Declaring Modifications

Discussion in 'Ibiza Mk5' started by Jackcoatsey, Jan 4, 2018.

  1. Jackcoatsey

    Jackcoatsey New Member

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    So I’m looking to purchase the seat Ibiza FR 1.4 tsi ACT this month as a step up from my first car (mk2 fiat punto) I know it’s gonna be a pretty big jump from a 60bhp to a 140bhp car so for the first few month I won’t be doing anything apart from getting used to the car, however after that I want to start modifying my car. However I’m only 18 and insurance is bad enough my age without adding modifications, so does everyone here declare their mods or not? And what’s the risk of me not declaring and getting caught?


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  2. j.owen

    j.owen Full Member

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    I’d always use common sense in these scenarios. I have aesthetically modified my Cupra. I have declared them as it only cost me £80 so I went with it.

    If you’re doing engine modifications I would recommend declaring them for obvious reasons (you crash, they inspect, notice undeclared modification/s, don’t pay out, could also get done for driving without insurance). Not to mention checking with your dealer regarding warranty.

    However, stuff like window tints, wind deflectors, vinyl stickers etc you should technically declare them but I personally wouldn’t bother as its negligible.


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  3. Scrogg

    Scrogg An Englishman in Cornwall

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    The risk is very simple. All insurance companies are looking for reasons not to pay out in the event of a claim. Regardless of any anecdotal 'evidence' from anyone else, if you make a claim and your insurer inspects your car and discovers any undeclared modifications they will invalidate your cover and not pay out.
     
  4. Jackcoatsey

    Jackcoatsey New Member

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    You only pay £80 more? Well I’m that case I’d deffo declare was just expecting to be paying a lot tbh


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  5. Jackcoatsey

    Jackcoatsey New Member

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    Yeah mate just heard of some stupid mates who don’t declare, but if it’s not too much more to declare it’s definitely worth it because insurers love being in your pocket especially at my age, cheers man


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  6. Steve221

    Steve221 Workshy Fop.

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    Have you already bought one mate or have you seen one that you fancy?
     
  7. j.owen

    j.owen Full Member

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    Yeah that’s for splitter, side skirts and spoiler, only 21 at the time too


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  8. DAN@ADRIAN FLUX

    DAN@ADRIAN FLUX Full Member

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    Hi,
    If you take a chance and non disclose modifications your policy could be null void in the event of a claim. Whilst you might not be bothered about your property you would in theory be liable for any third party claim which could be absolutely anything!
    Younger drivers are in the spot light as it without risking having a policy voided.
    Regards,
    Dan.
     
  9. R3k1355

    R3k1355 Senior Member

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    Get your policy voided and there's bob all chance of being able to get a new one.

    If you're going to modify then declare the mods, if you can't afford then just save up till you can.
     
  10. Jackcoatsey

    Jackcoatsey New Member

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    Seen one I fancy and I’ve been looking far and wide for cars over the past couple of months, but the Ibiza packs the most power for money and insurance coverage, and in my opinion looks much smarter than the VW polo blueGT, got a quoits without a box at 18 with only a Years no claim bonus for £1300 which is nothing compared to what I’ve been quoted on other cars


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  11. Jackcoatsey

    Jackcoatsey New Member

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    Thanks Dan was just seeing if it was worth the extra money and by the sounds of it I’m deffo just gonna pay the extra bit


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  12. theoldboy

    theoldboy Senior Member

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    You should always declare your mods (Body and Drive Train) because as many have said when you have an accident they will be looking for a good reason to not pay out. I also this you are actually driving withouth insurance as you have broken the conditions.

    What you need to also do is speak with your insurance company and see how much they charge a) for the mod and b) for making a change. Some insurance companies allow you to update for free others charge you. It relevant if you are making many changes as it can add up after some time.

    Its also worth saving and looking around for modified car insurance (Adrian Flux were the best for me) so you get all the work done when you are re-newing the policy and you can then get all the mods done in one go.

    I am with ESURE at the moment (and they charge for each change) and they did not like me going stage two with all the engine/drivechange bush changes as the computer did not like to many changes. They were very happy with Spoiler, Side Skirts, Stage One Map but Stage 2 changes were to much for them.
     
    #12 theoldboy, Jan 9, 2018
    Last edited: Jan 9, 2018
  13. DAN@ADRIAN FLUX

    DAN@ADRIAN FLUX Full Member

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    Hi,
    If you do need any help with insurance then please feel free to drop me a line.
    Regards,
    Dan.
     
  14. Jackcoatsey

    Jackcoatsey New Member

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    Yeah thank you mate, not sure how they are with young drivers I haven’t looked at all just been on the comparing sites but I’ll have a look into it


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  15. Jackcoatsey

    Jackcoatsey New Member

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    Thank you, what is Adrian flux like with young drivers? And do they beat most companies on comparison sites?
    Jack


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  16. DAN@ADRIAN FLUX

    DAN@ADRIAN FLUX Full Member

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    Hi,
    Just to let you know that a number of specialist modified schemes aren't available on-line only in the call centre.
    Regards,
    Dan.
     
  17. Woksin

    Woksin Full Member

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    Hi!
    If you change anything that unnoticeable, ie, remapping. Then no, don’t tell them, they have no way of knowing without a painfully extensive post mortum on your crashed car.
    Visible modifications, then 100%. Insurance companies are businesses and WILL NOT pay out if you don’t disclose all the details. They make this very clear to you when you set up the insurance.
    Your risk is writing off your car. Unless you have enough money to cover all expenses without letting your insurance know.

    Also check the prices with insurance, some can go up by thousands at our age.
     
  18. tak-fr

    tak-fr Full Member

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    Regarding the window tints. My friend was getting his blackbox fitted and they noticed he did not declare the tints, refused to fit the box he either had to declare or remove them. (Decided to declare them)

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  19. theoldboy

    theoldboy Senior Member

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    I strongly disagree, if you want to mod your car inform your insurance company - Its illegal not to and you will be driving a car knowing you are not insured.

    If the car goes in for a service and is attached to VAG systems it will be marked as modified.

    I do however agree you should shop around on prices and do the mods when you are up for renewal as it will save you a little bit of cash.
     
  20. tak-fr

    tak-fr Full Member

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    Ive always wondered.. Do you declare powdercoated wheels or not as this is still tehnically a mod...

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