Overhaulin'

limited edition car-how to declare to insurance company??

Am getting a Corsa Capitol which is the same as a Corsa Club but with a 'plus pack' included at a good price. The extras are alloys, paint, cruise control, fog lights, which dont come on the basic Club model. However, insurance companies dont have th option for the Corsa Capitol, but the dealers do advertise the car as a Capitol limited ed, so technically its not modified from original spec.... the limited ed car will be clearly worth more than the base model with these extras.. i just dont want to be left out in the cold should the worst happen- *apologies for my ramble- its confusing!* pls help asap :) I need to purchase the insurance asap as the dealers need the insurance documents before i can have it- the car is a pre registered 57 plate (September) so insurance companies havent got it recognised on their systems yet :(

Public Comments

1. Getting extra coverage from your insurance agent would be the best route. He will probably need to see and inspect it to do so, so call him and make an appointment.
2. When you give the insurance company the VIN they should know that it is a special model. If you want to make sure you're covered, tell them, it might cost you a little more in premiums but would be worth the cost if you total the car.
3. I think when you get your insurance quotation you are asked the value of the car. Add in the extra's to that price so you are covered.
4. Just give the insurance company the registration number - they will know how they handle it. If it is a factory model that is not modified from that factory spec you have nothing to worry about.
5. There was a case recently of an insurance company trying to get out of a claim because of factory fitted alloy wheels. They were a specifiable option but not standard. I'd go the route of modified yes, factory fitted and list the extras.