What's new
By:
Filters
ClioSport.net

Register a free account today to become a member!
Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

  • When you purchase through links on our site, we may earn an affiliate commission. Read more here.

Honest opinions needed on this mod. Genuine answers please chaps.



AlexCarter

AlexCarter

Right, age old discussion yada yada yada.

Phoned insurance to ask about mods. Asked for a quote on tinted windows, sportex exhaust, wheel colour change, 172 bumper and coilovers.

Bearing in mind my premium was £2257 in October last year, they wanted an additional...


£6254.

After much laughter with the lady on the other end it turns out the bumper was causing the huge 6 grand extra, and everything but the bumper would be about £270. Not too bad I thought. So my question is, do I really NEED to declare the 172 bumper? I told her it was from a different Clio, and was near identical. Would they really kick up a fuss in the event of (touch wood), a claim?
 
C

Chip-mk1

  182/RS2/ Turbo/Mk1
You have just explained to us all that your insurance company feel so strongly about the bumper that they have added 6K to the quote, so I think that answers the question about how they will feel over a claim with it fitted.

Also be aware calls for quotes are recorded and that information is shared between insurers, so if you try and insure someone else without declaring it and are later going to try and plead ignorance in court while trying to get them to still pay out, that they might happen across that recording.
 
AlexCarter

AlexCarter

JAParker said:
doubt anyone would notice.
Click to expand...

George182 said:
Take the mods off - ALL of them.

Its pointless spending that kind of money to make a clio look different.
Click to expand...

Chip-mk1 said:
You have just explained to us all that your insurance company feel so strongly about the bumper that they have added 6K to the quote, so I think that answers the question about how they will feel over a claim with it fitted.

Also be aware calls for quotes are recorded and that information is shared between insurers, so if you try and insure someone else without declaring it and are later going to try and plead ignorance in court while trying to get them to still pay out, that they might happen across that recording.
Click to expand...

The only mod I can't be bothered to deal with removing are the tints, and that on it's own was their smallest fee. Something like £20. So I'll probably leave that on, remove everything else, and declare the tints.

Christ this is depressing, all this time spent doing things only for it to have to come off. But yeah that's my own ignorant fault for not thinking of insurance.

Hello standard boring Clio..
 
C

Chip-mk1

  182/RS2/ Turbo/Mk1
LiamR172 said:
Flol at 6k charge for changing the bumper. Seriously is insane!!
Click to expand...

It probably was a different underwriter, the first one probably didnt do body modifications so when the broker requoted with the bumper they had to use someone else who does but then wasnt anywhere near competitive for a young driver.
 
DAN@ADRIAN FLUX

DAN@ADRIAN FLUX

ClioSport Trader
  Renault 5
AlexCarter said:
Right, age old discussion yada yada yada.

Phoned insurance to ask about mods. Asked for a quote on tinted windows, sportex exhaust, wheel colour change, 172 bumper and coilovers.

Bearing in mind my premium was £2257 in October last year, they wanted an additional...


£6254.

After much laughter with the lady on the other end it turns out the bumper was causing the huge 6 grand extra, and everything but the bumper would be about £270. Not too bad I thought. So my question is, do I really NEED to declare the 172 bumper? I told her it was from a different Clio, and was near identical. Would they really kick up a fuss in the event of (touch wood), a claim?
Click to expand...
Hi,
If you need any assistance with insurance at all please feel free to drop me a line.
Regards,
Dan.
 
I

Inequality Street

  Golf 7.5R & Clio 200
You drive a clo, its a clio bumper. Whats the problem?

Pretty sure if my Nan bought a clio that had a sport bumper, she wouldnt have a clue so obviously wouldnt declare it.
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
What difference does it make if it's a clio bumper or not? It's not the bumper which was originally on the car.

If you crash with a non declared 172 bumper fitted you will get sweet f*ck all in terms of a payout. FACT.
 
AdDaMan

AdDaMan

ClioSport Club Member
Liam. said:
What difference does it make if it's a clio bumper or not? It's not the bumper which was originally on the car.

If you crash with a non declared 172 bumper fitted you will get sweet f*ck all in terms of a payout. FACT.
Click to expand...

FACT. LOL
Has it happened to you? No> didnt think so...

Its not fact.
What is a fact is that no insurance company would EVER know weather it was a standard bumper or a 172 bumper.
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
You're seriously retarded and extremely naive. OP, go for it. Let us know how you get on.
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
AdDaMan said:
No, i am neither. Have i had first hand experience, yes.
Have you? no.
Click to expand...

So you're saying a company, which specialises in insuring cars, wouldn't know whether a particular bumper was a standard, factory fitted item or not? What planet do you live on? Of course they would know.

Jesus H! How stupid are people these days?!
 
Rob

Rob

ClioSport Moderator
I'm with Ad.

They'd never notice.

If you fitted a max power rear bumper, sure, but one off of a 172? The guy would have be a CS member himself to notice it ffs.
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
Sorry Rob, you're wrong. They would know. Then again I don't have "first hand experience" like 'addaman' has.

If it's not a factory fitted item, it has to be declared. It really, really, is that simple.

Plus, insurance companies will try EVERY trick in the book to get out of a payout.
 
D

Dan...

ClioSport Club Member
Rob said:
I'm with Ad.

They'd never notice.

If you fitted a max power rear bumper, sure, but one off of a 172? The guy would have be a CS member himself to notice it ffs.
Click to expand...

This.

Forgive me if I'm being naive, but how could the insures possibly know every single car part, on every single type of make & model of car to decide if ia part is standard or not??

They would have to know clio's to know its a different bumper surely?
 
AdDaMan

AdDaMan

ClioSport Club Member
lol, why are you arguing? Just for the sake of it? You literally live on another planet if you think that anyone from any insurance company would know the difference between a clio V6 and a f**king 1.2 let alone a bumper change that subtle.
Ho much time do you think they get to check a car over and move on? They dont do forensics and then get on the forums and find out if each and every panel and suspension component is standard you muppet. Jesus.
 
JCC

JCC

They might notice.

They might notice because you've mentioned it to them and it's noted on their system now, so they may make a point of making their engineer check if they have to send one out. You can't say for certain they wouldn't.

As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.
 
Rob

Rob

ClioSport Moderator
JCC said:
They might notice.

They might notice because you've mentioned it to them and it's noted on their system now, so they may make a point of making their engineer check if they have to send one out. You can't say for certain they wouldn't.


As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.
Click to expand...

I'd agree with that, and I'd also not fit it now because you've asked. If you'd not said a word, I mean, how were you to know that's not the correct bumper.

JCC, I find that last sentence a little hard to believe. What if dorris bought a clio, and someone had fitted megane wheels to it? Would she get no pay out even though she had no idea? Does that imply that everyone should have a full vehicle inspection done before insuring it?
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
JCC said:
As for people saying they have "experience" that they'd never notice, I've witnessed an insurance assessor come into my work and refuse a payout on a VW Polo because it had VW Golf wheels on it, undeclared. You can't be sure, it's a risk you'll take.
Click to expand...

I've known a lad that had his Bora reversed into by a delivery truck many years ago, battered the whole side of his car, his insurance wouldn't pay out because the front bumper/splitter or whatever wasn't a standard item on whatever spec he had.
 
Rob

Rob

ClioSport Moderator
Liam. said:
I've known a lad that had his Bora reversed into by a delivery truck many years ago, battered the whole side of his car, his insurance wouldn't pay out because the front bumper/splitter or whatever wasn't a standard item on whatever spec he had.
Click to expand...

Well that's funny, because surely it wouldn't be his insurance paying a penny?
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
Rob said:
Well that's funny, because surely it wouldn't be his insurance paying a penny?
Click to expand...

I don't know the ins and outs of the situation as I'm not friends with him, it's just someone that I 'know'. The jist of it is that whatever problems he encountered was due to him not declaring a particular part.
 
AdDaMan

AdDaMan

ClioSport Club Member
Exactly.
My first car i had a Glanza, all i ahd declared were the 2 most obvious things, alloys and exhaust. Nothing else.
It had seats, induction, suspension, BCC, actuator etc...
Wrote it off and had it inspected. They said nothing and gave me the £6500. Granted this was a fair while ago now but the fact remains.
 
Rob

Rob

ClioSport Moderator
Liam. said:
I don't know the ins and outs of the situation as I'm not friends with him, it's just someone that I 'know'. The jist of it is that whatever problems he encountered was due to him not declaring a particular part.
Click to expand...

And there you've said it.

You've basically pulled something out of the rumour mill with no real world knowledge of it.

In both of my insurance cases, not a single buggery was given about any bits and bobs on the car. I'm also pretty sure Ad works/worked within insurance?

I'm glad you're internet/rumour based opinion is 100% correct though, making us retarded.
 
C

clioben182

  Megane 225 f1
I used to have a 1.2 clio. I put 182 grille on it, lowered it 30mm and put 182 wheels on it. (all in all 10 bhp ;)) I didnt declare the mods then accidently wrapped it round a lampost. Rear axle ripped out the floor extensive body damage bent shell and all airbags went off, 182 wheels nackered along with the tyres. Luckily I was ok, I had kept my nice new shiny clean standard wheels and springs. I put the standard wheels and springs on and then the assesor came out took one look at it and said yea its knackered! Didnt spot the new clean wheels and tyres (although the car was covered in crap and looked out of place) neither did he spot the rs grille.
 
JCC

JCC

Rob said:
JCC, I find that last sentence a little hard to believe. What if dorris bought a clio, and someone had fitted megane wheels to it? Would she get no pay out even though she had no idea? Does that imply that everyone should have a full vehicle inspection done before insuring it?
Click to expand...

This is the thing, there are probably thousands of cars on the road technically uninsured (think options lists on BMWs, Mercs etc) due to their owners being unaware, but as we know if insurance companies see a way out of spending money they will take it.

The lad who owned the Polo I mentioned only had it a few months and had bought it like that from a main dealer and was unaware, made no difference to a jobsworth assessor having a bad day. As I said, you may get away with it, you may not, it's a chance you take.
 
M

Munson

Rob said:
Well that's funny, because surely it wouldn't be his insurance paying a penny?
Click to expand...

I could be wildly incorrect, but as far as I know, it's always your insurer who pays out, and then invoices the third party insurer. If that's the case, then having Jenson Button's rear wing bolted to the back of your 1.2 Clio probably won't wash. Regardless of who is at fault?

Either way, this thread is funny. Talk about a snail trail to jail. Jesus.
 
Ray Gin

Ray Gin

ClioSport Club Member
  Cupra Leon & Impreza
Rob said:
And there you've said it.

You've basically pulled something out of the rumour mill with no real world knowledge of it.

In both of my insurance cases, not a single buggery was given about any bits and bobs on the car. I'm also pretty sure Ad works/worked within insurance.

I'm glad you're internet/rumour based opinion is 100% correct though, making us retarded.
Click to expand...

Oh shut up you tart, it wasn't something I'd randomly picked out of the 'rumour mill' this thread reminded me of something which was relevant, the point still stands that he had issues due to a non declared part!

Also, your* :p
 
TheEvilGiraffe

TheEvilGiraffe

South East - Essex
ClioSport Area Rep
If it's a front one, it'll need wings too or it'll look daft .. also then you'll need a wider track as the wheels won't stick out far enough.

3 people on this site might notice in a photo. No one on the street will notice or care. It won't make the car any faster or IMO look any better. 1.2s still look like 1.2s unless a full conversion is done on the body work .. then there's still probably a sunroof giving it away. They also still go like 1.2s as .. well...... I'll let you work that one out.

Total waste of money IMHO.
 
Rob

Rob

ClioSport Moderator
clioben182 said:
I used to have a 1.2 clio. I put 182 grille on it, lowered it 30mm and put 182 wheels on it. (all in all 10 bhp ;)) I didnt declare the mods then accidently wrapped it round a lampost. Rear axle ripped out the floor extensive body damage bent shell and all airbags went off, 182 wheels nackered along with the tyres. Luckily I was ok, I had kept my nice new shiny clean standard wheels and springs. I put the standard wheels and springs on and then the assesor came out took one look at it and said yea its knackered! Didnt spot the new clean wheels and tyres (although the car was covered in crap and looked out of place) neither did he spot the rs grille.
Click to expand...

This is the one that gets me, I just don't get it, other than if it got stollen (desirability), your different styled grille makes no difference to your car. Same as a bumper.

Wheels, sure, they can affect handling with widths and sizes, headlights, springs, all items that affect things. I'd always insure springs/non OEM different sized wheels/anything proper.
 
You must log in or register to reply here.


Top