View Full Version : shall i declare my mods

09-03-2005, 17:38
i know i should but adrian flux want another 80 quid i already pay £2200 are they taking the piss or what shall i bother cos im skint?its only ss exhaust and a ktec induction kit

09-03-2005, 17:40
What mods? :D

09-03-2005, 17:44
that a serious what mods question or a i should act like i never knew

09-03-2005, 17:46
I declared my exhaust and filter this year, only went up a minimal amount

09-03-2005, 17:47
why they want 80 odd quid then thought they would say it will be nothing extra 80 includes there £15 adjustment fee when i was with hic i just wrote them a massive list on my nova gsi and they just said yea its fine no extra....

09-03-2005, 18:09
PAY IT....If you crash into something expensive and your insurance is void you are going to be in a world of shit. Take the I/K off btw it'll be loosing you power anyway!!

09-03-2005, 18:16
that a serious what mods question or a i should act like i never knew

Insurance companies are looking for any reason not to payout, if you don't declare effectively you are not insured. I pay £400 fully comp, however I am old and will be using viagra soon :shock: TBH thats high for 25 yrs of driving, its the 17-25yr olds that drive like twats that keep the premiums high :twisted: At least you have a trick motor and soon you'll be an old fart like me!!

09-03-2005, 18:32
my insurance is 2200 fc. im was 21 when i took it out with 2 yrs no claims and 8 points...when i originally got a quote hic told me 1500 which i thought was good then i got the car bout 2 months after quote then hic told me i had 2 be 25?????i was like wtf .......so i had no choice to go with next cheapest which was adrian flux at 2200..but if im honest im struggling to afford it..

09-03-2005, 18:46
I dont declare my mods as my car is standard :D

09-03-2005, 19:02
but shall i declare mine ?

Smokey McPot
09-03-2005, 19:22
yes, you'd be a twat not to.

09-03-2005, 19:27
Cams - no
Porting - no
F7R engine - no
Decat - no
IK - no
Brakes - no
Exhaust - yes
Body kit - yes
Different alloys - yes


09-03-2005, 21:51
You are asking us to condone playing russian roulette, if you want to take the risk take it, if anyone on this site tells you to, will they pay your fine or contribute to the years of compensation you have to pay out if it all goes tits up and you have a prang. Recently a father who had his sons Pug 205 GTI on his insurance has been ****ed over for life because he failed to notify the insurance company that the engine had been changed from a 1.6 GTI to a 1.9, it was involved in a fatality and guess what his insurance company sent round an inspector and bingo, his insurance was declared null and void. Would it not be more advisable to shop around for a different quote. I don't want to sound like a fuddy duddy but asking anyone to say go for it, when I suspect you already know the sensible thing to do is declare it!!

10-03-2005, 20:23
Id definately say declare as my insurance is coming up at the end of this month, i'm gonna declare lowered and exhaust but.....

what do people think to declaring the

williams wheels?
williams interior?
williams dials?

Should i not bother as there on other model clio's???


10-03-2005, 20:30
Danny, my understanding is that you only have to declare anything that alters the performance of the car ie chipping, loweringetc.. nothing you have mentioned there does anything other than altering the appearance of the vehicle.

10-03-2005, 20:43
cheers nick, thats what i was thinking plus none of it was aftermarket, it is fitted to a clio!

anyone got any other views on it?

10-03-2005, 21:24
Fitting a towbar to a car can invalidate your insurance. Anything that is not meant to be there will.

They dont ask does it have a toe bar fitted.

Very grey area insurance.

11-03-2005, 08:39
so if you were insuring mine what would you say, it is a williams replica, or it has williams parts?

I don't want them charging me williams insurance!!!

11-03-2005, 10:09
Ask them the cheapest way to insure it