[hopeisimportant]

With my imminent GTA purchase, I've gathered an insurance quote to swap from my 2.0 TS.

All seems good until I thought about the mods to declare. Is Q2 something which must be declared?

I'm not sure how the insurance company would list it and how it might affect my premium.

Do all you people with Q2 fitted declare it or is it unnecessary?

 

[Luke Skywalker]

I wouldn't bother.

It's not performance enhancing, and they will never know anyway.

And I speak from a lot of insurance experience here.

There are a lot of urban myths about insurance, for example, if you don't have an MOT you're not insured... I can tell you now that I'm yet to see one insurance claim not to be paid for this reason.

 

[Joss]

You should always declare your mods. If you go with a good insurance company they will recognise that the Q2 actually makes the car safer and reduce your insurance. This is the same for brake and suspension upgrades. I have always used Adrian flux and found them very reasonable with mods added to improve the safety of the car which is what it does. I managed to offset the power mods against the improved handling mods so even though the JTD and GTA make more power than standard I pay no more than if the car was stock and it's all declared so I'll never have a problem should the worse happen :thumbs:

 

[Captain Slow]

Wouldn't bother telling about the Q2. You can only tell if its got one if you took the whole thing apart

 

[Luke Skywalker]

You should always declare your mods. If you go with a good insurance company they will recognise that the Q2 actually makes the car safer and reduce your insurance. This is the same for brake and suspension upgrades. I have always used Adrian flux and found them very reasonable with mods added to improve the safety of the car which is what it does. I managed to offset the power mods against the improved handling mods so even though the JTD and GTA make more power than standard I pay no more than if the car was stock and it's all declared so I'll never have a problem should the worse happen :thumbs:

You do realise Adrian Flux isn't an insurance company, don't you?

 

[Joss]

You do realise Adrian Flux isn't an insurance company, don't you?

Yeah I know it's a broker but I always use them as they seem to be able to get me a better deal on a modifed car than anyone else. I'm happy to listen if you know of a good insurance company who can get me a good deal though.

 

[Luke Skywalker]

Yeah I know it's a broker but I always use them as they seem to be able to get me a better deal on a modifed car than anyone else. I'm happy to listen if you know of a good insurance company who can get me a good deal though.

Oh OK... I was just checking

I always use Direct Line as I get a discount and I know a few people there so can get help for quick settlements and better settlements.

But in saying that, I took out a policy with Adrian Flux last night for my new Alfasud that I'm picking up today... Direct Line don't do classic cars...

 

[Luke Skywalker]

BTW, nothing better than adding a new Alfa to 'Member cars'

 

[Joss]

Oh OK... I was just checking

I always use Direct Line as I get a discount and I know a few people there so can get help for quick settlements and better settlements.

But in saying that, I took out a policy with Adrian Flux last night for my new Alfasud that I'm picking up today... Direct Line don't do classic cars...

tried them but they couldn't get near although they were better than most:thumbs:

 

[hopeisimportant]

I was thinking of it as an invisible mod that wouldn't matter for insurance. How do you describe it to the sales person on the phone at the other end?

Also, upgraded brakes from 305s to 330s - is this declarable? Again, I wasn't sure as they are standard Alfa factory fitted components. How will they know it didn't come with them?

Obviously I want to as honest as is necessary to make sure my insurance is sound, but don't want to declare things I'm not required to.

 

[Joss]

The chance off them checking is small. You have hit the nail on the head though. If you have to explain an upgrade to an insurer then are they really qualified to insure your car :think: I told mine I had the 330 upgrade which brought mine down

 

[Luke Skywalker]

I was thinking of it as an invisible mod that wouldn't matter for insurance. How do you describe it to the sales person on the phone at the other end?

Also, upgraded brakes from 305s to 330s - is this declarable? Again, I wasn't sure as they are standard Alfa factory fitted components. How will they know it didn't come with them?

Obviously I want to as honest as is necessary to make sure my insurance is sound, but don't want to declare things I'm not required to.

Your call, but I'm telling you that they won't notice and wont be bothered.

Like having points and not telling the insurance company, this wont 'invalidate' your insurance, if they ever find out after an accident, they will just make you pay the additional premium that you should have paid.

 

[gtaadict]

I also wouldn't bother telling your insurance, I use admiral they seem to always be the cheapest , I'm 23 soon and have 1 years no claims and have been quoted 1180.00 .

 

[Joss]

I have heard admiral were good but they couldn't get near my quote with the mods

 

[JR Racing]

Second Admiral for younger GTA owners. At 23 think my premium was about £1100 with no convictions but also 0Years NCB!!

Still with them and a couple of years later think it's down to like ~ £780

 

[Joss]

Second Admiral for younger GTA owners. At 23 think my premium was about £1100 with no convictions but also 0Years NCB!!

Still with them and a couple of years later think it's down to like ~ £780

Do I count as young at 26

 

[hopeisimportant]

Do I count as young at 26

YES! I'm also 26.


I don't see any real need to declare Q2 but I could always as on the phone. I will also ask about the uprated brakes.

 

[OperationAlfa]

Right here is the big deal about mods... if you insure your car with any old insurance company, you have to declare all mods. If you crash and mr inspector comes round and finds that you have coilovers when you declare no mods you will invalidate your insurance. The Q2 being internal, you may get away with.

Most insurance companies will not cover the cost to replace those mods which isnt great if you have spent a couple of grand on bits.

I use Greenlight insurance. They also cover the cost of replacing any damaged modifications in the event of an accident.

 

[Joss]

YES! I'm also 26.


I don't see any real need to declare Q2 but I could always as on the phone. I will also ask about the uprated brakes.

TBH if I didn't know about my broker was so reasonable about mods I may have neglected to mention Q2 as well

 

[PR]

There is always the argument with invisible mods like that Q2 that if you buy it second hand, you could claim you werent informed.

Word of warning with Admiral, I was with them (bell direct, same company) when I had my off in my previous GTA. They were absolutely terrible to try and get money out of, including lying to me and then sent an investigator out to delay things further!