#1: Is this a stupid question...? Author: MrMac, Posted: Thu Apr 09, 2015 3:40 am ---- Hello. I have changed the rear lights to phase 2, going to do the headlights and change the tailgate trim from the old black style to the phase 2 style. The question is, would this be something you would have to tell the insurance company about? Possible modification..
Cheers
#2: Re: Is this a stupid question...? Author: macca1411, Location: Westhoughton, LancashirePosted: Thu Apr 09, 2015 4:04 am ---- Yes.
Anything that wasn't fitted as standard when the car left the factory should be declared. With some insurance companies this even includes stickers.
#3: Re: Is this a stupid question...? Author: MrBSI, Location: What's it to you? ? ?Posted: Thu Apr 09, 2015 4:54 am ---- Seeing as it takes seconds to look up the exact spec a PSA Peugeot / Citroen product rolled out the factory with, its not worth risking not declaring a modification
#4: Re: Is this a stupid question...? Author: Carlos_WR1, Posted: Thu Apr 09, 2015 5:01 am ---- It should be declared but as with any modification especially subtle ones, its so tricky.
Whilst i appreciate what has been said above and do not dispute whats been said, some insurers will offer a bit of leniency depending on what the modification is.
There are instances where people buy a car second hand that have had such modifications, because they do not necessarily know that the changes made prior to purchasing the car are not factory standard, they do not disclose them, not all insurers would penalize you for this.
If you have knowingly changed something on the car from standard, then it is best to let your insurers know.
#5: Re: Is this a stupid question...? Author: Addaz, Location: SuffolkPosted: Thu Apr 09, 2015 12:44 pm ---- I wouldnt worry in that much detail. Even people who work at peugeot wouldnt notice the difference
#6: Re: Is this a stupid question...? Author: JordHaze, Location: WarwickshirePosted: Thu Apr 09, 2015 1:01 pm ---- All of my mods so far are were classed as optional extras and when I told my insurance company, they didn't seem to car as it was an option at time of manufacture.
#7: Re: Is this a stupid question...? Author: Seatock789, Location: MorecambePosted: Fri Apr 10, 2015 1:07 pm ---- I think it's a bit of a grey area as how am I supposed to know what the factory / standard spec is on my 206 without looking it up? Most people don't have access to this info, so if say Nimrod alloys where fitted after it left the factory instead of the factory steels and it has passed through a number of owners before it ends up with me, how could I be expected as an ordinary person to know it should have steel wheels?
#8: Re: Is this a stupid question...? Author: Vexs, Location: LondonPosted: Fri Apr 10, 2015 3:17 pm ---- Ignorance is not an escape clause I'm afraid. It is your job as the owner of the car to find out if it's modified or not.
Having said that how far will an insurance company go to check to see if everything is legit and above board is entirely down to each company.
If it worth the risk? Not really considering it could void your insurance. Insurance companies don't charge that much extra for switching parts between different spec models and if your lucky they'll only charge you for admin fee's especially when parts on these old 206's aren't worth much these days anyway.
#9: Re: Is this a stupid question...? Author: Seatock789, Location: MorecambePosted: Sat Apr 11, 2015 7:16 am ---- Your average 206 owner or any other vehicle owner will not know what the vehicle rolled out of the factory with, it may be easy to tell standard alloys for example with aftermarket alloys but what about different alloys from the Peugeot factory?
If an insurance company took it to the extreme then you would have to tell them about every single change no matter how small, so something as simple as changing a bulb or tyre to a different make you would have to tell them.
It would be interesting to hear from someone in the insurance industry about this subject.
#10: Re: Is this a stupid question...? Author: JordHaze, Location: WarwickshirePosted: Sat Apr 11, 2015 7:59 am ----
Seatock789 wrote:
Your average 206 owner or any other vehicle owner will not know what the vehicle rolled out of the factory with, it may be easy to tell standard alloys for example with aftermarket alloys but what about different alloys from the Peugeot factory?
If an insurance company took it to the extreme then you would have to tell them about every single change no matter how small, so something as simple as changing a bulb or tyre to a different make you would have to tell them.
It would be interesting to hear from someone in the insurance industry about this subject.
My brother works in insurance, and he said he doesn't acknowledge mods, because he mods his own car, however, other people at the branch do ask every single mods, even optional extras. It varies person to person.
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