I phoned my insurance broker today to find out whether body kit (chin spoiler and rear wing), roll-over bar and cat-back exhaust (total est £1000) would affect premiums, and two things were revealed:
1) My insurance broker doesn't know what a cat-back exhaust or a roll-over bar is
2) for the remaining 4 months of my policy, they would want an estimated extra £50-£75 (depending on exact cost), which represents a 30 - 45 % increase on my premium, as well as a increase in excess from £250 to £450!

He also told me, after having called the insurers, that "although they don't approve of this sort of thing, they would be willing to continue insuring the car". Bloody cheek! What do you guys do about non-performance modifications? Do you tell your insurers, or do you just swallow the cost if knackered? (12/99)

I told my insurance company about the body kit and said it was mainly for cosmetic reasons - it didn't make the car go any faster. Also I told them about the Jackson exhaust, and it never made any difference to the premium.

Also when I changed to Aon I told them about all these things and the hardtop, and the premium was still only 260. Change your insurance company, that's what I would do. (12/99)
When you renew try AON, apparently modifications do not make that much difference to the premium. My current and soon to be ex-insurance company Hastings said anything that increased performance - different filter and exhaust and exterior modifications would increase the premium. They charged 50 extra for having alloy wheels. (12/99)

I was just wondering what parts are or are not standard on a H-reg Roadster and which ones I should tell any potential insurance company about, the car is as follows. 1990 H-reg Classic Red Eunos

Rear Spoiler
Momo Steering Wheel
Steel Pedals
Black Alloys

I'm looking to do the following
Silver 14" Alloys
Wooden Gear Knob,
Handbrake Leaver,
Wood Finish On Dash
Dual Light Conversion (3/00)

Well, if it was me:

Tell 'em about the spoiler and the black alloys. The Momo wheel is probably standard (or have you changed it?). The metal pedals are illegal for street use anyway (that's why the Demon Tweeks catalogue says "For motorsport/show use only") Don't know where that leaves an awful lot of us - but mine is only the accelerator pedal that's ally.

I guess you should tell them about new non-standard wheels and dual lights - but where do you stop? Taking the stubber bar out of the ashtray? Replacing rusty nuts in the engine bay with new non-Mazda ones? Stick on notepads and phone holders?

I'm sure if everyone told their insurance companies about every last mod, the industry would grind to a halt. (3/00)
The metal pedals are not illegal .. but there was a court case that was lost after someone sued after crashing with the aftermarket ones fitted .. foot slipped or was trapped under the broader pedal in their go faster passion wagon :-) .... so Demon and Moss etc have to put the disclaimer on the products .. of course if they have no gripping features they could be illegal ... mine have raised rims on the countersunk holes (came off my first car..) (3/00)