After Market Modifications

[eastcoastporsche]

I understand that a lot of people like to personalise the car by making modifications to it.. I certainly have with my Porsches large disks, Anti Roll bars , Exhausts, Induction etc.. but at what point does a modification to an A.M car invalidate the A.M warranty or indeed your insurance or both.

Having purchased I modern A.M car which has undergone modifications pre my ownership, this according to various posts I have found about the car, how would i set about declaring the modifications made or indeed finding out whats been done or is still present on the car.. Perhaps by contacting the previous owners insurers and finding out what had been declared previously? Or getting A.M to check it out?

The car has had exhaust valve switch modifications, throttle body changes, damping control, manifold mods etc Flywheel changes in fact quiet a list, can anyone from A.M comment on these mods and my position in terms of warranty validation.

If I do need to declare them whom is the best insurer Adrian Flux?

I found with Porsche once you start making structural or performance mods most insurers wont offer cover.. you are then limited to specialist insurers..

Is it the same with A.M? Comments and advice please..I know that some manufacturers are strict other are more tolerant to client changes..likewise with insurance cos..I remember the old sports exhaust cans on motorbikes and the rush to refit the standard can prior to insurers assessors visit some rode with the stock can stuffed their shirts just in case!!!.

Can I also pose another question, to all you insurance underwriters out there, if the modifications had been declared on the insurance an extra insurance premium paid and the car was then involved in a write off situation would I have the right to remove the modifications or would they have to remain on the car for the next owner, say if I spent £Xk on a carbon body kit, uprated brake system, suspension etc etc etc? Do the extra items belong to me? or would i have to make an agreement with the insurance co to remove the parts as a condition of the settlement value?

You cannot drive with a stock manifold, shockers and flywheels stuffed up your shirt so comments would be appreciated..

[Mr Aston Martin]

I've always found Chubb to be excellent. Granted not the cheapest but hassle free when it's goes pear shaped.

[Mr Aston Martin]

I've always found Chubb to be excellent. Granted not the cheapest but hassle free when it's goes pear shaped.

[Y100]

eastcoastporsche said:

I understand that a lot of people like to personalise the car by making modifications to it.. I certainly have with my Porsches large disks, Anti Roll bars , Exhausts, Induction etc.. but at what point does a modification to an A.M car invalidate the A.M warranty or indeed your insurance or both.

Having purchased I modern A.M car which has undergone modifications pre my ownership, this according to various posts I have found about the car, how would i set about declaring the modifications made or indeed finding out whats been done or is still present on the car.. Perhaps by contacting the previous owners insurers and finding out what had been declared previously? Or getting A.M to check it out?

The car has had exhaust valve switch modifications, throttle body changes, damping control, manifold mods etc Flywheel changes in fact quiet a list, can anyone from A.M comment on these mods and my position in terms of warranty validation.

If I do need to declare them whom is the best insurer Adrian Flux?

I found with Porsche once you start making structural or performance mods most insurers wont offer cover.. you are then limited to specialist insurers..

Is it the same with A.M? Comments and advice please..I know that some manufacturers are strict other are more tolerant to client changes..likewise with insurance cos..I remember the old sports exhaust cans on motorbikes and the rush to refit the standard can prior to insurers assessors visit some rode with the stock can stuffed their shirts just in case!!!.

Can I also pose another question, to all you insurance underwriters out there, if the modifications had been declared on the insurance an extra insurance premium paid and the car was then involved in a write off situation would I have the right to remove the modifications or would they have to remain on the car for the next owner, say if I spent £Xk on a carbon body kit, uprated brake system, suspension etc etc etc? Do the extra items belong to me? or would i have to make an agreement with the insurance co to remove the parts as a condition of the settlement value?

You cannot drive with a stock manifold, shockers and flywheels stuffed up your shirt so comments would be appreciated..

Quite a few 'what ifs' there, quite a few. I can confirm that in the case of power mods to my MY13 DB9.2, up from 510 bhp to 580 bhp, Admiral agreed to cover for a modest increase of 90 squibs. Warranty issues I cannot help you with.

[tonyhall38]

Ask Bamford rose.....they know everything.....even things about bears....

[Jockman]

I hear Classic Line take a 'benign' approach to mods - give them a call.

And please stop using the word 'whom' when you are referring to the subject - it is for using when referring to the object - when it should be 'who'.

Not that I'm libelling you or anything like that, mind you

[eastcoastporsche]

I think we need input from and insurance prof and AM warranty Prof..

[897sma]

I think it sounds like you're st stirring in light of previous threads

[Tony V12V]

897sma said:

I think it sounds like you're st stirring in light of previous threads

+1

[V12woollie]

Must be the nights closing in that brings them out.

[Stonic]

Declared all my mods. Very similar to what you described. No increase in premium. And as I'd didn't increase the value of the car then those mods are mine to change and swap as I please.

Stop trying to be a smart arse. There are lots of genuine smart arses on this forum all capable of make similar posts to keep this running and running. Haven't you noticed the banter?

[AMDBSNick]

eastcoastporsche said:

I think we need input from and insurance prof and AM warranty Prof..

And here I am on the insurance front

I have several customers who are habitual modifiers of their cars. This spans 30 years in the industry so I hope you value my input. The cars range from M3's to Ford RS 200's. The mods range from uprated brakes to blueprint engines.

Being a car nut myself I take in an unhealthy interest in what my customers do. However at the end of the day I must look after their insurance interests. On that basis I think outside of the box. Every mod is declared to every insurer. Invariably they pay no extra premium as the vehicles are part of a much larger fleet. However where I am clever is I make it absolutely clear to insurers that in the event of a total loss the mods can be removed so long as the OEM parts are put back. Insurers are always happy to agree to this on the basis that the TL will only be valued on the basis of a standard car.

I suspect that any decent broker/insurer would provide a similar service.

Regarding your own situation the best bet is to declare the mods you have to your brokers/insurers and see what they say. That way you will be able to sleep easy at night safe in the knowledge that you have told your broker/insurer everything about your P&J and in the event of the unthinkable all will be fine.

After all, as all of us in business know, sleeping with a clear conscience is the best nights sleep.

I suppose on the warranty front you could just go to your nearest main dealer for an opinion.

Hope this helps

[Jockman]

AMDBSNick said:

On that basis I think outside of the box.

What box ??

You're always in the sodding pub !!!!

[woolders]

Jockman said:

What box ??

You're always in the sodding pub !!!!

And you are always in or around a box.

[Jockman]

woolders said:

And you are always in or around a box.

Doing a BOGOF at the moment, matey !!

Anyway, I still prefer my Insurance Brokers sober from time to time

Oh, and my pilots

[woolders]

Jockman said:

Doing a BOGOF at the moment, matey !!

Anyway, I still prefer my Insurance Brokers sober from time to time

Oh, and my pilots

You just don't understand the role of an insurance broker but I think that if you dredge your memory, you will remember that the French word is "un courtier". In English that obviously translates back to a sycophant.

Ergo , NT gets into the office early, fires out a few succinct emails to his underlings on the new business he got on the books by smoozing his contacts at lunch and dinner and gets on with the business of the day;lunch and dinner.

Obviously this is very fulll on work, which is why he retires to "the Merchants" for a glass of tea with Binz at 4.00pm

Got it?

[Jockman]

Je comprends.

Il est toujours ivre

[Lunablack]

I would love to answer....... But can't risk being sued

[AMDBSNick]

woolders said:

You just don't understand the role of an insurance broker but I think that if you dredge your memory, you will remember that the French word is "un courtier". In English that obviously translates back to a sycophant.

Ergo , NT gets into the office early, fires out a few succinct emails to his underlings on the new business he got on the books by smoozing his contacts at lunch and dinner and gets on with the business of the day;lunch and dinner.

Obviously this is very fulll on work, which is why he retires to "the Merchants" for a glass of tea with Binz at 4.00pm

Got it?

Wrong.

The St Thomas Cross.

[woolders]

Jockman said:

Je comprends.

Il est toujours ivre

Apart from the hours of 6 to 12.30 in the morning. Don't even think of being pedantic; the afternoon starts after lunch, even if lunch ends at 7.00pm.

PS good word is ivre, it is not something they taught me at school, the French bit obviously the ivre bit was self taught.