do i have to inform my insurance that i have put some decal vinyl stickers on my car ??



https://www.fiatforum.com/gallery/sho...ry.php?cat=600

More pictures of my black fiat punto on the link above.

i carnt see how it would affect it but im shure there is the option on insurance for decals

So you don't have to inform the Insurance company, No??

the odd small sticker here or there wouldn't normally be a problem but given what you've done i would suggest you let them know, you have put them all over the car which has cost implications if your car got damaged also makes it more attractive to thieves or vandals etc

so for the sake of it you should let them know.... also why have you turned your car into a free rolling advert for a rubbish drink?

Okay thanks, Any idea how much they'll charge on top this I am paying like five half hundred pound for the year works out a month £47 something.. lol

That's cheep im paying £330.00 per month for insurance! And it ain't even fully comp

Gaz999 said:

Okay thanks, Any idea how much they'll charge on top this I am paying like five half hundred pound for the year works out a month £47 something.. lol

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Just call your insurance company. Only they will know

When in doubt call them. Wishing you hadn't paid extra premium is a much better place than wishing you had. The best timing for mods is at renewal , they seem to be able to accept small things at no extra cost to hang on to business but during the year almost anything will invite thieves and raise accident risk because they have you over a barrel. Despite the whining of the industry the government here audited and found young male drivers to be the most profitable segment of motor insurance and ladies pay crazy money for shoes.

Normally it's only for performance or phsyical modifications. However, considering the amount of decals on your car i'd phone them to be sure. I would imagine there will be little or no charge, but those decals definately will bring more unwanted attention to your car by thieves/vandals as previously mentioned.

Or the insurers will see it as pre-vandalised, and therefore worth less?

I had no idea what the stuff was until I googled it.

cgarr04 said:

Normally it's only for performance or phsyical modifications.

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what's a physical modification if it's not something that exists

£11.90 a month so only £55 a month in total for TPFT!

Why does the OP need to ask the question?
NEVER mess about with insurance - most of them will use any excuse to avoid paying out so "saving" money by "forgetting" to tell them about EVERY mod including paint and stickers is common sense.
There is no point in insuring a car without giving the full story. The company can easily pull the plug when you need them and you are then an uninsured driver who can be treated as such by the law.

WhiteSei said:

Why does the OP need to ask the question?
NEVER mess about with insurance - most of them will use any excuse to avoid paying out so "saving" money by "forgetting" to tell them about EVERY mod including paint and stickers is common sense.
There is no point in insuring a car without giving the full story. The company can easily pull the plug when you need them and you are then an uninsured driver who can be treated as such by the law.

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Agree with WhiteSei. already answered above i feel, but the answer to the OP is "yes" you need to tell your insurers. Stickers applied to the inside of the car are fine, however the outside of the vehicle makes it stand out and more likely to be targeted by robbers. (So they say I'm sure a pink fully body wrap would put a few off though)

wilko1992 said:

That's cheep im paying £330.00 per month for insurance! And it ain't even fully comp

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And I thought mine was expensive....

I'm paying £230 for the whole year fully comp on a Sporting

iv had decals on my previous 2 cars and havnt had to inform the insurance because it doesnt affect the running of the car.

Krayon said:

iv had decals on my previous 2 cars and havnt had to inform the insurance because it doesnt affect the running of the car.

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And this is what your insurance company at the time told you and not some bloke down the pub I assume??

Most Easterly Pandas said:

And this is what your insurance company at the time told you and not some bloke down the pub I assume??

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yes my insurance company told me.

bloke down the pub? 1. im female and tend not to spend alot of time "down the pub"

Krayon said:

yes my insurance company told me.

bloke down the pub? 1. im female and tend not to spend alot of time "down the pub"

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Fair enough, but not all insurance companies are the same, so should mention it to them just incase as not all see just performance enhancing changes as mods.

AndyRKett said:

also why have you turned your car into a free rolling advert for a rubbish drink?

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LOL. I know a bloke who flatly refuses to buy/wear any clothes with a brand name showing - he says, clothing with a brand name/logo on the outside should be at least 50% cheaper than clothing that has no logo/branding showing OR the company should pay you to wear it.
With regards those decals, not only will they be a pita to remove, they will also leave very clear telltale marks as the sun will bleach the rest of the paint (and pollutants will also act) & dirt/grime will gather around the edges leaving even more evidence of where the decals were.