right, I currently driver a 5 door 75sx which i am keeping.

It is modified a little, lowered 50mm and alloys, with standard skirts (gt) and colour coding. Im now 19 and have 1 years ncb and 1 year (nearly 2) driving experience.

So far with alloys and lowering declared the lowest i can find is £900 tpff, but have been quoted £450-500 with just alloys declared.


I dont want to have a crash and be told that my insurance company wont be paid out and that the police want to take further action as i was technically driving without insurance. From others on this forum and other forums its clear that people do not declare mods to save money, e.g. splitter/bumpers and engine mods.

£400 is a lot to pay extra each year on car insurance and i would much rather pay less. If for example i did not declare all mods (lowering) and had a crash, could the insurance company null my insurance, or are they more likely not to bother to inspect the car, and/or not be fussed about alterations. please note i do not in any terms want to be driving illegally.


thanks and your opinions wanted


adam