Direct Line Insurance & Engine Mods

[AyrshireXC90]

Originally Posted by essexbloke2008

Numpty question alert....... how would the insurance company know you have a power mod on the car?

When my car was in for major body repairs, the estimator took photos of unrelated items like odometer and tax disc, and sent them with photos of the damage to the insurer. I would not be surprised if other things were checked to ensure no undeclared mods were in place.

[Zoidy]

Apparently some insurance companies consider any changes to the standard spec as a modification but there are others that only see additions to the car once it has left the factory as modifications.

Would be good if we had a list of insurance companies and what they want declaring and whether they charge extra. Will be hunting around for insurance next week so will see what I can find out then.

[NewVolvo]

Originally Posted by Zoidy

Apparently some insurance companies consider any changes to the standard spec as a modification but there are others that only see additions to the car once it has left the factory as modifications.

Would be good if we had a list of insurance companies and what they want declaring and whether they charge extra. Will be hunting around for insurance next week so will see what I can find out then.

I can add to the list.....

Direct Line, they want all factory options mentioned and will charge for cosmetic changes (ie upgraded alloys, tinted windows etc). They do not charge for BLIS, metallic paint, stereo upgrades (upto £1K), parking sensors etc.