So for example, you buy a Leon and declare all the mods you gonna do to it BEFORE you done them (if you know they will be completed as quickly as possible) to prevent admin costs? C'mon that illegal too. You have an accident which you have declared a remap and after investigation it's not there?.....most people add the mods on policy as they go.
Sent from my iPhone when I should be working....
Id encourage people to declare that they are intended to add the mod. Most insurance companies will then quote with this mod in mind, and likely make a note on the policy regards this. they may ask you get in touch when done or they may simply add it to the policy as its a higher risk.
I can see your point, however i dont see an insurance company turning down a claim because you have not got it remapped yet, unless they are saying they would only insure you if its remapped. Which is unlikely.
Declaring your intentions from the start also allows you to discuss what you need to do, if they say we will add that to the policy now, thats up to them, if they say you need to add that when its added then do that, but you should then talk about the costs.
Im not talking about misleading, or being dishonest to avoid admin costs, im more talking about being open from the start.
It would be a shame to save £10 going for the cheapest quote, to then find that they are not competitive when mods are taken into account, or may even cancel the policy.
Declaring a mod you dont have that is intended to increase the safety or security of a car, such as an immobilisor or alarm would be wrong.
Declaring a mod, remap alloys etc that you will put on soon id have thought was ok on the basis you are over-insuring in the short term. But yes be open about this when you talk to them.
In fact many insurance companies who allow mods dont actually insure the mods and specify they would repair the car to factory spec. So if you pay a higher premium for aftermarket alloys you are not paying more so they would replace like for like, you are paying more due to the increased risk of theft or that this puts you in a group of people that are higher risk. Standard alloys would be put on the car in the event of a claim - this is true! not many policies are 'like for like'.
A remap is unlikely to be seen as reducing risk, its not a safety measure and so it would be madness to turn down a claim on the basis that you are insured for a higher risk than you are in my opinion.
However dont get me wrong, i dont suggest anyone be dishonest, what i am saying is plan for the mod from the start, view the policy as a cost over the whole year not just the initial cost. So talk to the insurance company and state your intentions.
