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Thread: Auto Express impact of mods on car insurance (if declared)

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    Auto Express impact of mods on car insurance (if declared)

    The cheapest premium for the vehicle as standard was 467. Here's how much it increased when modifications were added:

    Ford Focus ST Line

    Standard car: 467

    Aftermarket alloys: 490 (+4.93%)

    Increased performance badging: 504 (+7.92%)

    Uprated brakes: 510 (9.21%)

    Aftermarket sat-nav: 518 (+10.92%)

    Decals/stickers: 541 (+15.95%)

    Chipped engine management (ECU): 553 (+18.42%)

    Upgraded suspension: 553 (+18.42%)

    Roof spoiler: 554 (+18.63%)

    Nitrous oxide (NOS) kit: 1,296 (+177.52%)

    Additional turbocharger: 1,296 (+177.52%)
    Love the 8% premium for go faster badges. Now how many NA folk have put a turbo badge on their tailgate - come on, own up.

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    I'm part of the furniture Events Organiser Westy's Avatar
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    Brakes improvement increasing the premium is beyond me...surely that should decrease the premium lol
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    Quote Originally Posted by Westy View Post
    Brakes improvement increasing the premium is beyond me...surely that should decrease the premium lol
    I can see for insurers there would be a couple of issues with brake upgrades. Foremost would be have they been done correctly so the front rear balance isn't thrown out which would create instability and then there would be the higher chance of being rear ended as not everyone travels around on upgraded brakes increasing the opportunity to be involved in an accident.

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    Me? Post? Never! Club Member squiffy's Avatar
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    Posting is my life! Club Member evinX's Avatar
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    Anyone company that increases the price for bigger brakes needs to be turned down. When i fitted my UK brakes and told insurance, they told me they saw this as a safety precaution and that they will update my modifications list and wont charge anything

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    Quote Originally Posted by rider View Post
    I can see for insurers there would be a couple of issues with brake upgrades. Foremost would be have they been done correctly so the front rear balance isn't thrown out which would create instability and then there would be the higher chance of being rear ended as not everyone travels around on upgraded brakes increasing the opportunity to be involved in an accident.
    I doubt it's either of these.

    People who upgrade brakes are more likely to be in an accident because a portion of those people will drive too fast.

    In short, not all enthusiasts who modify cars are good drivers, in fact some are distinctly BAD drivers. A higher proportion of brake upgraders will drive in a way that increases their risk than those that don't upgrade.

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    I can post! Club Member Darren M's Avatar
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    The premium goes up 16% for having stickers on. WTF !!

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