Declaring mods on insurance (you didn't know about!)


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Mapster
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By some weird quirk of fate I ran into the previous owner of my car on saturday night at a filling station.

He informed me the car was lowered and chipped.

Thing is, what's the score with my insurer? I don't know much about either chipping or lowering, so do I just phone em up and tell em and hope they don't put up the premium too much?
#1 at 16:24:20 - 17/12/2007
WOPR
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If you don't tell them you're not insured.
#2 at 16:51:17 - 17/12/2007
Mapster
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I guess it's a trap anyone could fall into then? I would have had no way of knowing except for a chance meeting.
#3 at 16:53:17 - 17/12/2007
Hughes.
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Loss adjusters rarely know to look for such things, my old Corolla GTi-16 had quite a lot of good kit fitted as standard, like strut braces and OZ wheels, when it had a big smack the insurance assessor asked if these were modifications, and I told him they were standard, which they were. He took me at my word. I know for a fact it also had some ridiculously hard tuning by the previous owner, but nothing was visible, and the 40mm lowering springs I got from TRD were black, so looked like standard stuff.

If the lowering springs aren't bright red and the chip is hidden in the ECU, no insurer will take the time to rummage around that much. Unless the car has undeclared 20" rims and huge aftermarket body addenda or a silly pearlescent paintjob, they'll just save money the old fashioned way, by trying to shaft you on the "value" of the car if the worst comes to the worst.
#4 at 17:07:19 - 17/12/2007
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If you can't notice it's lowered then whoever lowered it did a shit job!
#5 at 17:20:06 - 17/12/2007
Mapster
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Thanks Hughes, I suspect that the 'chipping' is a software remap as 1.7 pumas are often remapped to an FRP mapping (Ford Racing Puma). The springs aren't bright red either so I'd never have guessed.

As for not knowing they were lowered I've never had experience of lowering of any kind so it's kind of over my head. I showed some pics to other puma owners and they reckon she's lowered by 40mm.
#6 at 18:19:49 - 17/12/2007
Retroid
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/Has no idea what any of this is about

/Thinks a car lowered by 40cm would be scraping the ground

/Hasn't a clue about cars except for PGR4 / Flatout / Burnout
#7 at 19:30:48 - 17/12/2007
Khab
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If I chip my Opel Agila, will I be able to...drive.. backups then?
#8 at 19:59:02 - 17/12/2007
Mapster
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Retroid said:/Has no idea what any of this is about

/Thinks a car lowered by 40cm would be scraping the ground

/Hasn't a clue about cars except for PGR4 / Flatout / Burnout


Hey mate, I'm in the same boat as you, I now nothing about these mods.

I'm worried that my insurance company knows all about them though!
#9 at 23:32:10 - 17/12/2007

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