Do I need to declare undercoat as a modification?

[SAVVYSCLUTTER]

If yes, how much will it increase my insurance? Anyone have experience with this?

[SimonTheSailor]

Undercoat was on your car from new.........they then put paint on top of it.

[Super Sonic]

Insurers vary so probably better to ask them.

[_Rodders_]

I wouldn't.

Putting cheap tyres on is infinitely more risky then spraying a bit of undercoating on and millions of people don't ring up and tell their insurance they've fitted £5.99 Triangles as replacements for the OEM tyres.

[brillomaster]

If i had a car undercoated it would not even remotely cross my mind to declare it as a modification. So no.

[Countdown]

Am I losing my marbles?

Why on earth would undercoat need disclosing?

Should you also disclose the use of Rain-X, or the fact that you've waxed it with super premium honeybee wax?

[MDMA .]

SAVVYSCLUTTER said:

If yes, how much will it increase my insurance? Anyone have experience with this?

Yes and by about £217.56 on average. I used to be a decorator and had some white gloss undercoat spare from a job one time. Decided to paint my Bentley with it. Checked with the insurance company just to make sure all ok and that's when i found out it increased my premium.

HTH.

[Countdown]

I assume OP means underSEAL rather than underCOAT?

[Pica-Pica]

Countdown said:

I assume OP means underSEAL rather than underCOAT?

That was my take too.

[paintman]

SAVVYSCLUTTER said:

If yes, how much will it increase my insurance? Anyone have experience with this?

Hmm. It is half term.
The only people who will be able to give you the definitive answer are your insurers. Perhaps you could ask them & then let us know which company it is & what they said.

[SAVVYSCLUTTER]

Yes, I meant rustproofing.

[sam.rog]

SAVVYSCLUTTER said:

Yes, I meant rustproofing.

I suppose it’s the same as ceramic coating your paint.

If you make a claim and haven't declared it. Don’t expect them to cover it. Doubt it will invalidate your policy during a claim as they would need to prove it had a contributing factor to the incident.

I’d phone them and ask, but I’m risk averse when it comes to insurance. The last thing I want is to give them a reason to wiggle out of paying.

[InitialDave]

I would say almost certainly not, but as above, don't expect them to cover reapplying it after a repair etc.

There was some consternation not so long back over an insurer considering paint protection film to be a modification and throwing their toys out the pram, so I don"t think it's stupid to ask the question. They sometimes have some quite strange opinions.

[Davie]

_Rodders_ said:

I wouldn't.

Putting cheap tyres on is infinitely more risky then spraying a bit of undercoating on and millions of people don't ring up and tell their insurance they've fitted £5.99 Triangles as replacements for the OEM tyres.

This.

And it's irritated for years. The way some insurers treat modifications or utter neglect is a bit scary. Fitted a small OEM spoiler... bend over sir. Running HappyGallops with 2mm on your Golf R... no problem, as you were.

Crazy.