Umm, any Modification Or Accessory you fit to your car, that you do not declare to your Insurance Company can be used against you in the case of a claim, whether or not they are Genuine or not?Just for your information, when I spoke with the two main Forum Insurance sponsors with regard to getting a quote for my Juke last December - one had to refer me to their special underwriter due to the number of accessories [not modifications] I was fitting to my Juke whilst the other had not a problem with adding them to the policy as long as they where all listed. If I had, had performance Mods then I would have expected a premium rise, but as I was simply adding a large number of factory options from the accessories catalog, they still need to be listed against my policy - from Mudflaps, Mats, Front & Rear Protection Plates, Rear Spoiler, Mats, Boot Liner, Headlight Upgrade, change of rear lights to LEDs, etc... etc ... etc! Anything I added that the car did not come with 'out of the showroom' needed to be listed!So just to correct you a little, whilst you may think 'carrying a spare in the boot' does not need to be declared ... er, yes ... as firstly a LOSE wheel in the boot is a Death Sentence waiting to happen, so you'd need to Fix It Down and when you do, it becomes 'affixed to your car' and as such should be declared to your insure for them to reassess your policy etc..?Also you may like to know that just placing a Sticker on your car (yer, even a Baby On Board - Driving!) could cause you problems with your insurer as in the past several Insurance Companies have successfully used the argument that Stickers can make a vehicle more desirable to a Thief or Vandal by way of making said vehicle more desirable/noticeable and because the stickers where not declared to the insures for them to reassess the risk of the policy, they refused the claims submitted on those occasions! [Feel free to search the internet - I'm sure you'll find reference to them and they make quiet interesting reading?]So just to recap, anything you fit to your car after you purchase it will 'need to be declared' unless you feel your insurer will be understanding and forgiving in the event of a claim? [ Your choice? ] And that includes Genuine Accessories as well as Aftermarket Accessories on top of any Modifications you then make - performance & non-performance likewise?
M-J2014-11-27 22:07:59