Mods force an insurance excess rise?

[vrsmxtb]

What's the thinking behind this strategy from an insurance company.

Enquired about declaring a potential change to coilovers recently, no premium rise but excess bumped up another £100. I'm not complaining, but in a way I'd have been happy to have paid a few notes now and kept the excess the same. Surely that's more profitable for them too?

[Captain Muppet]

I suppose their thinking was that charging you more now will make you shop around, but making you pay more if you crash might make you less likely to crash.

[Ledaig]

I think it's just down to insurance companies.

I've recently made some changes to the Jeep, smaller alloys, larger tires (overall larger diameter) and a 2" lift.

Adrian Flux needed no extra premium, no increased excess and no charge for a mid-term adjustment.

[GG89]

Ledaig said:

I think it's just down to insurance companies.

I've recently made some changes to the Jeep, smaller alloys, larger tires (overall larger diameter) and a 2" lift.

Adrian Flux needed no extra premium, no increased excess and no charge for a mid-term adjustment.

Possibly the first decent thing I've read about them. Although it's not really decent and to be expected.