My insurance is up for renewal at the end of the month and I was looking on-line for a quote.

I tried most of them and Liverpool Victoria looked the most promising. I declared that I have some mods on the car and got redirected to a page showing possible modifications. Among them was exhaust mods. LV have a chat session on their quote page so I asked what constituted exhaust mods. I was told anything that does not match the original system, even if you've bought a Kwik-Fit system for your car. So, my DTR system makes the car modified and if I don't declare it and have a shunt I would risk the insurance being made void.

If any of you have non Fiat systems it would be worthwhile checking this.

There was an article in MCN the other day (yeah I know it's a comic) that stated that some insurance companies are declaring bikes modified if they don't have the same make and model tyres as originally supplied. I don't know if they are likely to try to pull this stunt with cars. That would make the vast majority of cars on there second set of tyres uninsured I would think. Try getting hold of some Kleber tyres for your Renault at a reasonable price. No chance. I ditched the Pirelli p6000s from my b at 12k because they're crap.

Anything to add more to the premium and and get out of paying up in the case of a claim!!

I pay £650 and that covers all my mods so far. The problem is the car is only say 10 BHP over stock at the mo so stuff knows what it will cost when the BHP starts to go up.

I don't think they can get away with tyres from a different company, because of competition laws. In fact they're on think ice all-round as you can't be expected to know if your exhaust is OEM or not, assuming you bought the car 2nd hand.

On the other hand it could be expensive to fight.

In Belgium, things are tighter at the MOT level, so you can't just whack on huge wheels, or a turbo. I think they also have to prove that any mod they don't like actually caused the accident, in order to refuse the claim.

Mad Matt said:

I think they also have to prove that any mod they don't like actually caused the accident, in order to refuse the claim.

Click to expand...

Now that would make more sence.............

The problem would be that if you declare on your insurance proposal that your car is unmodified, then it is up to you to ascertain that it is the case.

Ignorance is no excuse m'lud.