How to insure a bi colour car?

[Helpwithinsurance]

Hi, I’ve just bought a fiat 500 is bi-colour (done at factory/manufacture optional extra).

I was wondering as it is a manufacture option do I need to declare it to insurance?

https://live.staticflickr.com/671/21508842630_5272...

[Scrump]

Tell the insurer it has factory options. Some insurers are interested, most are not and only interested in modifications after it has been delivered.
Does it have a special edition model name? If so that would cover things.

[miniman]

Well it’s black, isn’t it?

[Louis Balfour]

Helpwithinsurance said:

Hi, I’ve just bought a fiat 500 is bi-colour (done at factory/manufacture optional extra).

I was wondering as it is a manufacture option do I need to declare it to insurance?

https://live.staticflickr.com/671/21508842630_5272...

I have never been asked about factory options, only whether a car has been modified. I have always taken this to mean after it left the factory.

[Krikkit]

Louis Balfour said:

I have never been asked about factory options, only whether a car has been modified. I have always taken this to mean after it left the factory.

Exactly.

Give them the reg number, make sure it conforms to the edition you have, be happy.

[Ham_and_Jam]

It’s black.

[CRA1G]

The insurer will just take the details held on the DVLA database supplied by the manufacturer.... which will be a base colour.? No Drama no Fuss just very simple and straightforward.. End of.?

[Helpwithinsurance]

Thanks everyone, Admiral and a few other companies are asking about manufacture options which is confusing me. Im under 25 so quite limited with who I can go with.

[Shnozz]

I don’t ever remember being asked for the colour of any car I’ve insured.

[Bemmer]

Never mind the Colour...! I think more importantly you should be telling your insurance company it's LHD.....
[url]
|https://thumbsnap.com/4UprJHnm[/url]

[mike9009]

I wouldn't worry. The v5c has the colour on it. As long as that matches, then all okay.

I had a smart Roadster that was blue, but the v5c would describe it as black because the tridion was black. They all did this but never had any insurance problems or heard of any in the smart community.

Also my campervan is blue, but despite telling the DVLA three times they still have it listed as white. (Kept email communications and screenshots of it). Declared to insurance company, no issues raised. Just be open and honest.....and there shouldn't be issues.

[FourWheelDrift]

Ham_and_Jam said:

It’s black.

Black!

https://youtu.be/IIW9sL-Yf6Q?t=60

[67Dino]

Was wondering why this would matter…



What this appears to show is that drivers of yellow and green cars might be idiots, but unlike the ones in silver cars, you can see them coming and swerve. You can of course also see the red ones coming too, but they are such idiots, they still hit you.

[Pistonheader101]

black for sure

[FourWheelDrift]

67Dino said:

Was wondering why this would matter…



What this appears to show is that drivers of yellow and green cars might be idiots, but unlike the ones in silver cars, you can see them coming and swerve. You can of course also see the red ones coming too, but they are such idiots, they still hit you.

Is that just based on the fact there are more grey, silver, black and red cars on the road?

[67Dino]

FourWheelDrift said:

67Dino said:

Was wondering why this would matter…



What this appears to show is that drivers of yellow and green cars might be idiots, but unlike the ones in silver cars, you can see them coming and swerve. You can of course also see the red ones coming too, but they are such idiots, they still hit you.

Is that just based on the fact there are more grey, silver, black and red cars on the road?

I believe they’ve corrected for that. Found this paper for some later work that includes more info and the full details of the statistical approach…. https://www.academia.edu/56076315/Does_vehicle_col...