Do Cosmetic Mods Affect Insurance?

[Mikeyazure]

As above, so if i add wheel spacers, stainless exhaust and some purely minor cosmetic Mods will this affect my policy?

any help would be welcome please.

[AliveBoy]

Yes it will, makes the car more desirable to steal... They won't put it up much though, my spoiler put the insurance up £7 a year

 

They like to reward people who declare mods

[Vlad]

spacers and exhaust will... cosmetic - depends on the company. Deffo declare them. Im with Sky Insurance and they don't charge for cosmetic changes but they still took a note of them at my request

[Mikeyazure]

ahh, cool .thanks for this chaps, just as i suspected.

[Tim BW]

And fine with our scheme

[Mikeyazure]

Thanks Tim, will try to remember you when my renew ell comes up in June!

[DAN@ADRIAN FLUX]

Hi,

When your policy is due for renewal please feel free to give us a try too if you like.

Regards,

Dan.

[RDON]

depends on your insurance company! I have declared all my mods internal, external and HFCs and not gone up! infact this year got insurance cheaper with admiral for £366 FC.

[Mikeyazure]

thanks all,

[Dynamic Turtle]

The colour of your socks affects your insurance premium things days. It really is a broken system.

[Kev]

Insurance companies are confusing. I'm with swift cover.

 

I asked about a aftermarket exhaust today. The response was "you can fit a aftermarket exhaust as long as it's road legal and doesn't increase the power of the car. We won't insure a car with a exhaust that increases the power of the car".

 

Not sure what to do now.

 

I'm pretty sure a cat back system on its own wouldn't increase the power of the car. Surely even with the exhaust the engine won't be producing more power than it did new 9 years ago?

[GIXXERUK]

Insurance companies are confusing. I'm with swift cover.

 

I asked about a aftermarket exhaust today. The response was "you can fit a aftermarket exhaust as long as it's road legal and doesn't increase the power of the car. We won't insure a car with a exhaust that increases the power of the car".

 

Not sure what to do now.

 

I'm pretty sure a cat back system on its own wouldn't increase the power of the car. Surely even with the exhaust the engine won't be producing more power than it did new 9 years ago?

 

The ecu will cancel out any gains unless you remap anyway

[Ekona]

How do they prove a power increase? Unless you're very silly, like taking your car to a dyno then posting it on the interweb, they'd need to prove it was adding power. Again, as long as you don't buy it from a place that advertises it as 'makes a billionty horsepower!', it's pretty much unprovable.

 

Go for it.

[Kev]

I'm going to double check tomo and get them to email me confirmation. I don't trust insurance companies and these were significantly cheaper than the brokers/companies mentioned on this forum. They're part of the axa group.