I only passed my test a couple of weeks ago and I am buying a 1.4L 1997 Polo. The only noticable mod is that the suspension has been lowered slightly. It hasn't been absolutley slammed - just a bit. Do I absolutley need to declare this on my insurance if I am 3rd Party Fire & Theft?

Also, the best quote I have had is around £200 per month with Quinn Direct. Should I keep shopping around to find a cheaper deal or just give up?

Thanks

I have the same car, mines slammed but i havnt declared anything at the moment, recently got a set of borbets aswell, tbh its your choice i didnt declare it because it was so much more expensive if i did, couldnt afford it would have put mine to over £200 a month

I've got a mk3 polo with 6n 16v alloys.. lowered 60mm all round and has a gt throttlebody/inlet in it. I personally haven't declaired it.. But that's just me.. I'm a lazy bastard.. it's not a money thing, would rather spend time playing with my car than phoning the insurance company :p

Is upto you though at the end of the day.. It's rare that the insurance company would come and look at your car in the case of an accident.. especially third party.. only trouble is if you hit someone and they told their insurance company that it was lowered and it got passed on to your insurance company, but let's be honest.. if someone hit you would you tell your insurance company all the modifications of the car that hit you?

I've got a mk3 polo with 6n 16v alloys.. lowered 60mm all round and has a gt throttlebody/inlet in it. I personally haven't declaired it.. But that's just me.. I'm a lazy bastard.. it's not a money thing, would rather spend time playing with my car than phoning the insurance company :p

Is upto you though at the end of the day.. It's rare that the insurance company would come and look at your car in the case of an accident.. especially third party.. only trouble is if you hit someone and they told their insurance company that it was lowered and it got passed on to your insurance company, but let's be honest.. if someone hit you would you tell your insurance company all the modifications of the car that hit you?

Thanks for the replies! The lowering isn't that noticeable and so I doubt it would be reported by the third party if I hit them! As for the price (£200 per month with Quinn) do you guys think it's worth shopping round or should I just take this one? Also, would they check if I set my Annual Mileage slightly lower?

Thanks

I'll be the first voice of reason in this thread and say that you should declare it! The cost of declaring it is nothing compared to what you'd face if your insurance company decided not to pay out (which they are entitled to do as your insurance is void). Just think of the whiplash compensation claims - do you want to be liable for that?

Yes they're probably unlikely to look that hard especially if just lowered a bit, but you really should declare anyway.

If you've just passed I'm guessing you're young - I've always found Elephant to be cheapest for me :) Oh and add your parents too, they knocked about £300 off my yearly premium with Elephant.

Edited 16 March, 201016 yr by Ray2k

Hi i have got a mk4 golf. Its got 18inch wheels n is on coilovers. A girl stupidly crashed into my car pushing it up on the kerb damaging the wheels and the coilovers. I hadnt declared the mods (mainly cuz I'm a cheapskate) But i said i bought the car like that and the wheels had VW in the middle...how was i supposed to know lol.

The car went into the garage n they told the insurance company it wasnt standard. It all got pretty messed up but the garage started doing the work to repair it when they shouldnt. So they repaired the standard bits with Admirals permission. But they said they would give me the money to buy standard wheels and standard springs. These would have apparently cost £1450 (nice surprise before christmas). So i bought new coilovers (£320) and didnt bother with the wheels as they were only kerbed.

Admiral did say cuz i hadnt declared the mods they would only give me the money n i'd have to sort out the repairs. I think i was pretty lucky really. But still i haven't declared the mods. And dont intend on it either. If they will keep paying out for standard bits then I'm prepared to take that risk!!

The cheapest quote I have had is from Quinn, TPFT at £2700. Is it worth shopping around or should I just give in and pay the ridiculous amount?

I work for a well known Insurance company and If you dont declare modifications they will void your insurance, leaving you with a totalled car and paying fr the 3rd parts car to get fixed.

The money spent declaring mods s nothing compared to the amount you would have to pay in personal injury and fixing the 3rd partys car.

Your a mug if you dont mate.

Just my opinion though.

just dont crash

You can't just do an insurance comparisaon based on age and car type, statistics of the area where you live are a big part of your insurance cost.

You cant just say "quinn quote me £200 a month, does this sound right?" unless your asking the person next door who ownes the same car, is the same age and has had their liscence as long as yours.

It may be true that some 17 year old youth has a cheaper car insurance quote than you, but if he lives in a nice area of buckinghamshire or something and you live in south Manchester (yes, my insurance is £1300 a month, on a 1.4 diesel, at 25) then that is what you get.

As for mods, if you dont declare they had either better be subtle, or you better be good at unmodding by the side of the road. The biggest threat you have will be personal injury claims if you hurt someone; you can probably get away with a few hundred quid for car repairs without getting insurance involved, but a few grand for broken bones/los of earnings etc and your pretty much fucked.

my insurance is £1300 a month, on a 1.4 diesel, at 25

From experience I can say do declare every mod.

Some kind person did this to a previous car of mine (not my fault)

This happened in 2000, the car was 3 years old and the insurance company refused to repair it because of "undisclosed modifications". In case you can't see the mod in the picture it's been remapped. Yes, they found that out.

Luckily I had declared it (as I alway have) and a couple of irrate telephone calls later the car got fully repaired. The total bill was over 7 grand. If I had been stupid enouigh not to declare I would have lost the car.

In short if you can't afford to insure the mod, don't do the mod - it doesn't need to be your fault to get found out!!

Edited 19 March, 201016 yr by mk4gtiturbo

my insurance is £1300 a month, on a 1.4 diesel, at 25

oops, I meant a year, sorry...

someone smashed into me the other day and my cars modified but cant remember if i declaired it or not. Is there any reason they wouldnt pay out as its going on the other lads insurance as he has taken full responsability

If the garage the car goes to start to do the repairs they have to complete them. Find a garage yourself. N sweet talk them into keepin the mods hush hush. This is what i would do but i know a lot of people who would do it for me.

**If you crash**

Leave it at the road side smashed up... phone pikey mates to come and nick it... and say to insurance company.. Ohh Nooezzz you cant find my performance zorsstt now can you!

If the garage the car goes to start to do the repairs they have to complete them. Find a garage yourself. N sweet talk them into keepin the mods hush hush. This is what i would do but i know a lot of people who would do it for me.

Butttt, none of the mods have been affected. So they wouldnt have any mods to keep 'hush hush' would they?