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Insurance Q

Discussion in 'Motors' started by axer, 17 May 2006.

  1. axer


    Joined: 25 Mar 2004

    Posts: 2,880

    Location: Iwade, Kent

    Hi Chaps,

    As some of you may recall from my previous thread on the motors section, I'm currently looking at buying a second hand focus however I've stumbled across a questions that I'm hoping someone has the answer for.

    My preference is for a 1.6 with a zetec trim however I'll happily consider an LX as long as it has the alloy wheel optional extras (reason being, my insurance company wont let me change the wheels!)

    Question is, are the factory upgrade wheels counted as something you would need to inform the insurance company about or would it been fine to just say "its a 1.6 LX"?

  2. Scottland


    Joined: 18 Oct 2002

    Posts: 15,358

    Location: North Wales

    As far as I'm aware the question they ask is "Has the vehicle been modified beyond the specification/trim level after it left the factory"

    So as long as thats the way it was specified when it left the factory, you can just say it's a 1.6LX. I'd definately try and find a Zetec though.
  3. axer


    Joined: 25 Mar 2004

    Posts: 2,880

    Location: Iwade, Kent

    Thats what I beleived too, cheers!

    The LX has AC as standard but the Zetec has the nice wheels and the sportyer suspension (and fogs iirc?) I'd definately prefer the zetec.
  4. aztechnology


    Joined: 12 Aug 2004

    Posts: 2,503

    Location: Oop North

    When asked the modified question, I always say "To the best of my knowledge it's had no aftermarket mods".