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Insurance and modifications #691461
02/03/21 11:12 AM
02/03/21 11:12 AM
Joined: Sep 2018
Posts: 256
E
Esprit Offline OP
Learner Plates Off!
Esprit  Offline OP
Learner Plates Off!
E

Joined: Sep 2018
Posts: 256
Is there any definitive reference about what modifications / additions should be notified for car insurance? I always assumed that performance related upgrades were relevant but I have seen comments that just about any undisclosed changes to the car could void insurance.


Tom
2018 Plus 4
Re: Insurance and modifications [Re: Esprit] #691463
02/03/21 11:32 AM
02/03/21 11:32 AM
Joined: May 2010
Posts: 7,878
Llanelli
sospan Offline
Talk Morgan Guru
sospan  Offline
Talk Morgan Guru

Joined: May 2010
Posts: 7,878
Llanelli
It depends on the insurance company. They seem to have different views on how mods affect liability/risk.
Generally, performance mods tend to be the ones they look for. Another aspect is that claims for damage might be restricted to standard parts costs. Expensive after market parts may not be covered, just the equivalent standard part value.
It is always advisable to ask the insurer. I have never had problems as never gone in for expensive mods.
For a Morgan I think the specialist insurers will be more amenable and understand the mods situation than a general insurer. The specialist insurers would be aware of known aftermarket suppliers as being good as opposed to non specialists suppliers.


Red Plus8
Re: Insurance and modifications [Re: Esprit] #691477
02/03/21 01:48 PM
02/03/21 01:48 PM
Joined: Aug 2015
Posts: 1,011
A
Arwyn Williams Offline
Has a lot to Say!
Arwyn Williams  Offline
Has a lot to Say!
A

Joined: Aug 2015
Posts: 1,011
Speak to your broker.

Was advised that a change to a 5 speed gearbox in my seventies 4/4 did not need to be declared even though I would consider it a performance mod. However, however a change to stainless wire wheels would be due to the increased cost of a replacement wheel

Arwyn

Re: Insurance and modifications [Re: Esprit] #691486
02/03/21 04:51 PM
02/03/21 04:51 PM
Joined: May 2019
Posts: 27
Poole, Dorset
A
AlyMatt Offline
Just Getting Started
AlyMatt  Offline
Just Getting Started
A

Joined: May 2019
Posts: 27
Poole, Dorset
I recently had the Clubsport exhaust and remap and new stainless wire wheels to replace the painted wires - I let Headley know and there was no increase in premium. I think this is the general experience if using one of the Morgan" specialist" brokers but it is still important to let them know even if it is a cosmetic type upgrade.


AlyMatt
2019 Ivory Plus4
Re: Insurance and modifications [Re: Esprit] #691498
02/03/21 05:40 PM
02/03/21 05:40 PM
Joined: Aug 2013
Posts: 13,868
Salisbury, UK
Peter J Offline
Formerly known as Aldermog
Peter J  Offline
Formerly known as Aldermog
Member of the Inner Circle

Joined: Aug 2013
Posts: 13,868
Salisbury, UK
I informed my insurer, NFU, that I'd fitted winter wheels and tyres.
Their response was "good".
But no premium reduction....


Peter,
V8s are best....
Tarka the 'Otter Mog....2014 Plus 8
AMG C63 Estate.


Re: Insurance and modifications [Re: Esprit] #691500
02/03/21 05:56 PM
02/03/21 05:56 PM
Joined: Dec 2009
Posts: 27,176
Devonshire
+8Rich Offline
Member of the Inner Circle
+8Rich  Offline
Member of the Inner Circle

Joined: Dec 2009
Posts: 27,176
Devonshire
TBH why wouldn't you let your insurer know about any changes wink when it's common knowledge that they will look for any excuse to save paying out unless you are with an established Morgan Specialist company who I have found faultless in my dealings with them.
Having said that I don't like bolt on bits and pieces so my changes are just inclusion of younger family members on various occasions over the years.


Regards Richard

1999 Indigo Blue +8
2009 4/4 Sport Green prev
1994 Connaught Green +8 prev





Re: Insurance and modifications [Re: Esprit] #691529
02/03/21 10:21 PM
02/03/21 10:21 PM
Joined: Jun 2020
Posts: 78
S
StevieMac Offline
Just Getting Started
StevieMac  Offline
Just Getting Started
S

Joined: Jun 2020
Posts: 78
I let my insurer know I was having the SSL suspension fitted, I was expecting them to dream up a reason to charge me but just requested a small admin fee to make a note of the work.

I was happy with that.

Re: Insurance and modifications [Re: Esprit] #691541
03/03/21 07:33 AM
03/03/21 07:33 AM
Joined: Nov 2018
Posts: 3,091
Northants, UK
TBM Offline
Talk Morgan Addict
TBM  Offline
Talk Morgan Addict

Joined: Nov 2018
Posts: 3,091
Northants, UK
I've bit the bullet and advised my insurer (Footman James) of all the changes from standard spec. Everything from Wider wheels, AVO shocks,4 pot calipers, 4 leaf rears, to LED bulbs, door stays and bonnet belt. Will let you know how I get on.......


1972 4/4 4 seater - 3G Morganeer
Too many ratty motorbikes
Re: Insurance and modifications [Re: +8Rich] #691581
03/03/21 11:05 AM
03/03/21 11:05 AM
Joined: Sep 2018
Posts: 256
E
Esprit Offline OP
Learner Plates Off!
Esprit  Offline OP
Learner Plates Off!
E

Joined: Sep 2018
Posts: 256
Originally Posted by +8Rich
TBH why wouldn't you let your insurer know about any changes wink when it's common knowledge that they will look for any excuse to save paying out unless you are with an established Morgan Specialist company who I have found faultless in my dealings with them.
Having said that I don't like bolt on bits and pieces so my changes are just inclusion of younger family members on various occasions over the years.


I agree. If I was having a flash upgrade it would only be sensible to notify it. On the other hand it wouldn't occur to me that thermal wrap on the intake trunking was an insurance issue, but owners wouldn't be doing it unless it was beneficial so arguably a minor performance upgrade. Is it hat type of minor 'tweaking' that may be questionable?


Tom
2018 Plus 4
Re: Insurance and modifications [Re: Esprit] #691583
03/03/21 11:21 AM
03/03/21 11:21 AM
Joined: Dec 2009
Posts: 27,176
Devonshire
+8Rich Offline
Member of the Inner Circle
+8Rich  Offline
Member of the Inner Circle

Joined: Dec 2009
Posts: 27,176
Devonshire
Originally Posted by Esprit
Originally Posted by +8Rich
TBH why wouldn't you let your insurer know about any changes wink when it's common knowledge that they will look for any excuse to save paying out unless you are with an established Morgan Specialist company who I have found faultless in my dealings with them.
Having said that I don't like bolt on bits and pieces so my changes are just inclusion of younger family members on various occasions over the years.


I agree. If I was having a flash upgrade it would only be sensible to notify it. On the other hand it wouldn't occur to me that thermal wrap on the intake trunking was an insurance issue, but owners wouldn't be doing it unless it was beneficial so arguably a minor performance upgrade. Is it hat type of minor 'tweaking' that may be questionable?

I understand totally where you are coming from and had you have asked me the same question ten years ago I would have taken a far more relaxed approach. The world is a lot more chasing the money these days so yes I would always give the insurance company the option of including any modifications onto the policy nowadays however minor they might appear to us.

I guess an insurance expert is what you need to comment really, if we have one onboard maybe they would like to take a step forward, we can only comment from the end user perspective.


Regards Richard

1999 Indigo Blue +8
2009 4/4 Sport Green prev
1994 Connaught Green +8 prev





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