Declaring replacement exhaust tips to insurance as a mod?

[avaF1]

AndyNetwork said:

The way I see it, the Insurance company are the ones who are the experts - they are the ones taking on risk every day of the week, therefore it is up to them to know what a "standard" spec is - not the person seeking insurance. If the insurer is really that bothered about factory fit options, they should be prepared to contact the manufacturer to find out what spec the car left the factory with.

For instance, my car has optional Xenon headlamps - if it wasn't for the fact I am a petrol head, I would just see "yes, it's got head lamps, just like every other car has" wouldn't even cross my mind that they may not be "standard".

I think that's fine for factory options or extras.

The OP is referring to a part made by another manufacturer, so in the case of new exhaust tips, fitting a Powerflow or Magnex tail pipe to a Peugeot, for example... or a Remus exhaust tip on a BMW.

[Fleckers]

DaveCWK said:

A summary of what i'd bother declaring:

towbar - no

LV asked me if my car had any mods, i said no and then they saod does it have a towbar, it does not so I said NO but asked why, they said its classed as a modification to the vehicle

WTF !!!

I have not declared my none Nissan air in my tyres so just hope that they dont find out and void my insurance

[Clivey]

Dave_ST220 said:

Then you have things that you can't see like ECU chips etc

Indeed. Even with physical parts, most people wouldn't know what was standard. They just see "an engine", "an exhaust", "a spring" etc., never mind spotting an aftermarket induction kit or upgraded brakes. I actually know someone who bought a tuned car without knowing it (no, seriously! ).

[avaF1]

Clivey said:

Indeed. Even with physical parts, most people wouldn't know what was standard. They just see "an engine", "an exhaust", "a spring" etc., never mind spotting an aftermarket induction kit or upgraded brakes. I actually know someone who bought a tuned car without knowing it (no, seriously! ).

Easy to believe, if it was a remap, etc. there would be no way the 'average punter' could tell any different.

[jonah35]

Definitely yes. The fact we are having this discussion means tell them. Mid people say they wont be bothered then whats the point in NOT telling them.

As for the guy that wouldn't declare a lowered car or remap then I think its a bit daft.

[Clivey]

avaF1 said:

Easy to believe, if it was a remap, etc. there would be no way the 'average punter' could tell any different.

Exactly. The person I was referring to bought an Alfa GTV as a treat to themselves after the kids had left home without realising that it'd had quite substantial work done. They'd never had a "fast" car before (just run-of-the-mill 1.8 rep mobiles etc.) so just thought it was normal.