Insurance

as300182 · Post by **as300182** » Wed Feb 26, 2003 11:36 pm

Get my new 206 CC any day now. Only problem is I won't get to drive it for a while as I'm having wheel arch extensions fitted and all the black stuff colour coded. Which leads me to my question..........does anyone know if doing all this has any effect on your insurance? i.e. Is one supposed to declare all this work as "customisation" when they as ask you, "Has the vehicle been modified?".

Alex LS · Post by **Alex LS** » Wed Feb 26, 2003 11:37 pm

Yes, you should declare it.
It may affect your premium depending on the insurer.

Derek · Post by **Derek** » Thu Feb 27, 2003 8:18 am

if you don't declare it and consequently make a claim, there is a very good chance that you may find your insurance will be void.

carl · Post by **carl** » Thu Feb 27, 2003 10:38 am

Hmm. If it's only colour-coded and wheel arch extensions, I'd be tempted to say it came like that. IMHO these insurance companies take the piss now -- I've heard people asking if they should declare different tyres and brake pads :rolleyes:

How many people with older cars (say >3 years old) do you think fit OEM brake pads and tyres :rolleyes:

Do you think I should declare the chrome hoops, or the headlamp protectors I fitted? :rolleyes:

Actually I've just remembered -- I sticky-fixered a poppy coral air freshener to the dashboard and haven't declared it to the insurers. :rolleyes:

PS: I assume you haven't really got a canary yellow 246 Dino? :eek:

Alex LS · Post by **Alex LS** » Thu Feb 27, 2003 10:49 am

If it's only colour-coded and wheel arch extensions, I'd be tempted to say it came like that.

Until the insurance check what's standard and then void your insurance for failing to declare a material fact.

Just because you declare something, it doesn't mean it will raise your premium. If you don't declare it, however, the insurance company is well within their rights to void your insurance and THAT will raise your premium.

carl · Post by **carl** » Thu Feb 27, 2003 12:43 pm

Yes, but where do you draw the line? For example, chrome hoops are in the interior -- you could argue they make the car more nickable, so declare them. But I'm sure people don't declare seat covers that they buy from Argos, so what's the difference? What would happen if you'd simply painted the existing hoops silver -- do you have to declare that?

IMHO there are just too many unknowns when it comes to insurance companies.

Serious question: do you know of anyone who's had their insurance voided for failing to declare mods? For example, I think the insurance company would be hard-pressed to claim that wheel arch extensions were a contributory factor in an accident.

gflumpfish · Post by **gflumpfish** » Thu Feb 27, 2003 2:16 pm

technically speaking, absolutely any modification - even a frikken air freshener, should be declared to your insurance company. but to be honest - unless u got a big nasty nos kit, a 5 grand bdy kit and batwings or sumthing, the mechanic at the garage aint gonna be bothered if u've done a bit of tinkering. but if u get some arsey old bloke who doesnt like you- hes in control mwahahhaha

gflumpfish · Post by **gflumpfish** » Thu Feb 27, 2003 2:17 pm

oh yeah and they cant do fook all about arch extensions - cos its a cost option from the manufacturer. if they dont insure those - they dont insure the car. ARF!

Alex LS · Post by **Alex LS** » Thu Feb 27, 2003 2:20 pm

Seat covers are not classed as a permanent modification. Neither are air fresheners. Hoops are.

If you painted the existing hoops silver - probably, yes.

Regarding the wheel arches and crashes, it's not that they'd cause an accident. The fact is that they are a modification to the bodywork of the car. This type of modification must be reported to the insurance company. If it's not, and the insco finds out about it, they will probably still pay up if it had nothing to do with the claim but then they will endorse your details with the information that you witheld material information. This could affect your premium not only with them, but with any other inscos as they all share information.

The safest course of action is to ring your insco and ask them what you need to report. If you don't need to report it, then don't. If you do, then do. No problem.

carl · Post by **carl** » Thu Feb 27, 2003 2:39 pm

If these rules were rigidly applied, Halfords would go out of business in a week. Gearknobs, steering wheels, wheel trims, etc.

I've been putting Esso and BP petrol in the CC, but the manual recommends Total. Do you think I should notify the insurers?

What pisses me off the most is that I've stumped up the money to buy the car, so I should be allowed to do what I want with it. OK, massive bodykits and NOS/Turbo installations I can understand, but some of the stuff mentioned on this thread is trivial shit.

PS: I'll let you all into a secret. I replaced the exhaust on our previous car (Saxo) with a Timax one from Kwik-Fit, coz the original was rusty, and didn't tell the insurance company

Alex LS · Post by **Alex LS** » Thu Feb 27, 2003 3:32 pm

If these rules were rigidly applied, Halfords would go out of business in a week. Gearknobs, steering wheels, wheel trims, etc.

Why? Nobody said you can't fit them and it's doubtful your premium would be affected.

I've been putting Esso and BP petrol in the CC, but the manual recommends Total. Do you think I should notify the insurers?

Nothing to do with the insurers. You may want to check whether Peugeot will invalidate your warranty though

What pisses me off the most is that I've stumped up the money to buy the car, so I should be allowed to do what I want with it.

You can.

OK, massive bodykits and NOS/Turbo installations I can understand, but some of the stuff mentioned on this thread is trivial s**t.

The question was asked. The question was answered. If people don't want a correct answer then they shouldn't ask the question.

PS: I'll let you all into a secret. I replaced the exhaust on our previous car (Saxo) with a Timax one from Kwik-Fit, coz the original was rusty, and didn't tell the insurance company

If the spec's the same, there's no need. If it's a performance mod, or you change the interior/exterior styling then there is a need.

Erm · Post by **Erm** » Thu Feb 27, 2003 3:51 pm

all you do is just phone up your insurance company and say i am thinking of fitting arch extensions, or chrome hoops or new alloys to my car...... what effect will that have on my insurance???

wait for the reply and if its no effect or summink like an extra 3 quid phone em back 3 days later and say ok i got wotever it was....add it to my policy

never say u;ve had it done already cause then u get yaself in a tight spot like derek

carl · Post by **carl** » Thu Feb 27, 2003 4:40 pm

What if you went to a Pug dealer and saw a CC on the forecourt with wheelarch extensions and said "I'll have that one"? We all know they're add-ons, but they're such pissy little things that the layman might not. Then they'd tell the insurance company the car was unmodified and potentially land themselves in the shite.

jim · Post by **jim** » Thu Feb 27, 2003 5:13 pm

Hmm similar to optional extras. I bought a 1.6 and got the alloys as an option, now should i declare that to my insurer?

Derek · Post by **Derek** » Thu Feb 27, 2003 5:26 pm