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my insurance renewal is coming up soon, and depending on prices, i may change companies. all mods declared at the moment, but for the sake of saving a few quid, are there a few mods that i could get away with not declaring?

i was thinking of keeping quiet about the sports cat, as it looks exactly like a standard one, and i wasnt going to mention the eibach roll bars or the gta intake pipe.

wheels/shocks and springs/filter/backbox/manifold will be declared, as they are "obvious".

what do people think?
 

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And I would imagine the difference in price between some mods and some more mods is small.
No mods and some mods is where they hit you.
 

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What's a mod?

Would you have to declare any item on your car that wasn't OEM?
Just bought some Bosch headlamp bulbs from Halfrauds as one of mine was out, is that a mod as it's not in a Alfa box?

You break an Alfa wheel, after you find out how much a new one (if you can get one for a 10 year old car) costs, you buy a cheaper full set of alloys (with tyres) is that a mod?

It's a tricky minefield, the GTA intake modification, mod on paper, but an 'error' in practice?

In my case the insurance will try and pay out as little as they have too. (My car written off after uninsured third party drove into it), after their excess and removal of the next 12 months premium from my claim I was left with A LOT less than they told me I'd be getting at the start of the claim.

Don't give them the chance to weedle out of their obligation to put right what's gone wrong in the event of an accident or theft.
 

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Years back, on my 145 QV, I replaced the exhaust because it started blowing. Becuase it was cheaper than OEM, I had a SS exhaust fitted.
My insurance company at the time, after I described the situation to them, agreed that this did not constitute a modification, as my reason for fitting was not to increase performance, and there was no gaurantee of performance increase by the fitters.

To be honest though, I was never 100% comfortable with what would happen if I had a claim from that point onwards. I should have got it in writing from them really.
 
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