I head rumour that putting stripes on the car will increase insurance (obviously)

[Orgazmo]

I head rumour that putting stripes on the car will increase insurance (obviously) but i heard that anything on the windows wont affect the insurance, ie window tinting and decals on the side

also a totally different question, if i had an accident and my insurance company says that they dont have to pay out as the car is modified and they werent notified, what would happen, would i have to pay the other cars damage if it was my fault out of my own money


all replies are appreciated

 

[usetherudders]

I head rumour that putting stripes on the car will increase insurance (obviously) but i heard that anything on the windows wont affect the insurance, ie window tinting and decals on the side

also a totally different question, if i had an accident and my insurance company says that they dont have to pay out as the car is modified and they werent notified, what would happen, would i have to pay the other cars damage if it was my fault out of my own money


all replies are appreciated

Anything non standard or manufactors options need to be notified to your insurer basically you need to cover yourself and be honest to your insurer. You don't want to be in a situation where you haven't declared tinted windows and the insurer will only pay for standard glass as an example, same for alloy wheels etc.

With regards to your second point your insurer may refuse to indemnify you ie pay your repairs but they are obliged under the Road Traffic Act to provide liability to third parties.
In worst case scenerios if fraud or deception can be proved then the insurer may look to cancel your policy and look to recover any TP payments from you.
I would doubt any insurer would do this for non declared tinted windows or air filters as an example though.

Thats a basic to the point answer for you, hope it helps.

Regards

 

[Orgazmo]

i wouldnt actually be buying tinted glass, only tinted film over the original glass, so if worse comes to worse and they only pay for standard windows then im fine with that

im third party fire and theft anyway they wouldnt pay for my damage

so would they pay out if i put striples on the front bonnet roof and back and didnt tell them? obviously you cant say for definite but has anyone had any experiance with this sort of thing?

 

[a1job7]

The honest answer is give them a ring and see what they say.

The likes of Admiral and Direct Line would probably class it as a cosmetic change and let it go as its not changing the car's value or appeal to thieves.

Little mods like manufacture own alloys or turbo chargers which were bought as an option to the standard model need to be declared as it is above the standard spec of the model.
But if the model comes with them as standard and isn't an option then you don't need to declare them as you couldn't buy the car with them.

I.e I have an GP Active and declared the alloys as it comes with steelies but if I had bought the GP sport active it comes with alloys as standard so wouldn't need to declare.

You say your TPFT. You wouldn't get a penny for your car if you crashed into someone so is it worth spending the money on the vinyl stripes?
If you don't declare them or at least tell them about it then they can refuse to pay out if it gets nicked or torched.

 

[sledge]

Insurance companies base risks and premiums on statistics. Statisticaly people who carry out mods make more claims than those who dont, therefore if you carry out a mod that an insurance company sees as significant you in turn will be seen as a higher risk and will be asked to pay more for cover.

Different companies have diffent T&Cs and the best course of action is to discuss it with your own insurer rather than listening to rumours.

 

[Captain Mike]

I heard rumours putting stripes on your car will increase the cars power......

 

[volxstu]

I wouldnnt personally declare stripes lol, and i doubt that they will do much to your premium though TBH.
Window tints on the other hand actually put my insurance up more than an Aftermarket exhaust and Induction kit collectively.

What i did was declare the zorst and and Induction and then say how much would it be to put tints on the premium. They said something like £50. I told them i wasnt paying that so dont put it on. I left it quite open to interpretation as to if they were actually on the car or not so they ended up puting them on my policy for free because i told them to come out and inspect the car which they obviously cba to do over a couple of £ for tints

 

[Orgazmo]

the only problem is that im 17 and classed as a high risk already, so that would probably mean that if i mod anything on the outside of the car my premiums will go up

I heard rumours putting stripes on your car will increase the cars power......

your really funny im doing it to makemy car different from other peoples, you may say that every modded car has stripes, but i havent seen a seicento in my area with any hence why i want to do it

 

[SeanW]

Cover the car in pink unicorn stickers, that's different!!

 

[PlopHole]

the only problem is that im 17 and classed as a high risk already, so that would probably mean that if i mod anything on the outside of the car my premiums will go up

Some companies don't insure young drivers with modified vehicles anyway. Not sure if a small cosmetic change like that is classed as a modification though, can anybody fill me in?

 

[maddogmorg]

It's silly really, i mean what if you change the brake pads to that of a different manufacturer than originally fitted then you might stop quicker, is that a modification? What if you have crap headlights so set up relays to allow a better source of power at the headlights. what if you stick a 'go faster teddy' on the dash?

difficult to say where you draw the line, also what about fiat 500s and other modern fiats with stickers that are optional, stripes and such like.

it's a minefield!

there are obvious examples you should declare, such as engine and suspension, but some modifications. aren't so clear cut.

 

[PlopHole]

it's a minefield!

there are obvious examples you should declare, such as engine and suspension, but some modifications. aren't so clear cut.

Yep, I agree. When I was with direct line I told them I had changed the headlight bulbs to a brighter variant and they agreed that it was part of a safety upgrade. Didn't bring premium down or increase it though.

 

[Most Easterly Pandas]

im third party fire and theft anyway they wouldnt pay for my damage

But would if car was stolen or cought fire

 

[volxstu]

But would if car was stolen or cought fire

Dependant on, driver age, excess and value of car its probably not worth claiming for theft.

 

[A G07LAY]

A friend of mine is with Churchill, and hes got a Black GP with alloys. And they put the price up with it. However with the stripes, churchill said because the stripes can be bought from fiat and are standard to some versions of the Gp it wont effect the price, simply cause its a standard mod to the car.

hope this helps

 

[Ziggy122]

If You want Something that is Cool and Modern
Then most Insure's Will allow people now to Put DRL's on there car for free
As it actually reduces the chance of an accident (supposedly)

I know Churchill Will - Just Got to let them know when i do finally put them on lol

|Ziggy|

 

[Caravadossi]

I head rumour that putting stripes ... decals on ...

I’d argue it depends on what the stripe/decal implies. Does it make the car (&/or contents) more attractive to a villain? For example, will `Toyo tyres’ advertised on the front wings be viewed by Robin Hoodie as an `invitation to treat’? … or `Abarth’ stripes be a magnet to Johnny Joyride?

Can it be argued that anyone who displays a `show-pony’ rig implies they’re someone prepared to throw money at it - & therefore risk the possible consequences? Smart Car Ins Co will know well the statistical data for Badlands Estate – can arguing you’re `on-side’ with the black-hoods reduce your insurance costs?

Mostly it’s common-sense. Can you buy a £500 banger, & insure it for that value – then add £2.5K of bling, & then expect the InsCo to pay-out £3K when you have a `disappointing incident’?

Regarding a pay-out – I believe it’s based on what the InsCo view as `reasonable.’ So they may (or not) put-up for something that’s not been declared but reasonably close to spec. But don’t expect to recover the cost of your Martin-Baker ejection seat ... even if it was out of a FIAT G-91 or F-104.

On this last note – can folks provide any examples where they’ve recovered the cost of their un-declared items? (e.g. alloys against steel rims).

 

[A G07LAY]

Robin Hoodie and Johnny Joyride! LMFAO

 

[sludgeguts]

i wouldnt actually be buying tinted glass, only tinted film over the original glass, ?

Careful with that, many modern cars already have faint tints so if you add what you consider to be a legal tint, this will end up darker on an already tinted glass.

I heard rumours putting stripes on your car will increase the cars power......

Only if applied longitudinally (lengthways). I put one of those huge racing stripes on my old metro - nobody explained the stripe had to go over the bonnet & roof & tailgate, I stuck mine over the two back doors & roof. it created so much drag I could barely get the car moving.

 

[sludgeguts]

I’d argue it depends on what the stripe/decal implies. Does it make the car (&/or contents) more attractive to a villain? For example, will `Toyo tyres’ advertised on the front wings be viewed by Robin Hoodie as an `invitation to treat’? … or `Abarth’ stripes be a magnet to Johnny Joyride?

Can it be argued that anyone who displays a `show-pony’ rig implies they’re someone prepared to throw money at it - & therefore risk the possible consequences? Smart Car Ins Co will know well the statistical data for Badlands Estate – can arguing you’re `on-side’ with the black-hoods reduce your insurance costs?

Mostly it’s common-sense. Can you buy a £500 banger, & insure it for that value – then add £2.5K of bling, & then expect the InsCo to pay-out £3K when you have a `disappointing incident’?

Regarding a pay-out – I believe it’s based on what the InsCo view as `reasonable.’ So they may (or not) put-up for something that’s not been declared but reasonably close to spec. But don’t expect to recover the cost of your Martin-Baker ejection seat ... even if it was out of a FIAT G-91 or F-104.

On this last note – can folks provide any examples where they’ve recovered the cost of their un-declared items? (e.g. alloys against steel rims).

I often struggle to wonder at this. people buy a £50 scrapper & add a £5k ice and spend yet more money plastering the car with adverts for all the tasty bits & bobs they have added.
Why not buy a dirty great big neon arrow saying "have a gander at this little lot".
It takes less than a second to get into a car & mere moments to rip out a lifetime's work.