Insurance question - Respray

[Eibson]

Hey guys and gals,

Ive got a question i've not been able to find the answer to online with a few searches. When my insurance runs out, I am debaiting getting my car resprayed from its factory colour to a matte dark green. Obviously this will be on the V5C with the colour change, whrn i go to get insurance after the respray it will be down as a green car. Would I need to declare this as a modification as its now the colour of the car and not a temporary wrap.

Sorry if this is a stupid question but just wondering if it would affect the price or if I am fine not to mention it as its the colour of the car.

Thanks to anyone who helps or calls me out for being a nugget👍

[SS2.]

Have you asked your insurer ?

[Olivergt]

When you re-insure your car, I would just check that the policy has the correct colour in the car details.

This may be just a timing issue between notifying DVLA and getting insurance, the insurance co will simply type in the car reg which should pull up all the correct details.

[Eibson]

SS2. said:

Have you asked your insurer ?

I've not been able to get ahold of anyone with long wait queues during my breaks at work

[randlemarcus]

I think most insurers would class a DVLA colour change as a modification, one that they do need to be informed of. I would also assume that a change to matte green would raise red flags for most, fairly, or unfairly.

[Eibson]

Olivergt said:

When you re-insure your car, I would just check that the policy has the correct colour in the car details.

This may be just a timing issue between notifying DVLA and getting insurance, the insurance co will simply type in the car reg which should pull up all the correct details.

So I should be fine aslong as I double check with my insurer at the time i am re-newing that it is now green? I will try and contact them but just wanting to know if i need to save move for the payment

[Eibson]

randlemarcus said:

I think most insurers would class a DVLA colour change as a modification, one that they do need to be informed of. I would also assume that a change to matte green would raise red flags for most, fairly, or unfairly.

I'm guessing since its matte it may be classed a specialised respray rather than a standard metallic finish

[Olivergt]

Eibson said:

Olivergt said:

When you re-insure your car, I would just check that the policy has the correct colour in the car details.

This may be just a timing issue between notifying DVLA and getting insurance, the insurance co will simply type in the car reg which should pull up all the correct details.

So I should be fine aslong as I double check with my insurer at the time i am re-newing that it is now green? I will try and contact them but just wanting to know if i need to save move for the payment

I'm saying you need to check that the policy is correct.

I'm not saying it will be fine, if it comes up as green then you probably are, but if it comes up as the original colour then you need to contact them to change it at which point there may be adjustments to the price of the policy.

Have you tried an online quote, I think some places when you put in your reg it will give you all the car details including the colour. Once you have informed DVLA of the change, do another quote, see if it picks up the new colour.

Edited by Olivergt on Monday 30th May 18:19

[randlemarcus]

Eibson said:

randlemarcus said:

I think most insurers would class a DVLA colour change as a modification, one that they do need to be informed of. I would also assume that a change to matte green would raise red flags for most, fairly, or unfairly.

I'm guessing since its matte it may be classed a specialised respray rather than a standard metallic finish

Being a matte finish, that will add to the respray costs, as well as making it tricky to avoid betterment, as matte is prone to damage. I think the primary concern will be around matte cars being driven by chaps who may not be members at the golf club, if you know what I mean

[Eibson]

Olivergt said:

I'm saying you need to check that the policy is correct.

I'm not saying it will be fine, if it comes up as green then you probably are, but if it comes up as the original colour then you need to contact them to change it at which point there may be adjustments to the price of the policy.

I have you tried an online quote, I think some places when you put in your reg it will give you all the car details including the colour. Once you have informed DVLA of the change, do another quote, see if it picks up the new colour.

I'll try that when I get it resprayed, i have a couple weeks off soon so will try and wait in the call queue to speak to insurer so I can get it straight from them. Thanks for the advice

[Davie]

I'm not sure about the colour question but if I had to plan calling my insurer to ask a fairly simple question around my annual holidays... I think I'd be looking to change to an insurer who's a little more obtainable. Web chat? Email? Late nights or weekend call times? Surely they can't be so crap and you can't be that busy...