Declaring extras when buying/renewing car insurance?

[tom6195]

Hey guys

Both of my vehicles are pretty high-spec and have a ton of extras but I haven't declared any of them with elephant. Apparently they require you to disclose them but as far as I'm concerned my extras form a part of their model from the factory (Giulietta Sportiva Nav and Tiguan R Line Nav).

Do I really need to call them and list each of the toys the cars has?

[tom6195]

Thing is I bought both cars used, the Alfa privately and the Tig from VW approved used. The Tig R Line comes with many things as standard, as does the Alfa G but I know the previous owner added carbon fibre spoiler and wing mirror caps additionally. I don't necessarily have the order sheets for both cars so I'm not in a position to roll of the "extras" if that makes sense.

Edited by tom6195 on Monday 24th October 14:40

[tom6195]

So I don't need to declare the bose sound system in the Alfa ?

[tom6195]

rampageturke said:

even if your reason for claim has nothing to do with the bose system, some insurers will try and wriggle their way out of anything

if its aftermarket, declare it and simply ask if factory fitted optional extras need to be declared (been with 4 different insurers in 3 years and neither asked for this, only aftermarket mods)

and STICKERS ARE IMPORTANT TO DECLARE MOST OF THE TIME

Lol no stickers to declare... Yet!

Seriously though the previous owner got the best model for his money when ordering the car, but nothing is aftermarket in that nothing has been added or retrofitted since rolling out of the factory.

I'll give them a call tonight and see what they say. If I need to cancel the cover, does this affect my credit or insurance records?

[tom6195]

Just running a fake quote on admiral and the exact question asked is Has your car been modified in any way? With the tooltip of "This is a cosmetic or performance change to the car away from the manufacturer's standard specification (including optional extras)."

[tom6195]

Ninja59 said:

The problem here is if you do not know then you do not know...ultimately it is to the "best of you knowledge", over the standard specifications and optional extras there are insurers like Admiral who do and ones that do not want optional extras listed.

Yeah you raise a valid point mate. Ultimately I cannot confirm what is non-standard when speaking of the variant of the vehicle.

[tom6195]

Adrian E said:

Admiral have previously insisted I list all the options specced on the family S5. Took bloody ages! I figure since its high spec it'll be in my favour if it gets stolen as I can insist on one of equally high spec when looking at replacements. Worthwhile when most are 'poverty' spec, but depends on the car's value as eventually it becomes just a pain if the car is only worth a few k

Gosh that sounds painful man, I really cba with doing that but I will give them a call and see what they say. Wish me luck!

[tom6195]

dacouch said:

If you used your real name and / or email address and / or reg plate, Admiral will cross reference the information you supplied on this quote against your existing date

Admiral are very very on the ball with regards techonology

Well I did put in my name or email but I did put the registration in order to reach this point.

I'm really uncertain as to whether I should declare my built in sat nav or just leave it and hope for the best.

[tom6195]

Ninja59 said:

From their policy booklet on definitions:

"Modifications - Any changes to your cars standard specification, including
accessories and additional parts; optional extras and after
market alterations; trade related changes and parts. These
include, but are not restricted to, cosmetic and/or performance
changes or changes related to your business or profession."

That's pretty clear to me, but BS nonetheless. So tempted to call and cancel today but not sure what the alternatives are.

[tom6195]

Ah man, just looking at esure, and they also want you to list all non-standard options even air con!