MK5 Golf GTI

All Things Mk5 => Mk5 General Area => Topic started by: gobbleplease on February 27, 2010, 08:18:23 pm

Title: Help ! What would you declare to the insurer
Post by: gobbleplease on February 27, 2010, 08:18:23 pm: All these parts will be fitted soon, which would you tell the insurance about. i have a pretty good idea myself but thought id see what you guys would do

MUST TELLS IMO

Re map
ITG
Exhaust
ARBs
Coilovers
BBK

NOT SURES

ED 30 front splitter
r32 rear lights
smoked side repeaters
black VW badges, red GTI badges - basically interior and exterior badges
lower engine mount
yellow fog light film
18" oem monzas (car supplied with 17"ers)
s3 Intercooler
WALK

So what do yous think, Cheers !
Title: Re: Help ! What would you declare to the insurer
Post by: SteveP on February 27, 2010, 08:21:02 pm: Personally I declare everything and I mean everything, especially stuff like the last three in your not sure list :smiley:
Title: Re: Help ! What would you declare to the insurer
Post by: KRL on February 27, 2010, 08:22:06 pm: Same here - absolutely everything declared.
Title: Re: Help ! What would you declare to the insurer
Post by: 182_blue on February 27, 2010, 08:22:41 pm: Its upto you but failure to declare even the smallest thing and they could declare your policy invalid, that said most of the items they wouldn't notice
Title: Re: Help ! What would you declare to the insurer
Post by: Greeners on February 27, 2010, 08:23:30 pm: YHPM! :wink:
Title: Re: Help ! What would you declare to the insurer
Post by: tony_danza on February 27, 2010, 08:26:50 pm: The only thing that's ever increased my premium is more power - all the extras made no difference.

list everything.
Title: Re: Help ! What would you declare to the insurer
Post by: gobbleplease on February 27, 2010, 08:33:39 pm: jesus didnt expect that, elephant usually charge about Â£50 an item aswell................. Gulp !

surely the red gti badges, climatronic surrounds ect wouldnt need to be declared ?, tbh, IMO if im declaring stick on badges i should tell them about my tax disc holder and airfreshner :confused:
Title: Re: Help ! What would you declare to the insurer
Post by: stealthwolf on February 27, 2010, 08:51:28 pm: I personally wouldn't bother about small cosmetic things like seat lever inserts, climatronic rings and thr like but anything more substantial like splitters etc I would.
Title: Re: Help ! What would you declare to the insurer
Post by: Hurdy on February 27, 2010, 09:53:32 pm: I have everything declared, down to the RS4 fuel limiter valve...and that looks identical to the standard one and NO-ONE would ever even think of looking at that, let alone an insurance assessor. :smiley:
Title: Re: Help ! What would you declare to the insurer
Post by: Andy on February 27, 2010, 10:01:17 pm: how will you feel if you don't declare some of your mods & if the unfortunate should happen and that some one prangs your car.The insurance guy says we have cancelled your insurance because of your mods you haven't declared.....
Title: Re: Help ! What would you declare to the insurer
Post by: Poverty on February 28, 2010, 12:11:58 am: Quote from: maxitrol on February 27, 2010, 10:01:17 pm
how will you feel if you don't declare some of your mods & if the unfortunate should happen and that some one prangs your car.The insurance guy says we have cancelled your insurance because of your mods you haven't declared.....
[/quote

if someone prangs HIS car his insurance company wouldnt really care less as its not costing them anything.
Title: Re: Help ! What would you declare to the insurer
Post by: golfman on February 28, 2010, 09:41:33 am: This is why i hate insurance they get money out of you every year(just incase you might have a bump)yet if you don't!! think about how much money they get from you for nothing if you never have a bump :stupid: :stupid:
don't get me wrong i know you need insurance but it's just so bloody frustrating handing out money for nothing!!
iv'e not declared my last set of mods like-reverse camera,gti rear valance,gt back box exhaust,18" scirocco alloys,xenons,headlight washers,auto levellers,changed the front grill to a different colour!!!
i just hate the fact that it's all original vw stuff that i have put on the car,yet they will wan't more money out of me :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015: :angry015:
RANT OVER!!!
thanks for listening :wink:

scott
Title: Re: Help ! What would you declare to the insurer
Post by: 182_blue on February 28, 2010, 09:43:27 am: Quote from: Poverty on February 28, 2010, 12:11:58 am
Quote from: maxitrol on February 27, 2010, 10:01:17 pm
how will you feel if you don't declare some of your mods & if the unfortunate should happen and that some one prangs your car.The insurance guy says we have cancelled your insurance because of your mods you haven't declared.....
[/quote

if someone prangs HIS car his insurance company wouldnt really care less as its not costing them anything.
They would if the other side didnt have insurance
Title: Re: Help ! What would you declare to the insurer
Post by: RedRobin on February 28, 2010, 10:00:31 am: As nearly everyone has already said in this thread: DECLARE EVERYTHING!

I even have my spare set of Monza rims on the list so it doesn't matter which are on the car. Declaring everything is particularly important if you have a policy which replaces like-for-like. No-one likes giving money for things like insurance and road-tax but we don't have a choice so it's best to work positively with it, pay it and forget it and have peace of mind.
Title: Re: Help ! What would you declare to the insurer
Post by: DanoGTI on February 28, 2010, 10:07:53 am: As echo'd - declare everything... simple.
Title: Re: Help ! What would you declare to the insurer
Post by: golfman on February 28, 2010, 10:31:03 am: Im looking to get a new insurer does anyone have any recomendations :confused:
trying to save some pennies :wink:

cheers

scott
Title: Re: Help ! What would you declare to the insurer
Post by: alex_chung on February 28, 2010, 12:05:35 pm: As everyone has said, declare everything. Its safer and less hassle that way.
Alex
Title: Re: Help ! What would you declare to the insurer
Post by: KRL on February 28, 2010, 12:33:16 pm: Quote from: golfman on February 28, 2010, 10:31:03 am
Im looking to get a new insurer does anyone have any recomendations :confused:
trying to save some pennies :wink:

cheers

scott

I found Chris Knott to be the best for me :happy2:

They have been very mod friendly as well and only increased my premium for the remap, my other mods are listed but made no difference to the premium.
Title: Re: Help ! What would you declare to the insurer
Post by: gobbleplease on February 28, 2010, 12:59:21 pm: in the middle of telling some knob in a call centre about my mods, whats are coilovers ? what is an anti lift kit ? "what kind of engine have you put in your car "? -" No not an engine its an engine mount " -" yes but is it a 3 liter or two liter " - "Its not an engine, its a F*ckin Mount" Agggggggggggggggggggggggggghhhhhhhhhhhhhhhhhhhhhhh..........
Title: Re: Help ! What would you declare to the insurer
Post by: gobbleplease on February 28, 2010, 01:02:44 pm: Finally an extra Â£69, thats not including the remap, intercooler or ITG, ill fit them after september now and look for a differant insurer.
Title: Re: Help ! What would you declare to the insurer
Post by: Poverty on February 28, 2010, 01:57:45 pm: Greenlight dont charge extra for a remap, danGB insures his BT leon with them for peanuts and his has pretty much everything done to it!
Title: Re: Help ! What would you declare to the insurer
Post by: chungster on February 28, 2010, 02:05:34 pm: Quote from: gobbleplease on February 28, 2010, 12:59:21 pm
in the middle of telling some knob in a call centre about my mods, whats are coilovers ? what is an anti lift kit ? "what kind of engine have you put in your car "? -" No not an engine its an engine mount " -" yes but is it a 3 liter or two liter " - "Its not an engine, its a F*ckin Mount" Agggggggggggggggggggggggggghhhhhhhhhhhhhhhhhhhhhhh..........

hence no point dealing with mainstream standard car insurers if you want to mod.

better to deal with people like Greenlight who at least knows what the mod is and how it affects the car and give you a premium that reflects the car!
Title: Re: Help ! What would you declare to the insurer
Post by: gobbleplease on February 28, 2010, 02:09:55 pm: yip, ill be changing in september
Title: Re: Help ! What would you declare to the insurer
Post by: Golfgirl on February 28, 2010, 04:57:54 pm: Declare everything, especially after broadcasting to the world on the internet what you're planning on putting on and not declaring!! :scared:
Title: Re: Help ! What would you declare to the insurer
Post by: RedRobin on February 28, 2010, 05:45:47 pm: Quote from: Poverty on February 28, 2010, 01:57:45 pm

Greenlight dont charge extra for a remap, danGB insures his BT leon with them for peanuts and his has pretty much everything done to it!

....Greenlight do charge according to what power your remap takes you to. I think it's worked out in increments of 10 bhp.
Title: Re: Help ! What would you declare to the insurer
Post by: gobbleplease on February 28, 2010, 06:03:36 pm: Quote from: Golfgirl on February 28, 2010, 04:57:54 pm
Declare everything, especially after broadcasting to the world on the internet what you're planning on putting on and not declaring!! :scared:

Ive declared everything, it cost me Â£69

I also never said that i would not declare the mods, i said i was un-sure wheather to or not !
Title: Re: Help ! What would you declare to the insurer
Post by: ollie288 on February 28, 2010, 07:54:36 pm: I believe you can change it now but you have to pay a cancelation fee for the remaining period. (At-least with Direct line anyway) :happy2:
Title: Re: Help ! What would you declare to the insurer
Post by: docker1996 on March 09, 2010, 11:31:31 pm: Everything - no question