Modified offroader, what should I declare to the insurance co?

thethedev

I have a 1990 Suzuki SJ that I use for offroading, Im planning on a few modifications.
Should I declare it if I have a winch fitted or difflocks?
Thanks!:)

landydef

i declared most of my mods including my winch to fbd but they said they didnt effect anything! didnt declare my chip but probably should!

Deadly Dave

Defenatly declare all the mods. It probably wont change the price of your policy but if the company dont know about the mods then they might say its invalid. I have big tyres, body lift and bull bars on mine with no increase in the premium.

Rovi

Agreed, declare everything.
It probably won't alter the premium by much, unless you've got comprehensive insurance and are increasing the value of the vehicle significantly, but in the event that you're ever making a claim, a bunch of un-notified modifications may be a considerable hindrance to a satisfactory conclusion.

DirtyDiesels

id only declare what you have to - were getting rode left right and centre by biffo and the rest so get away with wat you can up to a certain extent is my motto.

DD

BeardyGit

DirtyDiesels wrote: »

id only declare what you have to - were getting rode left right and centre by biffo and the rest so get away with wat you can up to a certain extent is my motto.

DD

Your insurer requires that you declare ALL modifications. This has sweet feck all to do with the government. I can't understand why that's so difficult for some people to understand. Declare ALL modifications, not just a few, or run the risk of having your insurer sue you if they're forced to pay out a claim against your vehicle without having the mods declared. They'll have every right and the support of the courts in doing so. So leave the government out of it and try to apply some common fecking sense.

:rolleyes::mad:

DirtyDiesels

Gil_Dub wrote: »

Your insurer requires that you declare ALL modifications. This has sweet feck all to do with the government. I can't understand why that's so difficult for some people to understand. Declare ALL modifications, not just a few, or run the risk of having your insurer sue you if they're forced to pay out a claim against your vehicle without having the mods declared. They'll have every right and the support of the courts in doing so. So leave the government out of it and try to apply some common fecking sense.

:rolleyes::mad:

id expect that comin from Wicklow....dont mind Gil Dub, the government, insurance companies, tesco, there all out to ride the consumer, save what you can man and dont mind goody goody 2 shoes from wickla!!!!

Slidey

Cool your jets there horse.

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