44 replies to this topic

[mohammed]

i recently painted my engine and changed the rad hoses, and some other stuff like new starter motor, HT leads... do i need to tell my insurer about the changes??

thanks

mohammed

[Doovydoo]

No.. they mean serious modifications like alloy wheels, sports exhaust, possibly even bodywork changes.

The things you have mentioned are essential consumable (arguably not as consumable as oil, brake pads; but still..) items that need replacing.

[maggies_minder]

as above, dont worry about those.
insurers are more worried about things that will make the car stand out more and therefore attract unwanted attention.

[998dave]

No you don't.

Unless you painted the engine red, which gives it more power, and therefore counts as tuning...

Dave

[mohammed]

No you don't.

Unless you painted the engine red, which gives it more power, and therefore counts as tuning...

Dave

Lol.. and Yes i did paint the engine red

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[Jeano]

at the red comment,

just sounds like maintainance to be honest, so wouldnt tell them either

[james962]

Engine bay looks gooood

[jbs.998]

painted mine red too, gives at least another 1hp!!

[minikidx14]

I would just to be safe. Doubt it would increase the price, if it does its time for a new insurer

[Cooperman]

No, what you have done does not effect the specification of the vehicle in any way at all. It's just routine maintenance.

[minikidx14]

If painting the outside of a vehicle could effect your insurance, why wouldnt painting an engine

[Midas Mk1]

Better take the hammerite and waxoil off the underside of my Mini, as it'll effect the insurance

lol

[minikidx14]

Its very unlikely to affect insurance however you should still tell them

[maggies_minder]

Its very unlikely to affect insurance however you should still tell them

they wont give a hoot.

[minikidx14]

Its very unlikely to affect insurance however you should still tell them

they wont give a hoot.

Im sure you would if they decided not to pay out on a claim you make...

One important thing to remember is that you are legally obliged to inform insurers of any modifications that you do. This is vitally important as failing to declare them can potentially invalidate your entire insurance policy. This would mean in the event of you making a claim, and the insurers discovering an undisclosed modification to your car, you could be left high and dry with a null and void policy. The modification disclosure rule is normally found in the terms and conditions of a policy, with the onus very much on the policyholder having to inform the insurer, and not the other way round like many seem to believe.