Let’s keep this on track folks, without any arguments starting [:)]
Depends if:
-
The 3rd party claim could have been affected by an undeclaired modified part (spinning in to on-coming traffic in a car with an undeclared turbo is an example I think we can agree on, but who can tell how the insurance company will link things up).
-
Any of the insurance companies feel like trying it on using their massive legal departments.
On insurance company once increased my insurance when I fitted bigger brakes. Then later increased it again when I returned them to standard because I’d “made them worse”. There is no logic, just cover your ■■■■ as bast you can.
Earlier talk of insurance companies frequenting car forums should be heeded, funnily enough we were just discussing a similar topic at work today.
Porsche driver without track cover binned his car at Knockhill on a Track Day, had it towed off and deposited elsewhere. Made a claim on the insurance to then have pointed out to him by the company photo’s on the same day of him going around the track on an enthusiasts site. Cue an in investigation and no payout 
Good rule of thumb, don’t say anything here you are not prepared to revisit later…
That is so far from the truth.
And you have your opinion on the subject as much as i have mine,and thats it be it wrong or not???
Think what so far has been suggested is dont try to mess with insurance companies because its simply not worth it if something does happen, despite not liking the way they operate and come to their conclusions?
I hope this sums it up 
interesting discussion though…
Wozboz
Have you met him personally, because if you have not you are entirely wrong.
People are just giving their opinions and just that. Its not a ‘have a go forum’
I admit that if I booboo and lose money on my car in claim than I only have myself to blame, nobody else. I let my insurance know of big changes to the engine, wheels I can get anywhere cheap and if I really get stuck I know all the places to go for replacement parts eg autolink, ebay etc. There is so much choice to be had. Each to their own.
Hi
Unfortunately, that is not what came across in your responses to others comments.
Regards
Alan
No, as I said previously I had great respect for the help and good advice given on the forum. I’m simply going by the empty and sarcastic repsonses to serious issues raised in this thread.
You appear to have missed the point completely. Frankly I couldn’t care less if you end up out of pocket because you choose not to declare mods.
What does concern me is someone getting their car written off or worse seriously injured and getting no compensation to help them through it because your insurance won’t pay out due to your quest to try and save a couple of pounds in case they put your premium up.
As such I think the act of doing it and even worse the act of encouraging others to do it reprehensible.
But as you say, each to their own.
…I just find it funny that we have lost the point of this whole thread,and i will hold my hands up for being childish,and i’m under attack???
But the point is WHAT IS THE THIN LINE BETWEEN WHAT YOU DO NEED TO DECLARE AND WHAT YOU DON’T NEED TO DECLARE???i thing it is clear
And i was not getting any answers but one from geoff about wheel changing,every one else was just saying everything,and my reply was no way do you need to declare everything.
better headlight bulbs…yes…no
Chrome strip down the side of a Mk 1,or strips over the car…yes… no
Clear bumper indicators…yes…no
Mk 1 flash to pass mod…yes…no
nose cone mouth grill…yes…no
Mk 2 damper set up on a Mk 1…yes…no
Low pro headlght units on a Mk 1…yes…no
Two tone point job on geoffs car…yes…no
Turbo…for sure
Supercharging…for sure
Lowwering…for sure
over size wheels…for sure
Side skirts,lip spoilers,boot spoilers.front fog lamps,lights left on alarm,chrome washer jets,gas bonnet struts,…AND SO ON,AND ON,AND ON
Some you do and some you just do not need to???SO WHERE IS THE LINE???THATS THE POINT,LETS HOPE THATS NOW CLEAR???
how low down have i gone now???/
Kind regards
Here’s a whacky idea, why not declare everything and let the insurance company decide.
Maybe I
could change the question to when do you declare mods.
Do you
inform your insurance company you have fitted clear indicator before
you move the car.
Or do
you just inform them of all the mods including the new ones that year
when you are talking to them anyway at renewal.
As for
me, well at the moment my car is standard. I have even put the
original orange indicators back on.
No one seems to have taken note of my earlier comment…why not just ring the insurer and ask. I can only presume that those who are protesting are afraid to get the truth from the insurer.If you do as they say, document it and keep records of the conversations you will be fine. As far as Waynes list is concerned, do like the Captain. you just compiled a list, published it on a public forum so why not send the insurers a copy, same goes for Tracey. And yes, I did tell my insurers when I changed from "14 to "15 wheels, and when I installed my roll bar. Most surely when I changed the colour scheme…you also need to tell the guys at the Cardiff office if you lot do that. They also know about my racing beat front and my very expensive dial set, and I told them that I have a TomTom in the car when I’m travelling…OK what was the extra charge?..Nothing. Declare the lot, send them a pic if you like and then we can put an end to this thread—
ANSWERS
Thank you geoff…it will be done,but calm down,you now what the doctors said???
I said:
Then you said:
When I thought I had answered your issue fully :shrug:
Those who have met you in real life seem to really like you. Maybe you could review the way you represent yourself and your business on this forum and ensure you align your content and tone with the image you’d like to project.
Also, try fixing your “?” key. Just once is enough.
WIM have a cast iron reputation on this forum, based on informative professional posts and enthusisatic feedback. With a PR head on you could do your business the world of good on here, because you have the enthusiastic feedback already.
Sorry cpt
No harm was ment,you were telling me about your wheel changes,and with it being track use and mine road use i asumed there would be a differance,but this was not just about my own Mx/roadsters but a genuine interest on what needed to be and what did not have to be,because to be truthful they will not need to know about everything,i will send a full list for my Mk 1 and Mk 2 to see what they really need to know,it was never a case of hiding anything from them which owners assumed.
I am what i am,and hopefully straight talking,i also know that i am very opinionated,i’m sorry i can not change that and will not, because thats me,my eyes and hears are always open to listen and learn new ideas,you basing your opinion of me on one thread???maybe one day i will meet more of you at the rally’s and then you can judge for yourself.
It’s fine i choose do do it.
Let me make this clear i am not on here for any work,but to help and share what i know and have learnt to other owners only,i suppose thats wrong also???
As i’m sure that you could blow my mind on the track side of things with your knowledge,which i would love to get deeper with you on this supject because i know little about the whole thing.
Can we please just drop this now because the answers i seek personally will only come from my insurance Co now and not from here,which to be honest i find a bit of a let down,if you need to say any more on this matter please P.M me.
Kind regards
I’m not sure why you find it a “bit of a let down” Wayne. This is an MX5 forum, not car insurance 101. Anything, that anybody says, on here can only be a personal opinion. As far as I know, nobody who has posted is a car insurance broker, so anything offered is from an amateur point of view. I’m really glad that you are going to give the list to your insurers, maybe you can persuade Tracey to do the same thing. The fewer potentially uninsured cars on the road the better—
Agree with Geoff, call your Insurer and ask, that is the only way.
As a car insurance broker each insurers terms are different, some insurers ask if you have any stickers on your car, others dont…
Some only want to know about performance enhancing mods, others dont…
Call your insurer and go through everything to be safe.
This was a previous post of mine last year. I thought it relevant to this discussion:
I’ve just insured my Ford Focus and my MX-5 Mk2.5 Sport with Admiral Multicar and to my suprise and horror they even class MUDFLAPS and a CHILD SEAT as modifications and increased my premium accordingly.
To make matters worse they will only insure notified manufactures accesories which they call “Optional Extra’s” not aftermarket ones which they call “Non-Standard Parts” so my Mudflaps are covered but the Child Seat is not even though I’m paying an extra premium for both.
They justify it by saying that ANY modifications over the Standard Factory released Spec make the car more desirable to nick and therefore a greater risk.
They are still cheaper than my previous insurer (LV) who wouldn’t give NCB on two cars.
Don’t know what other companies class as modifications but Admiral seem pretty strict on anything and as they have a section which clearly states Modifications on the Insurance Schedule you can’t really ignore them due to the risk of invalidating your policy.
Bah! Watch’em!
Out of interest, I have just insured an MX-5 this morning - I rang round and got a few quotes earlier in the week from the usual people - went back today to organise the insurance and said that since my initial call I had discovered that the car did in fact have aftermarket alloys and an aftermarket stereo, suggesting that these didn’t add to the value of the car at all and were of the same spec as original - it did make a difference to the policy - around £30 - 50 extra, plus the XS went up from £250 to £600 on one quote !! so it DOES make a difference, and because it makes a difference, this is a perfect loophole for the insurance company to say " sorry, you didn’t disclose the full facts, here’s your premium back you are on your own " … It does happen, a friend of mine had his house burgled, they stole his new Audi, and a quadbike in a trailer and his trial bike - although he had full cover, the insurance company found out he had been burgled a few years earlier ( at another address ) and just returned his policy and refused to cover him as he had not disclosed the information on the proposal
Best safe than sorry - else what’s the point taking out insurance anyway if it’s not going to be valid ? Don’t give them a get out of jail free card, and as someone has said, not so bad if it’s just your car that gets stolen, but what if you hit someone else and personal injury is involved - could be paying for that the rest of your life ?
Spokey
I think this conversation is very interesting actually, and it is a massive concern.
Insurance premiums are the bain of everyones life and I totally agree there is a thin line.
Its easy to say you should do this and you should do that but everyone here is human and the questions raised are of great seriousness!
I recently was thinking about having remote start fitted, I believe a lot of insurers are funny about it having engine cut off etc, but I phoned my insurer and there would be no change in premium at all, which I was surprised about. I chose not to go ahead anyway but cerainly something to consider when thinking about what to and what not to insure.