What counts as a modification?

Sheeps

What kind of modifications can be made to your car with out having to notify your insurance company? Would a non standard induction kit, exhaust, catalytic converter or torsion bars count?

projectgtr

Sheeps wrote: »

What kind of modifications can be made to your car with out having to notify your insurance company? Would a non standard induction kit, exhaust, catalytic converter or torsion bars count?

yes they all count, in theory anything non OEM is a modification and needs to be declared, the problem is very few companies accept mods

Technoprisoner

projectgtr wrote: »

yes they all count, in theory anything non OEM is a modification and needs to be declared, the problem is very few companies accept mods

now this is where i have a problem....what about non oem parts you buy in a motor factors to replace worn out or broken parts?

projectgtr

Technoprisoner wrote: »

now this is where i have a problem....what about non oem parts you buy in a motor factors to replace worn out or broken parts?

this is where i have a problem with both insurance and law id 70-80% of cars are not running OEM exhausts, they may be OEM spec but they are aftermarket imo, i think insurance companies need to be more upfront and fair when it comes to their policies and quotations concerning mods , its like they just use their magic calculator or just down right refuse :rolleyes: no wonder there are so many undeclared engine swaps in this country, they could actually make money if they done this right

Technoprisoner

projectgtr wrote: »

this is where i have a problem with both insurance and law id 70-80% of cars are not running OEM exhausts, they may be OEM spec but they are aftermarket imo, i think insurance companies need to be more upfront and fair when it comes to their policies and quotations concerning mods , its like they just use their magic calculator or just down right refuse :rolleyes: no wonder there are so many undeclared engine swaps in this country, they could actually make money if they done this right

my point is that these "modifications" are just replacement parts for the oem parts that have failed... i have a had this discussion with 2 garda that investigate road crashes...and they have said to me that lowered cars and even cars with coilovers are actually safer cars but the reason they are illegal is becaus ethe risk has changed for the insurance company...these modifications are not illegal but running them on your car without notifing you insurance is

projectgtr

Technoprisoner wrote: »

my point is that these "modifications" are just replacement parts for the oem parts that have failed... i have a had this discussion with 2 garda that investigate road crashes...and they have said to me that lowered cars and even cars with coilovers are actually safer cars but the reason they are illegal is becaus ethe risk has changed for the insurance company...these modifications are not illegal but running them on your car without notifing you insurance is

I understand , i know Gards with HIGHLY modifed motorbikes that regularly see in excess of 200kph, insurance companies heads are up their ass`s i upgraded my anti theft system to a high end clifford with kill switches, now with the same insurance company in the UK you get a discount over here nothing! as for running undeclared mods its rampant and allways will be untill insurance companies get their act together

Technoprisoner

projectgtr wrote: »

I understand , i know Gards with HIGHLY modifed motorbikes that regularly see in excess of 200kph, insurance companies heads are up their ass`s i upgraded my anti theft system to a high end clifford with kill switches, now with the same insurance company in the UK you get a discount over here nothing! as for running undeclared mods its rampant and allways will be untill insurance companies get their act together

agrred..the sooner we get insurance companys over here like the uk the better...i cant see why the likes of pace ward and keith michaels in the uk can not insure an irish car?

projectgtr

Technoprisoner wrote: »

agrred..the sooner we get insurance companys over here like the uk the better...i cant see why the likes of pace ward and keith michaels in the uk can not insure an irish car?

isnt there some irish legislation that makes it difficult like they have to have an irish office and have backing of a certain amount in comparison to the amount of customers??Must try read up on it again

Technoprisoner

yes but how many brokers out there are selling lyods of london insurance ect

Peavy

hmm what if the company accepts Engine mods for eg. Woudnt the insurance go up by a few hundreds ?
in this case what i would do is "lie" and hope you dont crash or keep mods away ;/ What about NCt ? dont they only check FACTORY made parts ?

Atomic Pineapple

Peavy wrote: »

hmm what if the company accepts Engine mods for eg. Woudnt the insurance go up by a few hundreds ?
in this case what i would do is "lie" and hope you dont crash or keep mods away ;/ What about NCt ? dont they only check FACTORY made parts ?

Posting stuff like that is not welcome in this forum. If your not mature enough to insure your car properly your not mature enough to be driving.

To state that you'd lie to save money is ridiculous.

The NCT check whatever parts are on the car.

projectgtr

draffodx wrote: »

Posting stuff like that is not welcome in this forum. If your not mature enough to insure your car properly your not mature enough to be driving.

To state that you'd lie to save money is ridiculous.

The NCT check whatever parts are on the car.

Some mods just will not be covered by some insurance companies or if you do get a quote it is astronomical and totally unfair, I can totally understand why people do not declare in cases of stroking say a B16 a person could be very tempted to do it and not declare due to the fact unless the engine is dismantled and measured for clearances no body will ever know.

Im all for declaring mods but insurance companies here are in the stone-age funny enough the same insurance companies are in the UK and have a better attitude to mods

mrsteacher

i am thinking about buying an audi a4, it has an Rs4 bumper and rs4 kit on it as well as dual exhausts, when Im looking for insurance do I tell them all of this? Im unsure as to what counts as a modification? any help or advice would be great, thanks

Atomic Pineapple

mrsteacher wrote: »

i am thinking about buying an audi a4, it has an Rs4 bumper and rs4 kit on it as well as dual exhausts, when Im looking for insurance do I tell them all of this? Im unsure as to what counts as a modification? any help or advice would be great, thanks

Yes, should be little to no increase if you stress to them that they are not performance mods.

chris139ryan

anything that isnt on the car as factory is a mod to insurance companys

doOh

When u even fart into induction filter, it counts as a mod lol

joebobalobo

My Insurance broker has just told me that changing the number of seats in a Transit minibus from 9 to 7 counts as a modifications and I would therefore not be covered under my policy..

"
Insurance companies will only cover standard Irish vehicles that have not been modified in any way. To remove these seats would be modifying the vehicle and we could not cover such a vehicle."

Sounds odd to me. Surely if I get my logbook updated as a 7 seater, i would be covered, as i am covered for 7 seater vehicles.. I thought modifications that insurance companies would be concerned with would be engine mods, alloys, bodykits and exhausts..

(Having trouble insuring a Transit minibus we bought to drive to the Euros in)

Justin10

I was getting a quote with Liberty, he asked was there any mods, I said has after market alloys then he stopped me and said, that is fine have you an induction kit or is it lowered, any performance mods.

Maybe it was just them, but exhaust, coilovers and induction kit will increase your premium, dont think the rest will.

JimmyCrackCorn

Thread is over a year old.