Packaging and Insurance

[alpaco45]

Greetings, everyone.I am eager but apprehensive to apply trim on my CLS.It seems that wrapping any trim without notifying my insurance company would be precarious.Would this be effective in mitigating any potential rise in charges?
Should they concur, in the event of an accident, whether attributable to my negligence or that of another party (preferably only in the case of my culpability), I would, at my own cost, repair or replace any item I have designated with my insurance company that has been damaged.
Considering that my surplus amounts to £800.
I am discussing the front grille (Panamericana), rear diffuser, side mirrors, door handles, and boot spoiler of the CLS63.

Surely they would be profiting?
Expenditures incurred by me
Front-end collision; the Panamericana grille costs around £320.
Rear-end collision, estimated cost for rear diffuser around £500.Potential boot spoiler priced at about £300.
A side impact may result in damage equivalent to around £300, perhaps affecting a door handle.Potentially £500 for a door mirror.

Consequently, my total expenditure would be below £800, which is my deductible amount.

Do you have any opinions?

[Chrishazle]

I see no issue with it, since the insurer may classify the incidence as "information only." You informed them that you were engaged in an accident that did not result in a claim on your insurance or that of the third party, in my opinion.

In May of last year, an individual collided with the rear of my vehicle. His car seemed to be significantly damaged, while mine sustained just cosmetic harm. I reported the incident to the insurance company after involving the police, since the other vehicle was uninsured and I incurred no repair expenses. Consequently, the insurance company categorised my claim as "information only."
Nonetheless, I presume you must disclose it with your next auto insurance application, and I think the relevant term is five years.

If there are expenses incurred, even if paid personally and exceeding xx pounds, and you inform the insurance provider, they may see the situation differently.
Enquire with your insurance provider, since their operations may vary about such matters.

[alpaco45]

I apologise; I meant to convey that despite the body damage to my vehicle, I would still cover the specified goods and modifications included in my policy.A frontal accident necessitated the replacement of the bonnet, wing, and grille.
Since the grille will be Panamericana, I will purchase a new grille as stipulated in my modification statement.
The objective of this is that the insurer will not be liable for any modifications I have made, while I get comprehensive coverage as usual, and they cannot claim that the policy is void due to undeclared modifications.

[alpaco45]

The primary assertion is that, having disclosed the modifications and received their consent about my responsibility for their replacement, they would not impose any further charges on my coverage.

[carBlacken]

I recommend consulting your insurance carrier, since I know of one insurer that does not provide coverage for vehicles that have been 'wrapped,' either entirely or partly.

[Matt865]

It is not just concerned with the worth of the alterations. The insurance company may categorise an individual who has made certain modifications as a 'boy racer' and hence a greater risk, which I am convinced the original poster is not.

[ML350_Colin]

Precisely; one might assert so about any component. "Rest assured, Mr. Insurance Agent, I will cover the cost of the upgraded turbo in the event of an accident." Premiums are influenced by several factors beyond the cost of replacing components.