JWT said:
Perkybillet said:
It's definately something you need to tell your insurance company.
Is it?
I mean technically it's different, but is it a modification?
It depends on the insurance company, they all take different views on what you and I might think nothing of. So the safest bet is to tell them.
By way of example I bought my last car brand new (showroom model) and it had various options over and above the standard spec already fitted. Part leather interior, electric sunroof, discreet body kit on the sills and 17" alloys from the next spec up instead of the standard 16". I owned the car from 2003-2012 and only in the last year did the insurance company view the wheels (and only the wheels) as a modification and charged me £17 extra. Been on the car since it left the factory! As had the other extras but suddenly the wheels were considered a modification...
So don't expect what you or i would think of as common sense or logic to apply. If it helps, remember that insurance companies are in essence little different to bookies. They assess odds & charge a premium that they expect will cover losses should the odds then go against them. The difference is, if you don't declare something (and you
are obliged to do so) they'll quite rightly say that had you declared it they'd have assessed the odds differently so that lack of declaration on your behalf can potentially be used to claim you are in breach of contract.
So that's why I would advise to always declare it. As with my wheels, it may make no difference at all to your premium most of the time but if it did and you hadn't declared it you might be giving them a get out clause...and no one wants to be in that situation:?
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