At least Dave you'll know what you are up against Some companies will say, ok thanks for letting us know, say on a set of new alloys to replace the old ones, some will say your insurer will tolerate no "modifications at all".Originally posted by dave225:
[qb]My general feeling is to own up and see what they say - so the choice is not so much whether to tell, but whether to buy the bits. [/qb][/b]
A truer word could not be spoken, very well put SGouldOriginally posted by sgould:
[qb]In theory you have to tell them everything. It's up to you to let them know what they are covering so they can assess the risk.
If you have an accident and the assessor finds something he's not happy with then you won't get any money.
In practice i would say that if you have done something to improve you car's performance or handling then you should tell them. If you are replacing a worn part with a pattern part that is not described as performance enhancing you should be OK, but you can't be 100% sure.
I think you would be OK if you fit another make of tyres as long as they are the same size and speed/load rating as in the handbook.
High performance brakes - tell them. You will probably be seen as a fast driver who goes into corners faster and brakes at the last second. Lower suspebnsion = faster cornering = higher premium.
They want to make money. They want to do this without an excuse. You give them one and they will charge more.
But don't tell them and they will not pay out and save even more money. Heads you lose tails they win.
Now how much do you really want that Stage 4?