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[The Sheriff]

.....when you guys get your tools out and change engines or bits of bodywork or suspension etc., do you let your insurance company know?
I've had some crazy quotes which have stopped me buying just because someone has chavved it up a liitle.

[The Sheriff]

And another one (sorry), are you honest about your annual mileage? (In general..don't incriminate yourself on here)
I ask because, when I mentioned to my next door neighbour that my premium had gone up due to mileage, they said they only insured for 5000 but did 8 or 9.

[4x4]

All my mods are declared on frontera,3" suspension lift,lpg,towbar,and can add mods when they are done,milage i say 8k and normally do around 5k .

[taitinson]

And another one (sorry), are you honest about your annual mileage? (In general..don't incriminate yourself on here)
I ask because, when I mentioned to my next door neighbour that my premium had gone up due to mileage, they said they only insured for 5000 but did 8 or 9.

Never more than 6k for me 

[Marks DTM Calib]

my declared mileage is 25k and usually do slightly less.

Mileage is easy to check via MOT certificates and hence its a risk if you claim.

[The Sheriff]

my declared mileage is 25k and usually do slightly less.

Mileage is easy to check via MOT certificates and hence its a risk if you claim.

Nail on the head with hammer IF you claim. I think most people reckon/hope that's not gonna happen.

[minifreek]

Depends on the modifications....

If they was an optional extra at the time of ordering the car originally, they don't need to be declared...

i.e... An Omega Elite, could have left the factory with or without the Irmscher bodykit, suspension, exhaust and wheels... Just standard installation on some MV6's... The parts are 'type approved' so aren't deemed aftermarket so not a modification, they dont need to be mentioned at the time of insurance renewal...

So I understand it

[The Sheriff]

Depends on the modifications....

If they was an optional extra at the time of ordering the car originally, they don't need to be declared...

i.e... An Omega Elite, could have left the factory with or without the Irmscher bodykit, suspension, exhaust and wheels... Just standard installation on some MV6's... The parts are 'type approved' so aren't deemed aftermarket so not a modification, they dont need to be mentioned at the time of insurance renewal...

So I understand it

Yes. Be nice if the insurance company saw it that way too. 

[Webby the Bear]

I generally declare a couple of thousand miles over what i usually do because insurance companies are evil and will use anything to get outta paying. so just in case....

[Broomies Mate]

My Insurance company told me (and it is in the small print) that Mileage will not affect the insurance cover, but may increase the excess.

eSure is the company, although for about 4-5 years previous I was with Elephant.

I am insured for 10k per annum.  Last year, I covered just shy of 4k.  Had I exceeded the 10k, I would still be insured, but they may increase my excess in the event of a claim.

[Elite Pete]

Blimey, a scally with insurance. Whatever next

[chrisgixer]

[Field Marshal Dr. Opti]

I hate insurance companies.

Along with  greedy overpaid bankers they would be my choices should Frank Skinner invite me to take part on Room 101.

Shithead Jeremy Kyle would be choice number three.

[05omegav6]

Oddly enough, those three all make money out of peoples abject misery not that I am in any way, shape or form cynical. Oh no, not me    

[chrisgixer]

Anything not Oe I declare. All the Irmscher stuff, the lpg, and the brakes.

Haven't bothered with ice stuff, minimal actual cost there anyway, and non of it is visible.

Although, the Irmscher stuff was all a factory fit option, which shuts them up nicely. The fact some parts are no longer available, like some springs, means fitting other parts gets some riggle room.