mirrors, darker rear 3/4 windows and leather interior trim.
The online tools usually didn't allow these to be added anywhere, so I have been getting a price then calling to see what it is including these. Some companies made no extra charge, most increased the premium by 10-20% with a higher excess and one refused to cover a car with these options! I suspect many people wouldn't bother mentioning non-performance upgrades, especially stickers, but it just goes to show you.
I know somebody whose car was recently trashed, and he can't get any payout as he hadn't mentioned the extra instrument panel he had added to it (despite the engine and suspension upgrades he had mentioned).
Best to play it safe and not give them a chance to wriggle out of a payout.
I have spent some time over Christmas sorting out quotes for the insurance on my new A500. It has three factory fitted upgrades; white stripes and mirrors, darker rear 3/4 windows and leather interior trim.
The online tools usually didn't allow these to be added anywhere, so I have been getting a price then calling to see what it is including these. Some companies made no extra charge, most increased the premium by 10-20% with a higher excess and one refused to cover a car with these options! I suspect many people wouldn't bother mentioning non-performance upgrades, especially stickers, but it just goes to show you.
I know somebody whose car was recently trashed, and he can't get any payout as he hadn't mentioned the extra instrument panel he had added to it (despite the engine and suspension upgrades he had mentioned).
Best to play it safe and not give them a chance to wriggle out of a payout.