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Post by dave1800 on Jan 16, 2015 1:11:31 GMT
I was asked a question a few days ago as to what constitutes a modification that must be reported to your insurers. As I am out of touch, I thought it would be helpful if people could share their knowledge here.
I don't think there is any difficulty interpreting mods with cars such as Andrew A's, but what about Nickrs' car with shock absorbers and electric water pump. Would programmable ignition be a reportable modification and how about different size wheels and tyres?
The rules possibly differ from one company to another and vary from country to country. My Google search wasn't very enlightening.
Thoughts.
David
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Post by andrewa on Jan 16, 2015 8:40:51 GMT
I tend to tell them everything and get it in writing....I use an outfit called Hagerty who can cope with worldwide cover if you're on a rally or some such....if that ever happens!!
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Post by peppib on Jan 16, 2015 10:17:28 GMT
A firm once told me a Moggy I owned would have a 25% excess as a modified vehicle because ....... it was painted a different colour to when it left the factory (although still blue) and had a red instead of a blue interior. I insured her elsewhere
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Post by Penguin45 on Jan 16, 2015 12:09:27 GMT
I've insured with Footman James for as long as I can recall. It's insured as an "S", as that was the simplest way of explaining the upgrades. They seem more concerned about whether or not the car has ICE, than whether it's been converted into a hot rod!
There is one firm whom I wouldn't insure with even if they paid me, but naming them on here could be held to be libellous.
Chris.
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Post by Nick RS on Jan 16, 2015 13:02:30 GMT
When I insured mine (with Lancaster) I got them to include all the oddball items on the car. I don't think any of it made a difference to the premium as there was no power hike and no costly extras. My view is that since the companies ask to be told about anything non standard it's best to declare everything you know.
A couple of decades ago I was involved in an accident. My car was stationary and I was not at fault. Even so that did not stop an insurance assessor visiting the bodyshop and going over the car (a Peugeot 309) with a fine tooth comb, looking at everything including tyre depths to see if they could throw the claim out. Wasn't pleasant to witness though the car was fine.
Nick
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Post by dave1800 on Jan 17, 2015 2:32:02 GMT
Other than the checks on tyres, brakes and the other MOT items I wonder if the insurance companies are actually able to identify any non standard parts that may be present. I was thinking especially of parts from later Lancrabs that may be fitted to earlier versions such as rod gear changes and handbrake levers between the seats as well as non standard Crab component such as non Girling brake servos. We know that the workshop manuals are not always accurate and there were Mk1.5 and Mk2.5 vehicles produced with odd mixes. After Dave's comments about the cheeky attempt to charge an additional premium for changing the trim colour is it worth listing everything you know of but adding a clause "to the best of my knowledge" and leaving it up to the insurance company to accept or inspect? As a metter of interest, Andrew, is your premium astronomical? David When I insured mine (with Lancaster) I got them to include all the oddball items on the car. I don't think any of it made a difference to the premium as there was no power hike and no costly extras. My view is that since the companies ask to be told about anything non standard it's best to declare everything you know. A couple of decades ago I was involved in an accident. My car was stationary and I was not at fault. Even so that did not stop an insurance assessor visiting the bodyshop and going over the car (a Peugeot 309) with a fine tooth comb, looking at everything including tyre depths to see if they could throw the claim out. Wasn't pleasant to witness though the car was fine. Nick |
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Post by Penguin45 on Apr 9, 2015 17:15:42 GMT
Just to add a little to this; my premium for the year on the Wolseley was £130. I have added the Austin to the policy for the rest of the year (8 months) for £36. Bargain!
Chris.
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