KEITHBRADLEY17
Member
- Posts
- 40
- Location
- Northumberland
hi i have a freelander 1 td4s if i fit leather seats would it effect my insurance as i am just changing from cloth to leather
leather seats
- Thread starter KEITHBRADLEY17
- Start date
This site contains affiliate links for which LandyZone may be compensated if you make a purchase.
ZDomZ
New Member
- Posts
- 1,723
- Location
- South Norfolk
It's a modification.... So you "should" inform your insurance company...... Some will not alter the premium some may refuse to insure as it is modified.
Some people would not inform the insurance, and to be honest it is not something that is likely to ever be an issue, if your car is involved in an accident and an assessor looks at it he won't know if it came from the factory like it or if it has been added later.
Its one of the reasons I like genuine accessories and higher spec optional extras.....
It is true though that if you have undeclared accessories that your insurance may refuse to payout in the event of a claim. Some may refuse to pay anything and others may refuse to cover the accessories. It is a bit of a mine field and in some ways is as much a gamble as crossing the road!
Some people would not inform the insurance, and to be honest it is not something that is likely to ever be an issue, if your car is involved in an accident and an assessor looks at it he won't know if it came from the factory like it or if it has been added later.
Its one of the reasons I like genuine accessories and higher spec optional extras.....
It is true though that if you have undeclared accessories that your insurance may refuse to payout in the event of a claim. Some may refuse to pay anything and others may refuse to cover the accessories. It is a bit of a mine field and in some ways is as much a gamble as crossing the road!
Optimus Prime
Well-Known Member
- Posts
- 5,988
- Location
- Garden of England
tbh you are better to tell them. If it was stolen, they could argue the leather makes it more desirable.
I only know as I've just declared a couple of modifications to my van: deadlocks and armaplates - apparently now more likely to be targeted as it looks like there's something worth stealing ! Needless to say they won't be getting my business.
I only know as I've just declared a couple of modifications to my van: deadlocks and armaplates - apparently now more likely to be targeted as it looks like there's something worth stealing ! Needless to say they won't be getting my business.
as the above guys have said ins companies only have to find any reason not to pay out
also not sure if they would increase the premium , maybe there is a higher fire risk on a leather seat by a dropped cigarette etc over a cloth seat????
i advised the ins company when i converted my van hippo to 5 seats and had to get a bracket welded for the seat belts in the back, then had to get it re mot'd v5 changed and sent them a copy before they would continue with my insurance and there was no change
also not sure if they would increase the premium , maybe there is a higher fire risk on a leather seat by a dropped cigarette etc over a cloth seat????
i advised the ins company when i converted my van hippo to 5 seats and had to get a bracket welded for the seat belts in the back, then had to get it re mot'd v5 changed and sent them a copy before they would continue with my insurance and there was no change
Tannaton
Active Member
- Posts
- 288
- Location
- Beverley, East Yorkshire, UK
I think you would be safe fitting leather seats from another FL - it would be almost impossible for them to ascertain if they were fitted by you at a later date or fitted at the factory as an upgrade. It's not something that they would be interested in anyway as it doesn't change the risk profile, but as others have said it has been shown that sometimes they will capitalise on any slight modification as a reason not to pay out. In this case though the only change is the seat covering material. How many of us have fitted roof bars, light guards, side steps, alloys etc?
As for gstuart's situation - changing the seating capacity of a vehicle is a major modification in the eyes of insurance companies and the DVLA. Although it's a minor mod in a FL commercial which was designed as a 5 seater anyway. Had he not had the V5 amended he would have been committing an offence carrying more than 2 passengers (exceeding stated seat capacity).
As for gstuart's situation - changing the seating capacity of a vehicle is a major modification in the eyes of insurance companies and the DVLA. Although it's a minor mod in a FL commercial which was designed as a 5 seater anyway. Had he not had the V5 amended he would have been committing an offence carrying more than 2 passengers (exceeding stated seat capacity).
