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w12leo

Member Since: 05 Oct 2015
Location: Farnham
Posts: 85

2016 Defender 90 Puma 2.2 HT Keswick Green

What do you have to declare?

So the time has come that I have to start chasing insurance companies for some quotes!

The question is how much do I need to declare? So do I declare I painted my front grill? And have a winch and have put sound proofing in it?

I don't know where to stop? Wanting another 💭

14th Feb 2016 8:44pm

Mash

Member Since: 09 Feb 2015
Location: Guernsey
Posts: 1674

There are a few threads on here for this, easy answer declare Everything and you will be fine, none of my mods and I have many effect the price. 90 wolf - Jasmin http://www.defender2.net/forum/topic39408.html
90 V8 - Maggie http://www.defender2.net/forum/topic42564.html
110 TD5 - Buggsy http://www.defender2.net/forum/topic59029.html
52HG25 lightweight https://www.defender2.net/forum/topic72342.html
D3 Hse - Fiona
Capri 2l S - Anna

Think I might have a problem............

14th Feb 2016 8:50pm

Ryderoo

Member Since: 28 Aug 2015
Location: South Bucks
Posts: 1655

2015 Defender 90 Puma 2.2 HT Santorini Black

Same as Mash, tell them everything, no worries at claim time then.

Give APlan a try, Kirsty gave me a competitive quote, but doesn't work for everyone. Cheers Simon

I can explain it to you, but I can't understand it for you

2015 Urban Truck 90 XS Santorini Black Hard Top - Reluctantly gone
2020 Discovery 5 Eiger Grey 3.0 SE
2021 Defender S D250 Santorini Black 110 Hard Top on the drive

14th Feb 2016 9:45pm

Supacat

Member Since: 16 Oct 2012
Location: West Yorkshire
Posts: 11018

2013 Defender 110 Puma 2.2 XS DCPU Keswick Green

It can be a pain to list them all but always better to.

Easy way is to make a list and suggest you email it to them.

14th Feb 2016 9:48pm

stooby do

Member Since: 14 Mar 2015
Location: St. Helens
Posts: 68

I am in the process of renewing at the moment. Currently with A-Plan. Sent them an email with a list of absolutely everything I have changed or plan to change from standard spec. Even declaring worklight, WIPAC crystal headlights, smaller steering wheel, diff guards etc. Price difference was minimal. Better to be safe than sorry and declare the lot.

16th Feb 2016 11:51am

rodspink

Member Since: 12 Apr 2015
Location: Aberdeenshire
Posts: 187

A friend of a friend had a Golf, it had a non standard grill fitted when he bought the car. He claims he was unaware it was modified. Was involved in a single vehicle accident. The insurance company did not pay out.

Declare everything.

Cheers

Rod

29th Feb 2016 9:17am

DSB

Member Since: 02 Mar 2014
Location: Northants
Posts: 54

2013 Defender 90 Puma 2.2 XS CSW Indus Silver

stooby do wrote:
I am in the process of renewing at the moment. Currently with A-Plan. Sent them an email with a list of absolutely everything I have changed or plan to change from standard spec. Even declaring worklight, WIPAC crystal headlights, smaller steering wheel, diff guards etc. Price difference was minimal. Better to be safe than sorry and declare the lot.

Just to support the best practice of declaring all non standard modifications, I declared absolutely everything right down to a padded cubby box lid. The telephone agent at Aviva had not come across anything like this before but it didn't change the policy price. The only item I have read that may change the premium is a raised air intake, but I don't have one so can't confirm this. So, better safe than sorry doesn't much cost either.

3rd Jan 2017 11:46am

apt100

Member Since: 05 Mar 2015
Location: Derbyshire
Posts: 1547

2016 Defender 90 Puma 2.2 XS CSW Aintree Green

I remember a story in the papers a while ago where a woman had problems with her insurance because she had not declared a sticker in a window as a "modification". The insurance company's argument was that the sticker (might have been religious?) made the car a higher risk for vandalism.

So its not just about what makes a vehicle faster, it is also what might make it more attractive to steal, more attractive for vandals, more expensive to repair or what might cause more damage to another vehicle etc
Plus of course any excuse to avoid payment whether it is justified or not.

3rd Jan 2017 2:28pm

custom90

Member Since: 21 Jan 2010
Location: South West, England.
Posts: 19570

"Plus of course any excuse to avoid payment whether it is justified or not."

Bang on, yay or neigh they'll do it regardless.
Even if you do get a so called repair it'll be what they want not what you want. Completed by some complete such and suches.
They won't insure value no more either, they'll decide what they think is fit.

And guess what, nothing like everything else with big business nothing and no one stops them doing just what they like. Diesel$ Live$ Matter. ⛽️🛢️👨‍🔧🧰⚙️ RED, WHITE & BOOST! 🇬🇧

3rd Jan 2017 2:38pm

blackwolf

Member Since: 03 Nov 2009
Location: South West England
Posts: 16876

2007 Defender 110 Puma 2.4 DCPU Stornoway Grey

apt100 wrote:
I remember a story in the papers a while ago where a woman had problems with her insurance because she had not declared a sticker in a window as a "modification". The insurance company's argument was that the sticker (might have been religious?) made the car a higher risk for vandalism.

...

If I remember the case you mean, the key was that the presence and nature of the stickers, and there were many, indicated without doubt that she had a number of very loose screws! I imagine that being utterly bonkers makes you a reasonably unattractive risk to the insurance company!

I always append a full list of modifications and alterations to all correspondence regarding the vehicle, so that there is no question that the insurer can claim not to have been informed. Mind you, I am not sure what happens if you tell the broker and the broker fails to tell the insurer.

3rd Jan 2017 2:41pm

Mash

Member Since: 09 Feb 2015
Location: Guernsey
Posts: 1674

My broker has all my mods on a list attached to the file for it so I assume they have told the above company, as I have copies of this if any problems arrised then I could argue I have informed as much as I could do, to be fair they had no problems paying out when my G4 D2 was written off and that had a few mods done to it. 90 wolf - Jasmin http://www.defender2.net/forum/topic39408.html
90 V8 - Maggie http://www.defender2.net/forum/topic42564.html
110 TD5 - Buggsy http://www.defender2.net/forum/topic59029.html
52HG25 lightweight https://www.defender2.net/forum/topic72342.html
D3 Hse - Fiona
Capri 2l S - Anna

Think I might have a problem............

3rd Jan 2017 2:59pm

seriesonenut

Member Since: 19 Nov 2014
Location: Essex
Posts: 1205

I parted company many years ago from the Co-op insurance when we fell out over a roof rack fitted to my 110. Not interested if it was a genuine part 'it was a modification' computer says no' syndrome. I took my business (other car & sons car with me)

3rd Jan 2017 3:00pm

apt100

Member Since: 05 Mar 2015
Location: Derbyshire
Posts: 1547

blackwolf wrote:

If I remember the case you mean, the key was that the presence and nature of the stickers, and there were many, indicated without doubt that she had a number of very loose screws! I imagine that being utterly bonkers makes you a reasonably unattractive risk to the insurance company!

A quick google search shows this http://www.mirror.co.uk/money/how-stickers...ld-5244082 which is certainly more than a window sticker. There is similar sign writing down the side as well.

3rd Jan 2017 3:51pm

DSB

Member Since: 02 Mar 2014
Location: Northants
Posts: 54

blackwolf wrote:
apt100 wrote:
I remember a story in the papers a while ago where a woman had problems with her insurance because she had not declared a sticker in a window as a "modification". The insurance company's argument was that the sticker (might have been religious?) made the car a higher risk for vandalism.

...

If I remember the case you mean, the key was that the presence and nature of the stickers, and there were many, indicated without doubt that she had a number of very loose screws! I imagine that being utterly bonkers makes you a reasonably unattractive risk to the insurance company!

I always append a full list of modifications and alterations to all correspondence regarding the vehicle, so that there is no question that the insurer can claim not to have been informed. Mind you, I am not sure what happens if you tell the broker and the broker fails to tell the insurer.

I wonder if the old Top Gear presenters told their insurers about the writing down the sides of the cars in the US road trip episode

3rd Jan 2017 4:44pm

blackwolf

Member Since: 03 Nov 2009
Location: South West England
Posts: 16876

I imagine that they had rather specialised and probably very expensive insurance!

3rd Jan 2017 7:32pm

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