Car Insurance Factory Fitted Options

  • 4 min read
  • Jul 22, 2021

I had reversing sensors fitted and when I informed my insurance company and was chatting to the operator I found that the factory fitted options Fords sports pack 1 on a C-Max also needed to be declared. Car immobilisers have been compulsory on all cars made since 1998.


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A mate of mine just told me he thinks you have to declare all factory fitted options to your insurance company but I think you only have to declare after market mods.

Car insurance factory fitted options. For cars older than this youll need to check. However if these are declared and youre charged an extra premium then its ridiculous that the insurer wont replace like-for-like items. I recently bought a Focus ST3 with Nav and stlye pack as optional extras but didnt declare them to the insurance because I didnt think I needed to.

Compare and Save up to 283 Today. You phone them up and insure it without declaring the options And say book price is 16000. If your car is already highly modified an improved braking system may reduce your premium as much as 10-15.

Some might have been fitted with an immobiliser at the factory and others might have had them installed later. A modification is anything made after the car leaves the factory that alters the standard specification or the appearance of the car. Ad UK Car Insurance Quotes from 110 Providers.

Most insures will have access to all new vehicle specs so they know what they are insuring. So that implies that sunset glass would definitely be more than 30 and hence attract additional premium from Direct Line. Ad UK Car Insurance Quotes from 110 Providers.

2011 A3 SPORTBACK 20 TDI 140 LAVA GREY COMFORT PACK INTERIOR LIGHT PACK HIGH BEAM ASSIST BLACK HEADLINING TYRE PRESSURE MONITOR PRIVACY GLASS ALUMINIUM ROOF RAILS REVERSIBLE BOOT LINING FOLDING MIRRORS. Factory fitted usually means that the car has a specific additions as specified in the manufacturers brochure. 2013 XFR IRR with ivory rear camera voice TPMS adaptive lights.

Any factory fitted extra will bump the price up from a standard spec – but in the event of a theft you can prove the full spec of the vehicle. If you have purchased a brand new car since 1998 chances are you will have an immobiliser fitted. If the car is brand new and cost you 18000 inc options.

No factory fitted options are not classed as modifications. I wonder how many other people who have factory fitted options are aware that they need to declare them as the vehicle is not standard build. Immobilisers have been compulsory in new cars since October 1998.

However most cars are factory-fitted with suitable brakes already. What options are we talking about. If the wheels were instead of the standard ones then Id say you are OK to ignore.

If an immobiliser was fitted after this date and at the time of manufacture it makes it a factory-fitted immobiliser. My understanding is factory fit options are not required to be declared if they are applied at the time you purchase the car. Upgrading the engine without upgrading the brakes.

If so are there any insurance companys that do not increase premiums for such items thanks. If its a modification then this will bump the price up – as its either more desirable or more likely be involved in an accident if you can push the car harder faster – eg. A change to manufacturers standard specification is anything made after the car leaves the factory.

Privacy Glass – Factory fitted options and insurance – brum Reading around it seems that standard car glass usually has a native tint of approx 20. Compare and Save up to 283 Today. It then catches fire and is written off.

This is what nationwide Building Society say about factory fitted options-Are factory fitted options classed as modifications to my car. If they are added after then they do. Options like an armrest rain-sensing wipers etc shouldnt have to be mentioned but items like non standard alloys a body kit leather interior etc must be mentioned to the insurer.

Ive just checked my insurance wording and it does not count factory fitted options but does count accessories. No factory fitted options arent classed as changes to manufacturers standard specification. The easiest thing to do is check your owners handbook.

However if you have bought second-hand car there is a. So if your car was made after this year youve got one. If your car isnt modified or only has a few modifications like alloy wheels or suspension your premium is unlikely to be affected.


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