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03-21-2011, 04:03 AM | #1 |
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Insurance Query
Hi - I'm starting to modify my E93 M3 - exhaust, remap. suspension, wheels, trim, brakes, mostly with none OEM equipment how do I stand with my car insurance. Do I disclose all my mods or just those that affect performance,
do some of you not disclose anything (you do not need to answer that last bit!). What is your experience, does the premium go up a lot, or will I have to change insurers? Thanks in advance. |
03-21-2011, 05:14 AM | #2 |
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Hi mate some insurance companies will not insure you depending on which mods u have ,
1 as soon as u improve ur engine out put insurance goes up 2 other mods cosmetic should not make a difference 3 phone for best quotes 4 |
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03-21-2011, 05:15 AM | #3 |
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You need to disclose the modifications you make to your car, the requirement to do that will be in the fine print of your policy. Failure to disclose gives the insurance company the option to decline to cover you in case of a claim.
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03-23-2011, 06:27 PM | #4 |
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Two of my friends had heavily modified cars and were involved in collisions where they were the innocent party. When their cars were assessed nothing was mentioned as to the extensive un-declared mods.
I'm not advocating that you do not tell your insurance company mind, just a bot of fyi ![]() |
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03-23-2011, 06:54 PM | #5 |
Putcha ang ganda...
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i have mods and its covered eveery including my mods. ...
i have statefarm oh btw if you mod your cars it should be covered but you better have receipt for all the mods you add on to.
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03-23-2011, 06:56 PM | #6 |
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nice screen name haha
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03-24-2011, 06:37 AM | #7 | |
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03-24-2011, 08:19 AM | #8 |
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yes declare everything !!!...other wise you "may" end up with the repair/replacement yourselves !!
try heritage insurance and Aplan insurancs as well, they are very good with mods Last edited by hugehead; 03-25-2011 at 07:23 PM. |
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03-25-2011, 05:52 PM | #9 | |
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