do you have to declare mods to your car if its only insured third party ??


and what do you have to declare ??

3rd party or 3rd party F&T???

If F&T then definitely as any mods could make it more desirable.

In my experience id declare everything. Its simply not worth having a policy cancelled just when you need it 'cos of something you didnt disclose.

How do you know if a kit car has been modified. There is no such thing as a manufacturers std spec. So far when ive been getting quotes ive just been asked if it had major engine mods like turbo / supercharger etc. Even when i said it was 2 litre no-one has asked if it was single or twin cam or what kind of power its putting out. When i said it had rebuilt head with fast road cam they said thats not the kind of mod they are worried about.


If in doubt ask the broker - not all insurance companies need the same level of data off you.

All i was asked if my 2 litre was a N/A or turbo/supercharged. Not sure if they even asked if it was a bike engine, might try that one when i get my hands on a 2l bike V8

But i think Andrew is talking about standard cars here, not kit cars.

And yes it is best to declare everything that isnt standard otherwise they could invalidate (?) your policy when you claim.

im after tin top insuranc enot kit car

lookng at a different option

I would suggest you list all items that are optional extras and not standard, eg ,tow bar , traction control. I even listed my roof bars as they are from the car manufacturer and were on the car from new.
In fact to be on the safe side, anything that would cost you an arm and a leg to replace,and you don't think it standard, list it.
It may cost you a few quid extra on the policy, but hopefully may stop them squirming out of coughing up should the unthinkable happen.

Cheers

Dave

YES
They want to know anything thats not standard. Including alloy wheels if they are'nt the original factory fit.

doesnt matter what kind of car insurance - ANYTHING thats not standard needs to be declared - some policies even want to know if its the std stereo. The policy is priced on the replacement cost of the car , cost ot repair, and its nickability. If you have flash alloys, it adds to the nickability of the car and the replacment cost, hence the car will cost more to insure.

If you are a 17 year old i would try and keep it standard, cos if you crash, and at 17 thats possible, the ins co might go over it with a fine tooth comb, and if they find something you didnt tell them, then you have no car and a big bill from whoever you hit, and no ins co to pay out.

Mark allanson of this site might be able to give a good idea of how ins co behave.

atb

steve