Porsche factory options

[Birdster]

Hi All,

I'm looking at a circa 10K-15 Boxster, or 911. Most likely the boxster, as I think it'll offer me better value for money (10k) and I fancy a roadster that I can work my way up to a 911 in. This will be what I call my first proper drivers car.

Before I start looking for the one I need to sort insurance out.

What's the deal with the MO30 suspension upgrades? I know that if you upgrade a early 986 to the clear lenses - that is technically a modification and needs declaring.

But what about factory fit options as when I called my current insuruer they seemed to class it as a modification.

So I'm just asking you guys who normally insure these cars. If it's factory fitment - how do you handle insurance?

I did have a Google, but haven't found much.

[Trev450]

My car has quite a high specification in terms of factory fitted options and my insurer (Pace Ward) asked me to list them but no additional premium was applied. Suggest you shop around a bit if your current provider is not playing ball.

[rigster2]

Hi, my motor insurance policy asks for "any modifications"

I can't see that factory options fall into that category.

However it would be interesting to hear from anyone who has had a claim refused due to the factory fitted options.

[uknick]

Surely ALL Porsches have some factory options? Porsche are the masters of charging for an option that most manufacturers include in the price.

Over my 4 years of ownership I've never had to declare factory fitted options.

[STiG911]

The key is in the wording which is - I think - 'Has the vehicle been modified from the manufacturers original specification?' Technically similar too (but not the same as) 'Is the vehicle the in the same specification as it left the factory in?'

While options added at the factory are technically a modification to the manufacturers original specification, they are still items added to the vehicle at build source - the factory - therefore, the answer for your insurer is 'No'

If everyone with a Porsche declared all the options fitted to their cars at the factory as modifications, insurance companies would be riming every one of us!

[Trev450]

STiG911 said:

If everyone with a Porsche declared all the options fitted to their cars at the factory as modifications, insurance companies would be riming every one of us!

But if you don't then you are likely to get 'basic' market value in the event of a total loss claim. If it doesn't effect the premium, which in my case it doesn't, then why not declare them all.

[Ekona]

I tell mine about every single thing on it. They may or may not give a hoot, but I feel happier that way.

Incidentally, it's the reason I swapped from Admiral to Sky, as Admiral don't cover you for replacement if damaged. Rear end tap = bent PSE = only get a stock exhaust back. That's no good for me, so I changed despite it costing me more now.

[KPE]

Trev450 said:

But if you don't then you are likely to get 'basic' market value in the event of a total loss claim. If it doesn't effect the premium, which in my case it doesn't, then why not declare them all.

Metallic paint is a factory option. Most cars on the road has met paint but how many owners declare this? When I totalled my Toyota, the payout was the basic list price

[Trev450]

KPE said:

Trev450 said:

But if you don't then you are likely to get 'basic' market value in the event of a total loss claim. If it doesn't effect the premium, which in my case it doesn't, then why not declare them all.

Metallic paint is a factory option. Most cars on the road has met paint but how many owners declare this? When I totalled my Toyota, the payout was the basic list price

So if you take two cars of the same model and one has £10k of factory options fitted and the other has none, are you saying they are both worth the same amount?

[Birdster]

Thanks all. I've only ever insured normal cars and never thought about it. So nothing to declare. It's only when I started looking at something tasty and going to specalists that I started to give it some thought.

[cay]

Ekona said:

I tell mine about every single thing on it. They may or may not give a hoot, but I feel happier that way.

Incidentally, it's the reason I swapped from Admiral to Sky, as Admiral don't cover you for replacement if damaged. Rear end tap = bent PSE = only get a stock exhaust back. That's no good for me, so I changed despite it costing me more now.

I've never quite worked out how they would do this.

Say the front of your car was damaged and a headlight, wheel and shock absorber needed replacing. Car has Xenon, 19" wheels and PASM.

How could they possibly replace the parts with standard ones, the wiring harness would be wrong for the headlight, the wheel would have to be 19" to match the others and you couldn't possibly have one non-PASM shock as the system would go mental.

I seem to remember they had a clause which said 'Factory options are only covered if they have been declared and we agree to cover them'. I assume that would mean they would replace factory parts with matching ones but if you had added your own Halford's style body kit it wouldn't be replaced!

[DiscoColin]

Trev450 said:

But if you don't then you are likely to get 'basic' market value in the event of a total loss claim. If it doesn't effect the premium, which in my case it doesn't, then why not declare them all.

That depends on the insurer and the car. A decent one will assess value against an equivalent vehicle in the market at the time. This is what happened when I had a total loss on a 911 last year. Obviously you are less likely to get that with the mass market budget insurers than a Porsche specific policy through a decent broker though.

[Birdster]

Rather then a new topic, can someone help with my queries please?

Are these boxster, or 911 alloys?


http://www.honestjohn.co.uk/cars-for-sale/details?...


http://www.alloywheelsdirect.net/porsche_alloy_whe...

[gl20]

I've had the same insurer give different answers on this - depends on who answers the phone. If they ask what options the car has, I'll list them out. If they ask about modifications I make it clear everything on the car was factory fitted. Most insurers have something on their website to define what they mean by modifications (which no option would be classed as per the definition they give) so if you just quote that back to them it normally resolves it.