Hi,

In the event of a claim where undeclared 'modifications' are found to a car, are insurance companies allowed to charge you the an additional premium and increase you excess even if the modifications had nothing what so ever to do with the circumstances of the claim?

In my case my car had metallic paint and alloy wheels which were just optional extras but my insurance company classes them as 'modifications'. The car was written off by flood water entering the engine due to a flash flood on the road while travelling at around 5-10 mph. As far as I can see the metallic paint and alloys are irrelevant to this event. They want to increase my premium by 106 pounds and my excess by 200, so it will cost me 306 in total. This is what they say the cost of my polict would be if I had declared them. Does it not seem a little high? My premium was only 450 so they are saying that alloy wheels would have added nearly 25% to the premium!!

I'm just wondering what FSA regulations would apply to this? I didn't think that Insurance companies were allowed to penalise policy holders for minor contractual breaches unless it actually had resulted in a loss to the insurance company.

Does anyone know the FSA regulations, I am struggling to find anything but brief overviews on Google.

Cheers,

Becs