hey,

just wondering, if NOT declared on insurance (please dont lecture me about everythin should be etc, i know that;))

would coilys be worse than just lowering springs? as springs are basically the same as standard, whereas coilys are totally different susp?

ta

To be fair to an insurance company your car is worth very very little.

If you bin it and they send an inspector out to look over the damage they aren't going to spend alot of time looking at it so probably won't notice the mods underneath. If they did spend heaps of time on the car it would probably cost the company more than the car is worth.

But obviously not declaring mods does make your insurance void.

Id say some black lowering springs would be best.

well tbh, they'l only ''investigate'' if theres a dispute as to what happened etc. i know a lot of people who've had cars inspeced etc and they're not really that bothered, if its jus your usual crash all they do is estimate the cost of fixing it, whether to write off or not, and tbh, the value of a polo against the cost of fixing it is likely to be written off, you just wont get your money back for mods, only the standard car as declared.

& yeah, black lowering springs, the stupid thing is people make everythin like bright red n yellow looool.

spray them black then, its not going to change the springs at all

I can't really see the chances of the insurance assessor not noticing the car has been lowered, whether it be coilovers or lowering springs..

They arn't stupid lol, if I were you I would declare everything, I'd rather get mugged off for insurance that actually works, rather than mugged off for £200 less, and risk not actually getting paid out and getting 6 points on my licsence..

It really really really isn't worth not declaring mods

I can't really see the chances of the insurance assessor not noticing the car has been lowered, whether it be coilovers or lowering springs..

They arn't stupid lol, if I were you I would declare everything, I'd rather get mugged off for insurance that actually works, rather than mugged off for £200 less, and risk not actually getting paid out and getting 6 points on my licsence..

It really really really isn't worth not declaring mods

Yeeess insurance assessors are stupid. It's the people in the offices that will try to sting you on paperwork rather than your car actually being modified.

Yeeess insurance assessors are stupid. It's the people in the offices that will try to sting you on paperwork rather than your car actually being modified.

Alright, it's your choice, but dont say people didn't ever warn you when you have to claim, and end up paying for it for the next few years..

However much you enjoy modifying cars, it isn't worth dodging insurance costs and voiding your policy for the sake of lowering the car.

Yeeess insurance assessors are stupid. It's the people in the offices that will try to sting you on paperwork rather than your car actually being modified.

Alright, it's your choice, but dont say people didn't ever warn you when you have to claim, and end up paying for it for the next few years..

However much you enjoy modifying cars, it isn't worth dodging insurance costs and voiding your policy for the sake of lowering the car.

He said in his first post he knows all that anyway. So its up to him if he's going to take the risk or not.

If you are tpft, there is a very very slim chance they'll come out to you anyway. I had a minor prang in my old CRX and that was obviously lowered with alloys, exhaust etc, they never came out.

My old saxo was lowered an sittin on the floor almost.

guy comes round, takes a look at the car an says 'wow, this looks fucked.. write off'

an he leaves.. sometimes we get lucky

OK, fine so they may not quibble about the value of a car, stack your car and chances are you'll get off scot free.

Bit short sighted to assume that'll mean you're ok.

What if you injure someone? Not whiplash and bad dreams, but properly injure someone so they can't work. If your insurance company are facing a huge payout then little technicalities like not declaring your mods are an easy way out of paying up.

Long and short is, lowering your car is lowering your car. Whether it's springs or hydraulics, declare it. Specialist insurers probably won't bump up your premium much, if at all. It's not worth the risk.

Edited 21 February, 201016 yr by Alex

id rather jus buy a bike, cars are a waste of time lmao

things like,

lights, they're oem parts,

others whcih are emarked etc should be okay.

okay i know lowering is changing a lot, and wheels etc, cosmetics should be okay tho yea?

x

things like,

lights, they're oem parts,

others whcih are emarked etc should be okay.

okay i know lowering is changing a lot, and wheels etc, cosmetics should be okay tho yea?

x

You should declare everything cosmetic or performance enhancing, lights included if they differ from factory specifications e.g. Clear lenses or "Crystal" type ones.

yeahhh, i might become an immigrant, they dont need insurance or a license n they're fine :)

If you're doing cosmetic stuff it makes the car more desirable to thieves (supposedly) hence it's a higher risk. Lowering your car, stripping it out, giving it more power or even fitting wider wheels are all increasing risk because you're likely to drive it harder if you've set it up that way.

My cars are insured with Brentacre (G40) and Adrian Flux (Passat) - neither of them increase the premium for cosmetic mods (including suspension) BUT you do still have to declare everything you do. Brentacre also have set power levels before they charge more so actually if you're just fitting an exhaust and air filter as long as it's declared they probably won't bump up costs much either. All they want to know is what they're insuring.

I mean painting your badges, fitting better headlight bulbs or changing brands of tyre probably won't get you stiffed but anything more than that should really be declared.

Basically there's just no point in lying to your insurance company, if they really decide to throw the book at you (which they're within their rights to do) then you won't have a leg to stand on.

I don't want to sound like the know it all old bloke here but it's just easier to stay legal I think. Yes there's every chance you'll never have a problem but personally I've pumped a lot of hard earned cash into my cars (Polo especially) and I'm not prepared to risk them.

Just my 2p...

Edited 21 February, 201016 yr by Alex

^^^^ Sensational Reply, My Mate Got Stung as he had not insured his wheels on his saxo.. so from seeing that i declared straight away.

whats the crack with police checking out car roadside?

most of the arguments here seem to be that if your car isn't worth much then who cares if insurance don't pay out. Well you're missing the point, if you crash into someone, even a small crash, chances are there'll be at least a grand of repairs (don't forget, assessors use dealer prices), probably whiplash claims, tons of paperwork fees etc... I'd imagine even the smallest claims amount to a fair few grand in total costs that someone is going to come looking for. Don't for a minute think that your insurance company wont try everything they can to get out of paying this, they are businesses trying to make money not some kind of charity for people in crashes.

Sure you "might" get away with it and plenty of people do, but you also might not, and as far as I'm concerned the consequences of not getting away with it outweigh the costs of just declaring your modifications. And it doesn't matter if it's some lowering springs or you've turned your car into a time travelling, amphibious, space ship, a modification is a modification and insurance companies are within their rights to invalidate your insurance no matter how big or small.

most of the arguments here seem to be that if your car isn't worth much then who cares if insurance don't pay out. Well you're missing the point, if you crash into someone, even a small crash, chances are there'll be at least a grand of repairs (don't forget, assessors use dealer prices), probably whiplash claims, tons of paperwork fees etc... I'd imagine even the smallest claims amount to a fair few grand in total costs that someone is going to come looking for. Don't for a minute think that your insurance company wont try everything they can to get out of paying this, they are businesses trying to make money not some kind of charity for people in crashes.

Sure you "might" get away with it and plenty of people do, but you also might not, and as far as I'm concerned the consequences of not getting away with it outweigh the costs of just declaring your modifications. And it doesn't matter if it's some lowering springs or you've turned your car into a time travelling, amphibious, space ship, a modification is a modification and insurance companies are within their rights to invalidate your insurance no matter how big or small.

Badabing badaboom.

In one.

Has anyone declared there mods to direct line? They don't have a option to declare them on there online quote form so i haven't been able to see how much change there is to my current premium?

Has anyone declared there mods to direct line? They don't have a option to declare them on there online quote form so i haven't been able to see how much change there is to my current premium?

I think its somehting stupid like having to be over 25 if you wish to modify!

Edited 10 March, 201016 yr by DubSingh-Dhali

damn it, i knew i should have insured my time travelling, amphibious, spaceship modification.