insurance modifications
Turbo Mini Forums

i have a motor trade insurance policy and when i ring up to insure a new car they never ask about modifications so if they dont ask am i doing anything wrong if i dont tell them voluntarly (sp?)


i have jut insured my mk1 mr2 and hope to turbo it one day lol

no longer a series, but still 1.3 turbo.

I would personally ask wether or not they assume the car as standard ? ?

If they do, then if you ever came to claim for anything, and you do have Mods, it would invalidate the policy.

My 79 Clubman Build Thread - http://www.turbominis.co.uk/forums/index.php?p=vt&tid=451008

Jamie.

Fone your broker and ask.

turbo 16v k-series 11.9@118.9 :)

Denis O'Brien.

Always tell the insurer, in writing, of all your mods. That way they can never use this as an excuse to weasel out of a claim.

I've just insured a mini with a rake load of modifications total price including brokers £25 fee £121. Can't complain.

If something is worth doing, it's worth doing half of.

HIC

If something is worth doing, it's worth doing half of.

HIC=BACs wouldn't even entertain a car with a cage - this was the year they sponsored Ian Curley's Miglia and used it in all their ads

On 5th Sep, 2011 Vegard said:
I stand corrected. You should know

I'll have to bear that in mind when I put a cage in my other mini then.

A lot of it is down to which company they use I guess. I'm with connetix or something this year. Last year was highway.

If something is worth doing, it's worth doing half of.

My white 205 is insured with HIC, it has a cage which is declared and has been for the past 5 years.

Edited by Brett on 12th Jan, 2010.

Yes i moved to the darkside

Instagram @jdm_brett

Out of interest Tom whats the 205 cost to insure roughly?

If something is worth doing, it's worth doing half of.

Roughly £250/year I think.

I was insured no problems with a cage in my car with HIC. Thats strange.

The only reason I'm not now is because the cars on a layed up policy.

Not too bad really considering.

If something is worth doing, it's worth doing half of.

IIRC HIC would allow a cage but not n2o... Adrian Flux (which I believe is the same company) would allow both

same for me, full 6 pt cage with HIC, all declared and not an issue at all!

Mr. Prawn, the friendly Crustacean- slowly making steps towards forced induction.

when i had my traders policy, i did not have to declare any mods; the down side to this policy was the trade value applied to any claim

Try RH insurance. They do a lot of our club cars and, as an example, I pay £75 p.a. comprehensive, agreed value for a turbo A35 with different brakes, suspension etc etc etc