what about telling the insurance company?

I was wondering weather or not it was worth telling the insurance man about exhaust and wheel mods.... maybe i could say i bought the car like it was and play dumb to knowing what an aftermarket exhaust n set of rims looked like>>>>

 

tbh i would tell them.

 

thing is i use a crappy insurance company n i know they wont insure me if i mod coz i get such a good quote from them to begin with.

 

don't mod it then

if you have a crash they will use it to avoid paying up (big prob if there big compensation to pay)

 

Yep even having alloys without telling can make your insurance void

 

Don't play dumb at all. List everything that is not a factory fit on your car.

Otherwise you insurance now this minute is null & void

A lot of insurance co's won't penalise you for these type of mods

 

And playing dumb won't work either.

 

how green am i... can any1 reccomend a decent company to use if mine rejects the mods?? im 28 and have 6 yrs no claims. car is 2.0L mk3 gti 8v

 

Adrian Flux or HIC are good- there is a sticky on here with a list of insurance company's.

 

cheers grinogo

 

28 with 6 years no claims!...i'm 18 (just) with all mods declared(about a2 page list)on golf including engine and i've just had my renewal and its 629, FC. Thats with elephant.co.uk i know i'm a girl but that shouldnt make much difference. Surely yours cant be that bad.

 

lots of factors inc job / postcode - Insurance is just one big lottery

 

Sarah's right, Amen.

 

Sarah, which is that the GTI or the GTiR? You have those two cars with
policies and car ownership in YOUR name?!?!? No strange discounts for
having a doctor on it or any random exclusions? Limited to 1000miles?
Live somewhere very random?



TBH that sounds wrong. My first insurance was a tad under 800,
TPF&t for a std 1.2L Nova (when I was 18 to). Since then insurance
has only gone up. And you can only have 1 yrs NCB, if that...



Don't get me wrong, wow, good going for getting that price,
I just find it difficult to believe, whos it with? I might consider a
sex change if thats the only thing stopping me from getting that kinda
price!



Call me Davina

 

and oh yeah Declare everything. Otherwise insurance is pretty much worthless.

 

Nah thats for the Golf, i drive the pulsar 3rd party on my dads insurance - no insurance company will touch me on that.


It came down when i put my dad on it as a named driver, with me the policy holder (not sure why but elephant seems to do that) apart from that its fully comp, SDP not commuting and 10,000 miles.


And no i dont live somewhere random, i live in cheshire.

 

All sorted now... Adrian Flux to da rescue!! 552 fc and i can mod till my hearts content. Thanks 4 the advice

 

Fair call Sarah, just wondered. Its a still and amazing price, its very similar to what I paid last year and i'm 24! (1yrs NCB as last car stolen 3 yrs ago)



No commuting would help as well, i've always used cars for going to Uni/Work.

 

I do commute tho, just so happens i work in town and park in public car park so could just say i was shopping

 

with adrian flux i have restricted mileage of 5k a year, SDP & business use, 250 xs and loan car oh and NCD protctor. Ive been told Brentacre 0192650933 are good to enthuiasts as 2 employees are club GTI members so i will try them as u have a 14 day cancelation period with A.Flux.


cheers