This may seem a silly question, but if you have the stripe with the check pattern at the end applied to the side of a 500 (as many people here do), is it necessary to tell your insurance company?

Inevitably, I think the insurers would ask for an increase in premium to be paid.

I've read that "go faster" stripes can cause insurance claims to be affected.

Has anyone had any experience of this?

Thanks in advance.

I would tend to tell them - just in case it got nicked / keyed & they tried to argue it was more eye-catching / more of a target etc.

On mine, I did mention the leather interior & colour, but not the side rubbing strip...

OrangeSport said:

I would tend to tell them - just in case it got nicked / keyed & they tried to argue it was more eye-catching / more of a target etc.

On mine, I did mention the leather interior & colour, but not the side rubbing strip...

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Thanks for that reply. I'll give them a ring and tell them about the white strip. I think it's best that I do so.

You do have to tell your insurance because as mentioned above it "makes it more desirable".
I paid an extra £50 to Admiral for having leather seats, stripes and 17" alloys on my Abarth.

I didn't think you did if it was added by the manufacturer...

I know what you're saying, but that's the way Admiral do it, and I think if it was aftermarket and not dealer fitted then it would have been more. They pretty much quoted me £70 per aftermarket mod on my old car.

Any manufacture fitted options will not make any difference to your insurance premium and you do not have to declare them either. As this is not an after market accessory or modification it is, as far as they are concerned, a standard manufactures car. The only thing is they wont pay out in the event of a write off/total loss as a 'completely standard' car does not have these bits on obviously, so don't expect to be paid for them if you do not declare it.

I got those stripes, when i told admiral they charged me an extra £5 a year for the privilege. Guess is adds a bit but the amount would probably have something to do with your age and sex. a seventeen year old may find it more of a problem. having said that i'm only 22.

MissR said:

I didn't think you did if it was added by the manufacturer...

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Any none standard spec they need to be notified about. I.e ANY options

Daz1878 said:

Any manufacture fitted options will not make any difference to your insurance premium and you do not have to declare them either. As this is not an after market accessory or modification it is, as far as they are concerned, a standard manufactures car. The only thing is they wont pay out in the event of a write off/total loss as a 'completely standard' car does not have these bits on obviously, so don't expect to be paid for them if you do not declare it.

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WRONG

As I've mentioned about, any options, factory, dealer or after market fit your insurance company need to be notified about.

They may then tell you what does and does not matter, but the fact is that with any option fitted your car is not standard

It's in your best interest come claims time

Most Easterly Pandas said:

They may then tell you what does and does not matter, but the fact is that with any option fitted your car is not standard

It's in your best interest come claims time

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Definitely. Any options you have added from the options list should really be mentioned to your insurer, it may make your premium increase, depending on the item, because it will likely cost the insurer more to replace (i.e leather is a lot extra than standard fabric in most cases). On my Abarth 500 I've listed the upgraded alloys and leather interior options because they will cost the most to replace in the event of an accident/theft, especially with these seat airbags now - they could even argue not to repair or replace to the cost of leather seats if not insured.

With aftermarket things, it is very much the same case - what they will cost to replace if stolen/damaged over and above the cost of the standard car. When it comes to performance enhancing parts (springs, ecu chips, exhausts, filters etc) they are changing the performace of the car, thus making it a higher risk, so will cost more not only for replacement factor, but also risk factor. I bet there is a little part built in there somewhere for making it more desirable to tea leaves as well...

Old thread I know, but look at this. The insurance company mention some purely cosmetic updates (as well as some more serious changes):

http://www.echo-news.co.uk/news/8164221.Car_owner_being_sued_by_her_insurance_firm/?ref=mr

Something in that article doesn't add up;

There is no suggestion that Mr Bissmire was not insured on the car.

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but;

Diamond Insurance is seeking a ruling from the High Court that it should not have to pay out on the insurance policy due to the modifications on the car.

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zanes said:

Something in that article doesn't add up;



but;

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due to the legal requirements on the insurer
he was insured and im sure the insurer paid out for 3rd party losses
howevber now they are looking to recoup their losses as the insured party wasnt covered as per the policy T&C's

custard said:

due to the legal requirements on the insurer
he was insured and im sure the insurer paid out for 3rd party losses
howevber now they are looking to recoup their losses as the insured party wasnt covered as per the policy T&C's

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Ah, that makes sense. Poor journalism as per usual then. :idea:

I'm insured with Admiral and I haven't told them it has red stripes on it; the car has been insured with them since I got it too. When first insuring it I did it all over the phone and they never asked me anything about it. The only thing they did ask me was if it had alloy wheels, which they wanted to put down as a modification. I had a little argument with them explaining that it comes with alloys as standard so they were quite happy with that.

Last month, some horrible person reversed into my rear right wheel arch denting it in, removing a considerable amount of paint and damaging the stripe extensively. They then buggered off and left me to find it like that

Anyway, it's all been fixed now, and I had to claim on the insurance, and they repaired it all no problem, replacing the stripe.

So what I'm trying to get at is, I don't think you do have to tell them if it's factory fitted.

havaska said:

So what I'm trying to get at is, I don't think you do have to tell them if it's factory fitted.

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Yes you do. Lets just say you were lucky. If they decided to they could have said they wouldn't replace the stripe. But luckily they didn't.

Possibly I am reading it wrong but I can't believe that the article lists seat covers & carpet mats as modifications.

focus said:

Possibly I am reading it wrong but I can't believe that the article lists seat covers & carpet mats as modifications.

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Its all propaganda.

Also why on earth would you have to tell the insurance if a stripe is factory fit. If they dont pay out for the stripe (which they will as it will just be included in the quote) You can get another one fitted for like £10 lol.

Of course you do. A stripe is renound for adding at least +10bhp so it is classed as a performance modification. Stupid question imo!

karbineftw said:

Of course you do. A stripe is renound for adding at least +10bhp so it is classed as a performance modification. Stupid question imo!

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Seriously? I would be expecting 15 at least