Tha Original i30 Owners Club
GENERAL STUFF => GENERAL DISCUSSIONS => Random Chit Chat => Topic started by: hipposniper on April 05, 2010, 12:34:56
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Hi just wanted to know is the sports kit classed as a modification for insurance purpose's (uk) as some say it is and others say its not, seeings that Hyundai fitted it, and not myself does it classed as a Mod ? Plz help :question:
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More-Than don't classify it as a mod, they are only interested in performance mods.
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long time no see ray,if its on the car when you bought it new,it shouldnt be classed as a mod. :idea:
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^-- I agree. "Factory-fitted" shouldn't count as a mod, for insurance purposes. I guess different insurers might take a different view though
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Hi Ray,
I'm with Steve on that one too.. It is not modified if it came from the dealer that way...
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well, My insurer's think that it is a Mod,(Direct line, Uk) as it never left the Fatory in Chez and seeing that i paid extra for the sports kit ,,then ive added the kit to the normal fatory setting then its a mod... How Crap!!! every other insurer,s dont think its a Mod....The first time i spoke to Direct line they said it not a Mod. Now that i had a little accident (little dent in f/o wing) they are now saying its a mod and added the defferance to my renewal.. i have to pay the extra on top to get the car fixed..... Sorry guys that i havent been on for a while busy taken my Lorry test,, and passed
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^-- well congrats on passing the HGV. Now you just need to change insurer.
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seems that way dont it..
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Sorry lads, but ALL mods and extras should be declared as such. Why, because if you have an accident and have not paid the extra premium to your insurer then YOU will have to pay. They are not going to pay for anything that you did not insure are they.
I know this is a sticky situation, but you must tell them when you insure so there can be no dispute later if you are unlucky.
Say you have a 5 Series BMW, if you went mad when purchased, you could add over £20K to its price with factory extras. They are not going to pay out if the car gets written off or stolen etc for all those extras unless you paid the extra premium for them.
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Hmmmmm
Now whilst the likes of Ray actually purchased the Sports Kit which was fitted to a new car, mine was already on and pre-registered and was not stipulated as an extra by myself. In essence this is the same as buying it second hand, if you phone the insurer and ask for a quote for an i30 Sport they will not be able to find it in their system as they operate on the MODEL of the car and the Sport is not actually a purchaseable model.
Now the way that we purchase insurance in this country we use our reg number, so when I put that in it comes back with an i30 Premium. This is correct, there is then a question later on about any non-factory modifications. Truth be told, I can't say for certain since as far as I (and anybody who purchases the car after me) can tell, the car was bought from a main dealer with the body kit "factory fitted".
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Personally I would try and discuss with the company direct after I had obtained an online quote.
But here we then have a problem with communications:
The person you talk to will have no idea what you are going on about as they are usually young kids working off pre agreed scripts. They will assess as mod.
You have to insist you speak to a supervisor and hopefully they will understand your request.
Pity the face to face brokers have all but disappeared
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saddly i did asked to speack to a supervisor and its a Mod, seening that the Mod althou fitted by Hyundai is a add on , the model was no made with the Spec of a sports so if any one has a sports and not add it as a mod then your insurance is not worth the paper its printed on and when you make a claim (esp when its your fault) you dont have no insureance even thou for years you have paid for it, plus a nice visit from the boys in blue.. Please advice al with sports kit
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its a Mod, seeing that the Mod, althou fitted by Hyundai is a add on , the model was not made with the Spec of a sports so if any one has a sports and not add it as a mod on your insurance,, then it is not worth the paper its printed on and when you make a claim (esp when its your fault) you dont have no insureance even thou for years you have paid for it, plus a nice visit from the boys in blue.. Please advice all with sports kit
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Well according to Direct Line it is a mod, but as I say I have checked with More Than and as it is not a performance related modification they did not add to the premium :wink:
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ADVICE - Check with your insurer, some class it as a mod, some don't.
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According to the well known inter-mi-web, all changes should be notified. Some may attract an increased premium but they must all be declared.
Car Insurance Modifications - Should I Declare Them?
Yes, yes, yes and yes!!! Car modifications should always be declared even if it costs extra. If they are not declared, then in the event of a claim your insurance policy could be voided which will lead to all sorts of problems. If you have a heavily modified car it is recommended that you get insured with an insurance specialist that deals with modified cars.
How much does it Cost to Declare Car Insurance Mods?
The cost for different car modifications varies massively between insurance companies. Before purchasing a modification we recommend you check with your insurance company how much it will cost. It is also worth noting that in most cases in the event of a claim the modified part will only be replaced by the standard part.
Why does it Cost Extra to Insure a Modified Car?
There are two main reasons why mods cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium.
1. Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits put up your insurance as they make the car faster which means you are more likely to crash.
2. Aesthetic Modifications such as body kits, tints and spoilers increase your premium as it makes your car more attractive to thieves and vandals.
What do Insurance Companies class as a Modification?
99% of insurance companies will class any modification to a car after it has been manufactured as a modification. It is worth nothing that some insurance companies will class factory fitted extras as modifications.
http://www.carinsuranceexplained.com/car_insurance_explained/declaring_modifications.htm
So there we seem to have it.
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I feel so guilty now not declaring my mudflaps :-[
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thanks just didnt know if they trying to pull a fast one
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As others have said most UK insurers will class it as a mod, even if they then don't actually charge more for it, you have to declare it, even if fitted in the factory. I looked in to this a lot before fitting my spoiler, and even if it had been fitted before delivery It would have been classed as a modification, in fact no different than if I fited it myself.
When reading (lots) about it on the internet several people who had had accidents without declaring various mods without realising they must had been subsequently asked to pay the difference in the preimum payable with and without the mod, and then the insurers met the claim. There is apparently a directive from the insurance obudsman on this. I don't have links to these threads anymore, but there were a few. There was also conjecture from at least one source that said if they considered the modification information was withheld on purpose then the whole claim would not be met at all, not just for the modified item itself.
As for the mudflaps, carpets etc, there was evidence to show that sometimes they paid out for these, and sometimes not when a claim was made. However for most of the insurance companies web-quotes I tried (lots of them) there was no catagory for such minimal additions. The seem more interested in changes to body, aerodynamics, suspension and power etc.
The most mod-friendly company I found was bell/admiral, who would only charge me £15 a year extra for fitting the spoiler. Many companies would no longer quote via the web with the spolier declared, and those that did the premium hike was large (£100+ in some cases).
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I feel so guilty now not declaring my mudflaps :-[
Hope they don't moniotr this site and check your declared colour as your avatar car colour changes every second so is that a mod???
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I'm with Allianz (or was) and when I put on my sports exhaust (2" straight through from Cat Converter) I rang them up to report my small mod and they told me to P**s off. Not interested in insuring cars with performance mods... Had to go to a broker (and you guessed it) they got me similar cover through Allianz for only a couple of $ per month more.. (different underwriting guidelines apparently..) :rolleyes:
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I had to declare the paint on my C30 as a mod as it was a £750 extra (even though its a factory colour).
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Technically metallic on the i30 should be declared too, but there is plenty of rhetoric on the net to suggest insurers overlook this, of course YMMV.
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I had to declare the paint on my C30 as a mod as it was a £750 extra (even though its a factory colour).
Never heard of this before.
But given mica and metalic are extra cost then any respray would also be more than solid colour.
Checked my date to make sure not 1 April :lol: :lol:
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OK
I have just come off the phone to my insurer More Than.
The Sports Kit fitted to the Hyundai i30 is not a performance modification and is therefore of no interest to them whatsoever.
This fits exactly with what they told me when I fitted a WRX boot spolier to my Impreza GX, I checked first that the cost would not change and they were perfectly happy that since it did not increase performance it was covered with the standard model insurance.
I have now been told by them that the i30 is the same and the advisor even agreed with me that the chances are that performance is probably even reduced a bit by the additional weight :)
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the advisor even agreed with me that the chances are that performance is probably even reduced a bit by the additional weight :)
Canny Scotsman giving the negatives rather than the positives of the enhanced look from the sports kit.
Nice one bumpkin.
Should have negotiated a reduction in premium as you could now argue that the car now goes slower and would be less likely to be involved in a high speed bump :lol: :lol:
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But would >Than cover the cost of any damage to the extra bits I wonder?
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I have absoluely no intention of finding out :neutral:
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Insurance companies like many businesses make most of their profits from 'extras' and will charge whatever they can get away with especially if you're already tied in with them. For example an i30 Comfort with aftermarket 17" alloys (classed as a mod) may cost more to insure than an i30 Premium with 17" alloys as standard. Direct Line charged me £30 extra for LED tail lights even though they are arguably safer due to faster bulb illumination.
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i feel so sorry for bringing it now,
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i feel so sorry for bringing it now,
You're welcome :wink: :lol:
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i feel so sorry for bringing it now,
It's a thorny old subject, but its best that people know where they stand.