i just wanted 2 say...

hi nice site u have here...
I have been reading for a couiple on months now good advice on here :wink:

I was wondering if anyone could help me...i have a nova 1.2 with 13" 5spoke alloys of a corsa.
would i need 2 tell my insurance company about that?
i aint 17 yet b-day is this month so i wanted 2 get things sorted b4 i go ahead and mod it.
the insurance company said " If i change any badges then it is classed as modified" but my car is De-Badged is it still modified?

Don't bother telling them, They'll only screw you over. Say they fell off or whatever.

The only way they get to find out is if you're involved in an accident and they send someone to evalute your car's damage. you can easily swap the wheels to steelies and stick some badges on before that. It's only when you have some 'proper' mods that you could get in trouble (as witnesses/police might inform them ie. it's easy to notice 17's or a full bodikit, aspecially if it's removed at a later date.

Alternatively, what if, supposively, you've 'just bought them wheels from a bloke whom you met in a car park, and were driving home to ring up the insurance compeny and tell em all about it'.

It's time to f u c k the insurance companies back.

When i said 'proper' mods i ment something that stands out significantly. And not that what you've got aren't proper mods.

Also, as they are only 13", id say they was on ther wen u bought the car, they dont increase bhp either, which is what most insurance companys are concerned bout! i agree with marty, dont bother teling them!
Make sure u put at least 1 set of locking nuts on em 2, cos as ur car starts to look better, peeps will start nicking bits off u, trust me on that 1!

As for the badges, just get rid of em if u wanna, cant c how insurance companys would wana charge you for aving no badges! And if worst comes to the worst say they was nicked and u cant afford new badges!
Which insurance company did u ring?
Hope i was helpful!

just play dumb if your caught out.....say 'what.....u mean these weren't fitted as standard?' 'u see i would't know cos i'm not really a car person.......i like caravans etc etc'



and yeah, get some locking nuts.......i lived in upton up till 3 years ago when i moved, they'll nick anythin there lmao :lol: :lol:
mind u, if they do go missin i could find out where they were lol

I live in upton! and ye they will nick anything thats not bolted to the floor :lol:

Ignorance is no defence by law.

(things that don't increase bhp may still increase the premium as they make the car more desirable to thieves, aspecially if it's already a high risk. make it slightly different and it will attract more attention. both good and bad kind)

my mate has done his escort with body kit, alloys and tints, he hasnt told his insurance company, which i think is a very bad idea, on saturday this old woman ran into the back of me, her insurance company is sending someone out 2morow to asses my cars damage, if i had modified my car and not told my insurance company when the guy comes round he would notice, which would then really put me up a geek without a sadle coz it would void my insurance plus them fixing my car.
The best thing is to tell them, but be careful, if ur insurance company dont acept mods and u didnt realise till after u done them, ring em up and say, 'what would happen to my premium IF i was too....blah blah blah', if they say they wouldnt cover u just leave it as that, dont tell em, its a risky choice.
Neil

my mate has done his escort with body kit, alloys and tints, he hasnt told his insurance company, which i think is a very bad idea, on saturday this old woman ran into the back of me, her insurance company is sending someone out 2morow to asses my cars damage, if i had modified my car and not told my insurance company when the guy comes round he would notice, which would then really put me up a geek without a sadle coz it would void my insurance plus them fixing my car.
The best thing is to tell them, but be careful, if ur insurance company dont acept mods and u didnt realise till after u done them, ring em up and say, 'what would happen to my premium IF i was too....blah blah blah', if they say they wouldnt cover u just leave it as that, dont tell em, its a risky choice.
Neil

I modified my first car A LOT without mods declared and had some old duffer drive into the front of it. The insurance company said they'll send an accident assesment geezer down and made a convinient appointment. I thought shit, i've got loads of work now to return it back to standard before he turns up. HE ONLY TURNED UP UNANNOUNCED 2 DAYS EARLY! And took digital photos of the car, inside and out (even of things that were nothing to do with the claim). I still got away with it though and they paid out. I guess i was lucky then.

I declare mods now, though not every one of them. Also, the way you word/describe things makes a lot of difference too.