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(Post Link) post #1 of 32 Old 11-01-09 Thread Starter
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Do I declare Koni / Eibach upgrade to insurers

Hi All

I am thinking of upgrading my 147 with Koni FSDs and Eibach Pro Kit Springs.

Is this something that I should declare to my insurers?
If so does anyone have any idea if this is likely to add much to my premium? I'm 26 with 4 years no claims and with Direct Line.

I'm tempted to just not mention it to them but wanted to see what you guys might recommend on this.

Thanks
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Re: Do I declare Koni / Eibach upgrade to insurers

You ought to declare this - an ins. co. might well view this as a performance mod. and use it as reason to repudiate a claim if you haven't told them. Not a situation you want to be in.

Don't know the effect on premium. Many insurers won't insure modified cars but modified means different things to different companies. Performance mods especially disliked of course.
 
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Re: Do I declare Koni / Eibach upgrade to insurers

The thing is though, where would you draw the line.

You could buy direct replacement shockers and not tell the insurance company, as they are direct replacements. What would you class as perfromance upgrades though that is the question.

I would still tell them though as you are better to be sure. Just say it has had aftermarket springs and shock absorbers fitted.


How many people tell the insurance company when they fit different brands of tyres or brake pads I wonder, as technically you have altered the cars spec from standard...

Last edited by symon; 11-01-09 at 16:05.
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Re: Do I declare Koni / Eibach upgrade to insurers

I would.
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Re: Do I declare Koni / Eibach upgrade to insurers

I've just recently sorted out my insurance. After trying a number of different brokers I ended up with Adrian Flux (Ensign policy) although my previous policy was with Premium Choice (Highway Insurance). Both very competitive and both aimed at modified vehicles. I would never suggest keeping quiet about any mods as the savings don't outweigh the possible aftermath of an accident.

If you really want to save money on your insurance the simple answer is the IAM (Institute of Advanced Motorists) Advanced Driving Challenge. It cost around £100 and will have save you thousands by the time you hang up your string-back driving gloves and cap.
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Re: Do I declare Koni / Eibach upgrade to insurers

It doesn't actually cost a whole lot more to declare your mods, you just need to be with the right insurance company. Most of the high street companies frown upon mods, others that accept mods can sometimes be even cheaper than a standard policy.

Cheers,

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Re: Do I declare Koni / Eibach upgrade to insurers

Definitely declare this mod to your insurers, if you want to be actually insured..
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Re: Do I declare Koni / Eibach upgrade to insurers

the only mods i found that increase premiums(and this is from my first car to my current) is engine modifications/power increases.
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Re: Do I declare Koni / Eibach upgrade to insurers

And after market wheels..

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Re: Do I declare Koni / Eibach upgrade to insurers

I found tinted windows and a zender spoiler did as well.
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Re: Do I declare Koni / Eibach upgrade to insurers

Declare the mods, I did and it cost me very little extra.
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Re: Do I declare Koni / Eibach upgrade to insurers

Just checked by generating a new quote on Tesco Insurance homepage that i am paying an extra £400 for the suspension, 18" wheels and flywheel.

I think the wheels and lowering add the most on, the flywheel doesnt help either.

Tesco do allow modifications and are worth a try. I'm 24 and not many other insurers would do it.
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Re: Do I declare Koni / Eibach upgrade to insurers

I very much doubt the insurance company would check the flywheel in the event of a claim.

Still best to tell them though.
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Re: Do I declare Koni / Eibach upgrade to insurers

Hi all

Thanks for the replys. I have just spoken to direct line. Interestingly the Koni FSD's don't add anything to the premium The Eibach Pro Kit however adds and extra £250 per year and brings up the excess by the same again. This is a little more than I was hoping for although still tempted to go for it.

One option would be to replace just the shocks although this does feel a little bit like only doing half the job. Especially considering the Eibachs are rated so highly and that the extra fitting labour would be minimal as when doing them at the same time as the shocks.

I could try other insurers but not sure if I would get much of a better deal.
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Re: Do I declare Koni / Eibach upgrade to insurers

Oh btw.

My garage has quoted me £977 for the whole lot.
£550 for parts and £300 labour + VAT @ 15%.

Does this sound about right
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Re: Do I declare Koni / Eibach upgrade to insurers

an extra £250 on your premium? you 17?

that labour/fitting charge sounds high, i paid £220 all in for fitting of shocks and springs..
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Re: Do I declare Koni / Eibach upgrade to insurers

i paid 60 euro for fitting my coilover kit...
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Re: Do I declare Koni / Eibach upgrade to insurers

Source the parts yourself, I got mine delivered and inclusive of VAT for £530.

Labour should be £200-£250 + VAT (or not if you can get away with paying cash)..

If you take it to a garage that have a fair amount of work on they are going to charge more than one that is struggling to find work.
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(Post Link) post #19 of 32 Old 17-01-09 Thread Starter
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Re: Do I declare Koni / Eibach upgrade to insurers

Aziraphale - I'm 26 not 17 with 4 years no claims so I would have hoped for less of an increase on my premium.

Does any one know of any mod friendly insurers.

Pud237 - I did a long search on the parts myself and te best I could find was £630 (inc VAT & Delivery) for Koni FSDs and Eibach Pro Kit.
Can you let me know where you have found them cheaper?
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Re: Do I declare Koni / Eibach upgrade to insurers

Quote:
Originally Posted by Iorma20 View Post
Aziraphale - I'm 26 not 17 with 4 years no claims so I would have hoped for less of an increase on my premium.

yeah, thats why i said it, as only a very young driver should get hit with that sort of increase.

have you tried adrian flux? theyre mod friendly. my car plus all mods is 530 tpft, think it would have been 1012 fully comp, and thats for a 24 year old (at the time of purchase) with 1 years ncb.
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Re: Do I declare Koni / Eibach upgrade to insurers

Quote:
Originally Posted by Iorma20 View Post
Aziraphale - I'm 26 not 17 with 4 years no claims so I would have hoped for less of an increase on my premium.

Does any one know of any mod friendly insurers.
I've been with Admiral or Bell (same company) for the past 3 years and they don't have a problem with LHD car.

They also want about 10 more for each declared mod: suspension (I have a Bilstein B12 kit), exhaust, etc.

Give them a try, their quotes have been very low compared to other insurers.
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(Post Link) post #22 of 32 Old 17-01-09 Thread Starter
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Re: Do I declare Koni / Eibach upgrade to insurers

I have just called Adrian Flux and Admiral.

Admiral say they will not cover the car due to the fact that the upgrade will lower the car by about 30mm.

Adrian Flux have quoted me £750 fully comp with all extras like protected no claims, personal injury cover, european cover, and an excess of £250.

I'm really happy with this quote considering Direct Line came in at £950 with a huge excess of about £850. Plus with the Adrian Flux policy any further mods should not cuase too much of a problem to add on.

I'm prob gonna go with this I just need to work out a way of getting the whole kit fitted for about £800.
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Re: Do I declare Koni / Eibach upgrade to insurers

Definitely tell the insurer particularly for something obviously visible to a loss adjustor. That said - because I'm a natural cynic - I strongly believe if your tell the insurer mid term any increase in premium might be higher than if you tell them at renewal time, when they want to keep your business. Mid term they've got you over a barrel because it will cost you to change insurers. Question is how much of chance do want to take of an incident occurring before you renew?
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(Post Link) post #24 of 32 Old 17-01-09 Thread Starter
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Re: Do I declare Koni / Eibach upgrade to insurers

btw does anyone have any pictures of a 147 lowered on the Eibach Pro Kit. I'd love to get an idea of what mine would look like?
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Re: Do I declare Koni / Eibach upgrade to insurers

The 166 will be having my planned upgrade Koni Sports/ Eibach combination in the next couple of weeks. The insurer has upped my premium by 20% for the shocks/springs plus the recently added Raggazzon exhaust.
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