Do i have to declare my modifcations to direct line?
You only have to declare modifications if they alter the value of the vehicle, i.e. if u make improvements which increase the cars overall value. Any modifications which change the cars performance also have to be declared because you could be insured on a 1.2 litre engine but have a race car, unbeknown to direct line! Such modifications which alter the cars performance include an induction kit, which is basically a glorified air filter. I know its long, but have a read of their set terms and conditions to see if it is vital to declare your particular modifications, as they sound cosmetic rather than performance changing. Although i agree with some of the other views expressed in other peoples answers, that insurance companies will try to squeeze every penny out of u, its also worth remembering that should something happen, your insurance company will only pay for repair or replacement of parts which they were aware of at the time the policy started. you therefore have to consider whet
Anything that chnages the vehicle from “standard” would have to be declared. This usually means around performance, but I guess fancy, expensive alloy wheels could fall into this category as well. If in doubt speak to Direct Line. Unlike some of the other answers I do not believe they will charge you for just anything……but will a realistic view of the modifications. At the end of the day, if you do not tell them and you have a claim, they could repudiate the claim on the basis of you not been forthcoming with the information……..you have an obligation of utmost good faith.
