Fitted strut braces - do I need to tell insurance?

[BEERBOY123]

As above, does this count as a mod? Would they refuse to shell out after a bump if these are fitted but I've not specifically said?

Ta

[aaronsmart]

tbf i wouldnt bother
and if the 'bump' is bad enough and someone is coming to have a look at your car
there not to bad to just pop off.

[toby]

Logically, if they class that as a modification and demand that all modifications should be declared then you should declare it. So ask them if it is classed as a modification or not.

[BEERBOY123]

Thanks. I've got to ring them anyway because I'm going to go over my estimated 3000 miles this year, so I'll mention it.

[Alex]

Thanks. I've got to ring them anyway because I'm going to go over my estimated 3000 miles this year, so I'll mention it.

how do they know you have gone over that

in my opinion your worrying to much about your insurance

[Black_Potato]

MOT's

[BEERBOY123]

MOTs? Do I have to take them off for that?!

[BEERBOY123]

Oh, sorry, I see. They'll see my mileage from the MOT cert

[Touring Whore]

MOT's

Unless your renewal date is also your MOT date, they couldn't use this could they?

[toby]

Thanks. I've got to ring them anyway because I'm going to go over my estimated 3000 miles this year, so I'll mention it.

how do they know you have gone over that

in my opinion your worrying to much about your insurance

Opinion has nothing to do with insurance. It is always best to check.

[beema_boy]

check that they put the mileage down on your mot as they dont legally have to declare your mileage when they do your mot ; )

also screw the insurance,

chances of them ever finding out = slim to none
chances of them charging you your left nut for mods = certain

[GrindCulture]

Who are you insured with?

[E30BeemerLad]

I'd totally disagree, declare it, shouldn't make a massive difference and what's the point of paying for insurance if it is then not going to work for you when you need it?

[jbh]

check that they put the mileage down on your mot as they dont legally have to declare your mileage when they do your mot ; )

since when isnt it a requirement for an MOT not to put the mileage down!!! every mot I've seen has the mileage put on it. if you look on the vosa site when checking an MOT it will even tell you if there's a discrepancy with the mileage between the mot's

[DHFiS]

Thanks. I've got to ring them anyway because I'm going to go over my estimated 3000 miles this year, so I'll mention it.

how do they know you have gone over that

in my opinion your worrying to much about your insurance

If you have a restricted milage policy you declare the odometer reading at the date the insurance in issued. If they come to inspect the car and you have gone over your limit then you are in breach of the terms on which the policy was issued.

[Alex]

he says estimate mileage noting about it being limited mileage

[beema_boy]

when i worked in an MOT center we did usually put the mileage down but the bosses were not bothered when it was missed out. this is because on older cars its easy enough to change an engine without doing the clocks and vice versa and when applying for new v5 docs etc it also says mileage not needed. there are so many ways the mileage can be changed over the years that there is not much point in trying to keep up with it tbh.

im not saying i know the laws or anything im just going by what i have seen in the past
i go well over what i declare on insurance tbh but like alex said it says estimated not actual mileage

[BEERBOY123]

I'm with Admiral by the way, and no it's not a limited mileage policy but the cert says 'Mileage 3000 (est)'. To be honest, I'm more concerned about the strut braces, even though I don't see how they would add any significant risk.

Thanks all anyway, I'll bell them to be safe.

[asmith88]

woudnt worry about either tbh, telling them about strut braces will probably put it up an extortionate amount because there stupid little computer tells them so

[hennabm]

There is space for a tester to record the shown mileage. That is not to say it has to be recorded or indeed is actually recorded correctly.
As it is not an MOT requirement to have a speedo or odometer then the tester just records what is there, if anything.

As an owner or buyer you can check the history of the MOTs, given either the V5C doc number or MOT certificate number. Then if a discrepancy is shown alarm bells may ring.

[Z3I]

I don't know how many times I've seen threads on this side with posts from people saying they've dones mods, but havn't told the insurance company. Worst is "its a 316/318/320 on the log book but its got a 325 under the bonnet"

Insurance companys have got all the time in the world to investigate claims, and if they find anything undeclared, they'll cancel your claim. Why should they be fair with you if you arn't fair with them?

Declare it, it won't probably affect anything, but they won't have anything against you if a claim arises. Why take the risk and have the worry?

[BEERBOY123]

I agree, I'll ring tomorrow just to make sure I don't get shafted one day.

[golfman]

Theres no way they can keep an eye on your mileage realistically. Lets say MY insurance covers me for 3000 miles but I lend my car to a friend who has a trade policy. My insurance would not be being used but the car could rack up thousands of extra miles, or am I wrong? lol

[town325i]

Thanks. I've got to ring them anyway because I'm going to go over my estimated 3000 miles this year, so I'll mention it.

how do they know you have gone over that

in my opinion your worrying to much about your insurance

If you have a restricted milage policy you declare the odometer reading at the date the insurance in issued. If they come to inspect the car and you have gone over your limit then you are in breach of the terms on which the policy was issued.

No you dont i had limited milage to 1500 miles and never got asked for my milage.

[Dezzy]

Just tell them.

If you course or are in a bad accident where there is big money or bad ingury involved, (I hope nobody is btw) why give the insurance company any reason to give you added grief.

It's not exactly a twin supercharger kit is it!

[Jhonno]

how do they know you have gone over that

in my opinion your worrying to much about your insurance

If you have a restricted milage policy you declare the odometer reading at the date the insurance in issued. If they come to inspect the car and you have gone over your limit then you are in breach of the terms on which the policy was issued.

No you dont i had limited milage to 1500 miles and never got asked for my milage.

I did.. On starting the policy and renewal!

[gareth]

i fill in a limited mileage declaration every year on mine, but it saves me money so who cares.
you're paying to be insured so why feck about and make that policy void?

when i've had a rover 214 (don't ask...) as a temporary car on my policy, i had to modify it before adrian flux could cover it as the policy was for high performance or modified cars only! so i removed the air filter and claimed an estimated 1bhp increase, all covered! my policy also tends to stay the same or sometimes drop when i modify my E30 further.


a couple of years ago, my little brother bought a seat leon cupra TDi and was quoted £3k or thereabouts fully comp through adrian flux (the best price he found). i advised him to try and get a price for modifying it, just in case the same happened to him... it did. the price dropped by about 40% by fitting a set of audi S3 strut braces which cost him £40!!!!!

so, you're going to call your insurance company now are't you?