Modifications and the insurance companies

[lestershaw]

Hi i recently posted a query about whether i should take my roof off and leave it off all the time. Well i finally did it yesterday and my Chim looks much nicer and the rear view is greatly increased.
i called the specialist TVR insurance company i use to ask them if it was ok to do so, they said, no it isnt. i said well there is no less risk as anyone can get in a convertible and other arguments. The insurers said i am not allowed any modifications the car must be standard.
Now this made me worry and wonder, i hear about people modifying their TVRs all the time, different seats, bigger wheels, boot locks, Leven levers, new dashes, remote bonnet opener ( thanks Ray) etc. so does that mean we will not be insured in the event of an accident or is this just a get out. Do we have to say it was like that when i bought it i didnt know it was not original? Has anyone had any experience with this, is it true, or should i change insurers?
Any feedback would be greatly appreciated, i suppose i could take the whole lot off and put it in the boot and say i was going to put it all back on if it rained?

[SILICONE KID]

If you don`t do track days R@H is a good one.I went from a 4l to 5l engine replacement
Megasquirt
After market wheels
Induction kit
uprated brake setc etc etc

Cost me another £16..Premium just over £300 and if you cancel they send you a cheque for rest of the term..

[tonys]

Depends on the company/underwriter. Some will accept modifications, either with/without extra premium, some won't. Always worth checking. It's normally covered as part of the application proposal, ie yes/no, and they will expect to be notified of any changes to the original proposal.

[Badmutha]

Tell them of every little thing you do to your car and get confirmation from them that they know, then they can't wriggle out if you make a claim. Cynical I know, but sensible.

[ralphy12345]

Badmutha said:

Tell them of every little thing you do to your car and get confirmation from them that they know, then they can't wriggle out if you make a claim. Cynical I know, but sensible.

What he said.

Don't assume that any mod "won't make any difference" - tell them.

R

[roysum]

SILICONE KID said:

If you don`t do track days R@H is a good one.I went from a 4l to 5l engine replacement
Megasquirt
After market wheels
Induction kit
uprated brake setc etc etc

Cost me another £16..Premium just over £300 and if you cancel they send you a cheque for rest of the term..

Hope you haven't shown them the dyno plot Daz

[SILICONE KID]

Yes told them its 1bhp short of 340bhp Its on a classic car insurance policy which seems to make little difference but i have to go to Mannings for track days with all the mods £415..Got to admit it still scares me ,its brutal..

Edited by SILICONE KID on Monday 28th February 22:23

[Andy chimaera]

i thought you had to declare all mods or it makes insurance void, even cosmetic stuff cos it 'makes it more desirable to thieves', thats assuming they come to check the car in the event of a claim though, most of the time they just seem to pay out, its up to you