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Insurance and Modifications

nigel99

Well-known member
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16 Jul 2015
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What is the level of detail is required when declaring modifications to an Insurance provider?

Should I be informing them mid term if I have added PSE fitted or H&S Pipes?

What about adding grilles or changing adding a 911 decal? Should these be declared?

What impact will these have on the premium?
 
Tell them everything,,,,,,the 8a5tard5 will get out of paying if anything bad happened and it came to light that you had not declaired anything

I tell classicline everyting and it makes no as damm difference to the premium
#
Honesty is the best ploy every time
 
Exactly this ^.

Just tell them everything and you never have to worry about being exposed. With Manning it only takes an email and has never involved a premium adjustment (not that my mod list is long - Alcon disks, Pagid pads, SRF fluid, wider front tyres and a 4 litre RS clutch assembly).
 
Insurance companies rely upon "utmost good faith" Ie relying upon their customers to be honest and true and provide them with information to the best of their knowledge, however they do not assume that every customer is a Porsche officianado or mechanic and therefore there is a somewhat grey area as to what the average customer can reasonably be expected to know as standard fitment and what may have been fitted aftermarket.
Obviously if it can be proved unequivocally that something has been altered or modified during the period of your ownership then it's obvious that it must be declared, if it was a modification that is undetectable to the lay person but would alter the premium then it's a judgement call for you personally.
I think it depends greatly on your personal circumstances and Insurance company in question, some clearly accept modifications whilst many others decline to even offer a quote as soon as any modification is mentioned.
I always buy Insurance over the phone rather than online and provide fairly vague answers, such as "as far as I am aware" " it appears to be" etc all calls must be recorded and kept for 6 months for FCA compliance.
If their call taker has made a mistake then it's their problem, if you completed the online form then the fault or omission is all yours
 
The most likely response if your mod isn't for increasing performance is the premium won't change but they'll charge you a £30 admin fee for changing your policy (this how AIB treated my H&S pipes). You may save a few quid by telling them about a few mods all at once as they may not have the brass neck to charge you for each one :thumb:
 
The frequent response I've had is "does it effect horsepower?"

If not, declare it and usually free (I've tried the standard ones Aviva, Admiral etc.
 
I said mines got a big yellow sticker on ! They said that's ok :?: :mrgreen:
 
Rockunrolla said:
I said mines got a big yellow sticker on ! They said that's ok :?: :mrgreen:

If that's a wrap, then it looks lovely!

Think I remember a thread of yours a while back....?
 
I have never worried about cosmetics, but you would certainly want to declare anything that affects the performance, and which you might like to have reinstalled in the event of a claim, ie an upgraded PSE exhaust, new rims. I would also migrate to a specialist insurer which is mod friendly > the big volume outfits tend to charge just for thinking about it.
 
Ok, well I just contacted Admiral and gave them the full list all mods. Impact was £28.50! I hate dealing with Insurance companies and expected the worst but can't complain about this at all and now I can sleep like a log knowing that I am covered.
 
Hi Guys,

I'm looking to buy my first Porsche tomorrow if all goes well. I have contacted both admiral and classic line to get quotes. In the interest of comparison I said the car was stock except for an exhaust. Admiral is about £200 cheaper however they hinted that if the car has adjustable suspension that its 'high risk' and would need approval from the underwriters.

My question is does anyone have any experience in insuring a porsche with adjustable suspension with the above two insures? Reading the above post classic line seem to be ok with modifications however not sure if they would be ok with suspension mods.

Regards
 

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