Retrofitting OEM upgrades and Insurance.

C

CompuTechish

Member
Could anyone share their experience on insuring a car after retrofitting OEM upgrades.

Did retrofitting make it harder to obtain insurance? Did some insurers outright refuse to insure the car due to the modifications? Did you need to start using providers that specialise in insuring modified vehicles?

Did it affect your premium? If so was it a major difference?
 
CompuTechish said:
Could anyone share their experience on insuring a car after retrofitting OEM upgrades.

Did retrofitting make it harder to obtain insurance? Did some insurers outright refuse to insure the car due to the modifications? Did you need to start using providers that specialise in insuring modified vehicles?

Did it affect your premium? If so was it a major difference?
Click to expand...
One of my cars is heavily modified (a8 winter wheels, lowered suspension, Votex kit, mfsw, rnse, heated leather etc etc) though much of it OEM. Admiral didn’t seem to give a monkeys. It was the same on their multi car Policy as another A2 I have. My 1.2 costs more (presumably because it was imported and is lhd) though I am an over 40 with 20 years + ncd
 
Pinkythelabrat said:
My car had leather heated seats and steering wheel added, TT alloys with bigger tyres, slightly lowered suspension and an engine remap. Didn’t affect my premium at all.

The thing they ummed and awwwed about was the A2OC sticker and number plate holder.


Sent from my iPhone using Tapatalk
Click to expand...
Really??? Lol
 
Pinkythelabrat said:
My car had leather heated seats and steering wheel added, TT alloys with bigger tyres, slightly lowered suspension and an engine remap. Didn’t affect my premium at all.

The thing they ummed and awwwed about was the A2OC sticker and number plate holder.


Sent from my iPhone using Tapatalk
Click to expand...
I don't know how's that possible, when I check how mods would effect my insurance, it feels a falling leaf on the hood would cause higher premium.
 
My car has many upgrades fitted mechanically and bodily
I insured it Through Adrian Flux who wanted photos of the car and a full list of all modifications
They then gave me an agreed value policy
 
"The thing they ummed and awwwed about was the A2OC sticker and number plate holder."

Many of the insurers are ridiculous. On a previous car they complained about a replacement stainless steel exhaust, said it should be original. What's the point of an original mild steel exhaust on a 1980s car (MK1 MR2)?
 
You must log in or register to reply here.
Back
Top