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nigel99
Barcelona


Joined: 16 Jul 2015
Posts: 1352
Location: Berkshire

2009 Porsche 997 Carrera 2S

PostPosted: Thu Mar 03, 2016 2:41 pm    Post subject: Insurance and Modifications Reply with quote

What is the level of detail is required when declaring modifications to an insurance provider?

Should I be informing them mid term if I have added PSE fitted or H&S Pipes?

What about adding grilles or changing adding a 911 decal? Should these be declared?

What impact will these have on the premium?
_________________
Current: 997.2 C2S, Audi TTS mk3
Previous: Cayman 987.1, Audi TT mk1 , BMW e46
 
  
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FRP
Albert Park


Joined: 30 Apr 2014
Posts: 1692
Location: Middlesex


PostPosted: Thu Mar 03, 2016 3:07 pm    Post subject: Reply with quote

Tell them everything,,,,,,the 8a5tard5 will get out of paying if anything bad happened and it came to light that you had not declaired anything

I tell classicline everyting and it makes no as damm difference to the premium
#
Honesty is the best ploy every time
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2002 996tt x50 manual in bassat black - 9eXX
 
  
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Disco
Estoril


Joined: 13 May 2008
Posts: 3977
Location: Hertfordshire

2010 Porsche 997 GT3

PostPosted: Thu Mar 03, 2016 3:34 pm    Post subject: Reply with quote

Exactly this ^.

Just tell them everything and you never have to worry about being exposed. With Manning it only takes an email and has never involved a premium adjustment (not that my mod list is long - Alcon disks, Pagid pads, SRF fluid, wider front tyres and a 4 litre RS clutch assembly).
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Colin

Black 997 GT3 3.8 CS - Acquired for the 2012 season and beyond
Black 996 GT3 Mk2 - Gone, but will never be forgotten
 
  
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F15HAR
Spa-Francorchamps


Joined: 30 Aug 2013
Posts: 357
Location: Utrecht N.L & Northumberland U.K


PostPosted: Thu Mar 03, 2016 3:47 pm    Post subject: Reply with quote

Insurance companies rely upon "utmost good faith" Ie relying upon their customers to be honest and true and provide them with information to the best of their knowledge, however they do not assume that every customer is a Porsche officianado or mechanic and therefore there is a somewhat grey area as to what the average customer can reasonably be expected to know as standard fitment and what may have been fitted aftermarket.
Obviously if it can be proved unequivocally that something has been altered or modified during the period of your ownership then it's obvious that it must be declared, if it was a modification that is undetectable to the lay person but would alter the premium then it's a judgement call for you personally.
I think it depends greatly on your personal circumstances and insurance company in question, some clearly accept modifications whilst many others decline to even offer a quote as soon as any modification is mentioned.
I always buy insurance over the phone rather than online and provide fairly vague answers, such as "as far as I am aware" " it appears to be" etc all calls must be recorded and kept for 6 months for FCA compliance.
If their call taker has made a mistake then it's their problem, if you completed the online form then the fault or omission is all yours
_________________
Current car
Audi RS6 Avant. 704PS 1024 nm

Previous Porsche
02 996 Turbo,Aero kit, 450BHP
06 Cayenne
02 Boxster S
96 Boxster 2.5
 
  
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RXBoxster
Monza


Joined: 31 Jul 2015
Posts: 216
Location: Preston - Lancashire


PostPosted: Thu Mar 03, 2016 4:26 pm    Post subject: Reply with quote

i just dont insure my porsche Smile
 
  
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MJA911
Sepang


Joined: 10 Dec 2013
Posts: 2843
Location: Berkshire

2012 Porsche 991 Carrera

PostPosted: Thu Mar 03, 2016 8:31 pm    Post subject: Reply with quote

The most likely response if your mod isn't for increasing performance is the premium won't change but they'll charge you a £30 admin fee for changing your policy (this how AIB treated my H&S pipes). You may save a few quid by telling them about a few mods all at once as they may not have the brass neck to charge you for each one Thumb
_________________
991.1 C2, 986 Boxster S
Past pleasures: 997.1 GT3, 997.2 C4S Cab, 993 C2, 997.1 C2S, 996.1 C4
 
  
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DerbyJim
Imola


Joined: 25 May 2014
Posts: 753
Location: Surrey


PostPosted: Thu Mar 03, 2016 11:06 pm    Post subject: Reply with quote

The frequent response I've had is "does it effect horsepower?"

If not, declare it and usually free (I've tried the standard ones Aviva, Admiral etc.
 
  
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Rockunrolla
Albert Park


Joined: 27 Dec 2011
Posts: 1695
Location: Yorkshire


PostPosted: Thu Mar 03, 2016 11:16 pm    Post subject: Reply with quote

I said mines got a big yellow sticker on ! They said that's ok Question Mr. Green
_________________
Current -
997 C4S cab manual black
Lambo huracan
RR sport
T6 camper
Harley fat bob

Ex- FERRARI California
Ex - 991 S PDK - Aero kit guards red/yellow wrapp.
Ex - Red 997-Man Coupe-Aero kit
Ex - Silver 996 C4 Tip Cab
 
  
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DerbyJim
Imola


Joined: 25 May 2014
Posts: 753
Location: Surrey


PostPosted: Fri Mar 04, 2016 12:30 am    Post subject: Reply with quote

Rockunrolla wrote:
I said mines got a big yellow sticker on ! They said that's ok Question Mr. Green


If that's a wrap, then it looks lovely!

Think I remember a thread of yours a while back....?
 
  
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MaxA
Albert Park


Joined: 11 Oct 2015
Posts: 1661
Location: Helsinki


PostPosted: Fri Mar 04, 2016 5:26 am    Post subject: Reply with quote

I have never worried about cosmetics, but you would certainly want to declare anything that affects the performance, and which you might like to have reinstalled in the event of a claim, ie an upgraded PSE exhaust, new rims. I would also migrate to a specialist insurer which is mod friendly > the big volume outfits tend to charge just for thinking about it.
_________________
997.2 Carrera4S: white over blue, driven and tracked, seldom clean.
 
  
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nigel99
Barcelona


Joined: 16 Jul 2015
Posts: 1352
Location: Berkshire

2009 Porsche 997 Carrera 2S

PostPosted: Sat Mar 12, 2016 4:45 pm    Post subject: Reply with quote

Ok, well I just contacted Admiral and gave them the full list all mods. Impact was £28.50! I hate dealing with insurance companies and expected the worst but can't complain about this at all and now I can sleep like a log knowing that I am covered.
_________________
Current: 997.2 C2S, Audi TTS mk3
Previous: Cayman 987.1, Audi TT mk1 , BMW e46
 
  
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e92
Monza


Joined: 25 Apr 2016
Posts: 175
Location: Reading


PostPosted: Wed Jun 01, 2016 12:07 pm    Post subject: Reply with quote

Hi Guys,

I'm looking to buy my first Porsche tomorrow if all goes well. I have contacted both admiral and classic line to get quotes. In the interest of comparison I said the car was stock except for an exhaust. Admiral is about £200 cheaper however they hinted that if the car has adjustable suspension that its 'high risk' and would need approval from the underwriters.

My question is does anyone have any experience in insuring a porsche with adjustable suspension with the above two insures? Reading the above post classic line seem to be ok with modifications however not sure if they would be ok with suspension mods.

Regards
 
  
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