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Declaring

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Declaring

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Milby

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Apr 4, 2011
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Hiya,
I have been looking at insurance for my 1.2 mk1 punto and without declaring any mods the insurance is around £3000 so that would be the standard car in their eyes. After reading on the forums about it dangerous to not declare mods because your classed as uninsured and so on I looked how much it would be with modifications. My car doesn't have anything drastic done to it, it has alloys which are not standard but came with the car and look quite standard and I have redone all the speakers and stereo in the car. Also planning to tint rear windows and fit standard body coloured bumpers. With them few mods my insurance jumps for £3000 to £4100 ..... how this that even realistic if my car is gunna be on 3rd party f+t anyway because they wont pay for my car anyway. :mad:
 
insurance has gone up recently no matter how old you are what experience you have or what you drive

an insurance company see mods and immediately stereotype the owner as well as that making a car look nicer will attract thieves and vandals

there a few things you can do to bring insurance down one of them being to put your parents on as named drivers this can sometimes bring it down

also parking on a drive and a lower annual mileage will also bring it down
 
As a 'risky' driver though, you're not paying for damage you do to your car, you're paying for the damage you'll cause to the banker in his 6-Series or for replacement of the lampost you'll crush.
I'm not saying you will do either of these things but statistically that's what the insurers are covering for. Like anything they make certain assumptions, chiefly that people who modify their cars drive like boy racers and are more likely to cause accidents.
 
Hi mate,

Iv just declared alloys on my car and they have taken £150 extra for them.

When i asked for justification "no matter how expensive or how big your alloys are, as soon as you modify your car from standard, i.e. what it came with, you are putting yourself in the 'people who modify their cars' crowd".

Im sure you can work out for yourself what she meant, to me that is wrong, but to us, that is reality :(
 
its a bugger for 17 yr olds, I waited till I were 20 to get my licence:) I declared all mine, some of em weren't on there for the type of mod I've done:/ put your mum on the insurance, it should make it go down. I avoid compare sites, I go direct to a company...get a much better deal.
 
Mod your car, regardless of what you do and you will be seen as a higher risk by some companies. Why?? because owners who carry out mods make more claims than those who dont......Just like males make more claims than females.
 
Milby said:
how this that even realistic if my car is gunna be on 3rd party f+t anyway because they wont pay for my car anyway. :mad:
Click to expand...

Realistic????
Tell you what lets forget about the value of your car and instead lets assume, due to your relative lack of driving experience you roll it through a hedge into a field one rainy night.....As a result your best mate/g-friend who was sat next to you suffers brain damage, total paralysis and has to spend the rest of their life vegetating in a chair eating all their meals through a straw.

My questions to you would be..... A) Who would have to pay for the medical treatments and round the clock care he/she would need for the rest of their life?....and B) How much would it all cost?

Answers.....Your insurance company and £1M-£2M?.....maybe more?
 
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sledge said:
Realistic????
Tell you what lets forget about the value of your car and instead lets assume, due to your relative lack of driving experience you roll it through a hedge into a field one rainy night.....As a result your best mate/g-friend who was sat next to you suffers brain damage, total paralysis and has to spend the rest of their life vegetating in a chair eating all their meals through a straw.

My questions to you would be..... A) Who would have to pay for the medical treatments and round the clock care he/she would need for the rest of their life?....and B) How much would it all cost?

Answers.....Your insurance company and £1M-£2M?.....maybe more?
Click to expand...

About 5 years ago I did a stint in a care home (nursing care), just doing maintenence work in my spare time as a favour for a mate. Some of the residents were exactly as per your scenario.
Their costs? For round the clock nursing/medical care - £1500per week. And this situation can continue for many, many years - all paid for by insurance companies.
 
I've never declared alloys (cos most if not all the cars i bought had alloys listed as extras just not oem alloys)
If they cant see it i don't list it, all of my diesel's have been remapped but a proper remap that even the fiat techs cant pickup.
Some things you can justify but obvious stuff like body kits etc i'd be declaring them.
 
Most Easterly Pandas said:
I'm sorry but :ROFLMAO:

Fiat will be able to pick up a remap!
Click to expand...

How do you work that out?
We tested it and you cant, they change the parameters so unless someone is sat there with every single standard map for every load condition for that car it's untraceable also all evidence of access was deleted, so it just came up with that the ECU was refreshed at this date on the history, we are talking remap mind not brake the seal and start removing chips or bolting daft boxes on!
Even a fiat reflash of the ECU's "learn your driving type" didn't touch it.
 
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Having a certificated alarm system may also reduce your premiums. Wouldn't imagine by that much though ^_^ On third party, fire and theft it would certainly reduce the "Theft" aspect considerably.
 
the simple fact is that numptys who drive around in modified cars where they havnt declared the mods are in effect, uninsured. and unfortunately, its these numpties who have made insurance for mods expensive from crashes etc. the chavs do races/drive stupid and its made a simple cliche of mods = boy racer. if they had declared the mods, or didnt drive like tits and crash, we woudlnt have this problem. just one of them things.
 
GrandeGuy said:
they change the parameters so unless someone is sat there with every single standard map for every load condition for that car
Click to expand...
which is exactly what they will do if you ever make a big claim. To download your ECU contents to a laptop and run a file comparison with what it should be only takes a few minutes.
 
You can tell if a car has been remapped quite easily. Maybe not with some cheapo PC add on software but proper map/ diagnostic tools will be different. Not to mention the fact that many have built in security to stop people copying them. Its pretty obvious when you copy the map, try to put it back on the ECU and brick the car lol.
 
I sympathise with the OP, as car insurance is a massive rip off but its really not worth the hassle of trying to argue it out with the insurance company in the event of a claim.

I once attended an RTC where a young lad in a chav tastic modded saxo had put it on its side in a hedge after a bend. The accident was clearly driver error and luckily no one was hurt.
PNC showed the driver was the keeper but only a named driver on the insurance and he failed the attitude test in a big way, particularly as it was outside a primary school in the middle of the day.
Quick phonecall to the insurer, who were very interested about all the undeclared mods and they stated he wasnt covered so they wouldnt be paying out even though it was insured fully comp.

Not suggesting the OP is a bad driver (some young lads are better drivers than some older ones) but its a case of suffering the cost for a few years, it does come down after a few years
 
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