NJS5
Senior Member
- Joined
- Jul 12, 2020
- Messages
- 781
- Reaction score
- 1,187
- Age
- 81
- Location
- Catherington, Hampshire.
- Your Mercedes
- 2011 R230 SL350, 2016 Discovery 4 Landmark, 1973 MG B GT V8, 1959 MGA roadster.
I have two heavily modified cars, an MGB GT V8 and an MGA Convertible. My insurers have been advised in writing of the modifications & I pay an increased premium as a result.
I have minor mods to my SL350, and LR Discovery 4 which have been declared & have not resulted in any adjustment of premium; things like non-standard wheels etc..
I have read a number of posts, on various forums, by people who have modified their cars, and have not notified their insurers.
I don’t want to preach, but am concerned that a number of people might be inadvertently generating big problems for themselves.
My advice, quite simply declare every modification, in writing, before doing them.
If you have undeclared mods on your car, declare them NOW!
Some quotes below:-
“UK law specifies that if your car has been modified, you must declare the changes to your insurer, even if you didn’t make the changes yourself. If you don’t, your insurance could be invalidated.”
Source: https://www.adrianflux.co.uk/blog/2022/06/how-popular-modifications-affect-your-car-insurance/
“If you don’t tell us about any modifications, your policy will be declared void and any claims that you may have made will not be paid out. So, you must let us know before you get any modifications done.”
Source: https://www.axa.co.uk/car-insurance/tips-and-guides/do-car-modifications-affect-my-insurance/
“You have a legal requirement to declare your modified car to your insurance provider in the UK.”
Source: https://goshorty.co.uk/blog/what-modifications-affect-car-insurance/
Good luck!
NJSS
I have minor mods to my SL350, and LR Discovery 4 which have been declared & have not resulted in any adjustment of premium; things like non-standard wheels etc..
I have read a number of posts, on various forums, by people who have modified their cars, and have not notified their insurers.
I don’t want to preach, but am concerned that a number of people might be inadvertently generating big problems for themselves.
My advice, quite simply declare every modification, in writing, before doing them.
If you have undeclared mods on your car, declare them NOW!
Some quotes below:-
“UK law specifies that if your car has been modified, you must declare the changes to your insurer, even if you didn’t make the changes yourself. If you don’t, your insurance could be invalidated.”
Source: https://www.adrianflux.co.uk/blog/2022/06/how-popular-modifications-affect-your-car-insurance/
“If you don’t tell us about any modifications, your policy will be declared void and any claims that you may have made will not be paid out. So, you must let us know before you get any modifications done.”
Source: https://www.axa.co.uk/car-insurance/tips-and-guides/do-car-modifications-affect-my-insurance/
“You have a legal requirement to declare your modified car to your insurance provider in the UK.”
Source: https://goshorty.co.uk/blog/what-modifications-affect-car-insurance/
Good luck!
NJSS