[ronnie paton]

when they ask about water tank/modifications they take this into account when issueing premium ie its more £

so surely the modification is insured on thepolicy ie the tank/system not poles and equipment

i mean if your mod was a 22 inch alloys and engine being chipped they would pay out more than the book price for a basic because of the mods

right or wrong

[Ste M]

depends ronnie to be honest, i had a heavily modified subaru that was stolen, i received full payment for the car plus modifications due to it being in my policy as an extra, it stated on my insurance that everything was insured like for like. although you are declaring them it doesnt mean that they will pay out extra for it. insurers will do ANYTHING (as im sure your fining out) to get out of paying full whack

[ronnie paton]

i know, the brokker said it was but insurance company are saying not.

i dont understand why you declare it has a mod so there aware this is part of the vehicle has its bolted to chasis??

[TomCrowther]

If you are buying a new or newish vehicle, a good idea is to take out an additional policy for the "gap" between what they will pay out in a claim and the actual cost to you. If you are unlucky enough to get the van/car nicked in the first year or so, you will get far less than you would imagine.

[George P]

ronnie, i think that they need to know tank etc but it isnt the tank they are insuring, its more likely as it may be a higher risk to steal (as you unfortunatly know), to insure the tank etc they need to be under differant terms albeit could be on one policy, hope that helps a bit cheers george

[♠Winp®oClean♠]

I think it's as much about the effect of the mod' than it's cost for insurers. Nice set of alloy wheels will be a higher theft risk. A faster modified engine will be seen as a higher accident risk. Any mod' could pose a higher risk to insurers in many ways.