Insurance for A2 with modifications

[Pinkythelabrat]

A vague query so it's in general.

What do people do for insurance following modifications to the base car?

I ask because I had an insurance company refuse to cover me after I said I wasn't sure if my wife's Smart Fortwo had the original engine or if it had been replaced by a later fortwo engine (50bhp vs 56bhp). They cancelled my policy and were keeping 8 months of payments until I found out it was a rebuild of the engine only.

Reading the policy documents very carefully anything which alters the car in any way from standard must be declared - including interior changes like trim and small things like badges - crazy!

My question is what is the experience of forum members when approaching insurance companies?

I'd like to add leather seats and better shocks but previous experience has made me wary.




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[Pinkythelabrat]

Called my insurance today (Tesco) and I think the lady was rather bemused as I listed my proposed changes and asked for a quote on what it would do to my premium!
- replace cloth seats with heated leather
- 7J alloys instead of skinny 16inch
- remap engine (Depronman's map)
- and, most importantly, add A2OC badges!

And the reply... no charge!


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[Birchall]

Called my insurance today (Tesco) and I think the lady was rather bemused as I listed my proposed changes and asked for a quote on what it would do to my premium!
- replace cloth seats with heated leather
- 7J alloys instead of skinny 16inch
- remap engine (Depronman's map)
- and, most importantly, add A2OC badges!

And the reply... no charge!


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Hi,

That is why it is always worth declaring changes such as the remap, insurance companies can often be fine with changes like that and when you ever claim (hopefully NEVER) you are not them worried. Well worth it.

Steve B