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Discussion Starter · #1 ·
Hi

I've got a standard 9-5 2.3t SE estate, and I was wondering if insurance companies would have a field day with me if I
a) gave it a stage 2 upgrade
b) uprated the brakes (Standard sizes, just higher spec)
c) installed the Saab roadholding kit, or posssibly a Koni kit

Cheers

Nick
 

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If you don't declare your modifications then you are effectively driving without insurance. Any accidents you are involved in will make you personally liable for all expenses.
 

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If you don't declare your modifications then you are effectively driving without insurance. Any accidents you are involved in will make you personally liable for all expenses.
Kerm, wouldn't it be any accidents in which you were proven to be at fault? If someone rear ends me over here in the States, it is (99.999% of the time) not my fault. Whether I'm stock or cranked, their insurance company pays (minus my deductible).
 

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Chose your ins company wisely ;)

I went with Frizzells and when I discussed engine mods they said "we only need to know if you have changed the cubic capacity".....erm.....ok :cheesy:
 

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bobsaab said:
Kerm, wouldn't it be any accidents in which you were proven to be at fault? If someone rear ends me over here in the States, it is (99.999% of the time) not my fault. Whether I'm stock or cranked, their insurance company pays (minus my deductible).
I should have added the word YOUR before expenses. If you are uninsured in the UK you face points on your licence/a large fine or imprisonment. Even if you are not at fault, if you have no insurance you face prosecution. It cleary says on all UK policies failing to declare any engine/body or suspension modifications invalidates your insurance.
 

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Discussion Starter · #6 ·
Cheers. I'm well aware that a failure to declare will land me in hot poo, but how much more will they try to take off me if I do the mods and declare them?
 

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That varies enormously. Some companies refuse to touch modified cars, others work on a % increase in horsepower over standard, some specialise in modified cars. These "boy racer" mags like Max Power and Revs have comprehensive listings in the back of modified insurers.
 
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Chris

I was with Frizell but they have chaged their policy to NO mods they will cover from date of policy but no further mods !

Rob
 

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Can anyone insuring a modified 9-5 let me know what they are paying please?

My renewal was £400 with Frizzell, but I was concerened by Rob's comment so i went to Adrian Flux, and told them everything, all mods declared right down to the stainless steel battery cover and silicone vac ines, they quoted £508 (fully comp, protected NCB etc, slightly higher excess of £300 rather than £150)

Any thoughts?
Thanks Chris
 

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I'm paying £475 fully comp with Adrian Flux, full & protected no claims and quite old :D They were £50 cheaper than my renewal from Greenline.
 

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Thanks guys at least it will be properly covered! ;)
 

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Gotta ask seeing as i've never had a point on my licence....:cheesy: What do the codes SP30 & SP60 actually stand for?
 

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Speeding/Exceeding the speed limit (SP30)
Offence
Driving on a road exceeding the prescribed speed limit


Maximum penalty
Fine not exceeding Level 3 Endorsement with 3-6 penalty points Discretionary disqualification

SPCode Offence
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
 

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It would be a good idea to have an "anchored post" with peoples insurance company and price , car and any mods so we could all compare and hopefully save some bucks when insuring time comes around.

Something similar to the model information post and each person could edit when changing insurance :)
 

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Thedriver said:
It would be a good idea to have an "anchored post" with peoples insurance company and price , car and any mods so we could all compare and hopefully save some bucks when insuring time comes around.

Something similar to the model information post and each person could edit when changing insurance :)
With standard cars there are so many variables sometimes comparisons are meaning less but for modified cars several of us seem to have similar figues from Adrian Flux. In my case their nearest competitior was £779 :eek:

Mind you last year would have said Frizzells :confused:
 

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It could be added to the members modifications list on the 9-5 performance section. Only problem is quotes are given according to occupation/postcode, so may bear no relation to somebody elses quote. :(
 

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Kermit said:
It could be added to the members modifications list on the 9-5 performance section.
Thats a damn good idea my green friend ;)
 
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