bennettimp
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| posted on 16/10/14 at 12:02 PM |
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car insurance - Roll cages
has any one in truth, not admitted to having a roll cage in the car when you have bought an insurance policy?
it's just that the moment you say you have one, they either don't want to know, or the price goes up by 99999x times .... exaggerated a
tad.. but the point is, they make the car safer and no one on the phones seems to understand the personal injury chance is so much less.
all i want to do is drive the car occasionally down to local sprint tracks, and anything that happens on the track is not part of insurance policys
anyway, unless specific policys like Adrian flux.
i know it could void the insurance if an accident took place but, were talking 150-200 quid to near 800 or 650 3rd party, at the moment of admittance
to it having a cage. 
advice welcome.
[Edited on 16/10/14 by bennettimp]
[Edited on 16/10/14 by bennettimp]
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Mikef
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| posted on 16/10/14 at 12:07 PM |
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I think anything that might invalidate your insurance is not worth the risk , its not just the insurance for your car and or 3rd party car supposing
some one is seriously hurt or worse , and there is a mega personal injury claim.That would bankrupt most people.
I think you have answered your own question and go to Adrian Flux or similar and get a one off quote from one of their specialist underwriters, you
might be surprised at how reasonable they are. I was.
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whitestu
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| posted on 16/10/14 at 01:01 PM |
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It's just not worth it. Either pay the premium or don't fit a roll cage. If you think you need a roll cage on a road car you can hardly
blame the insurance company for thinking you might be more of a risk than the average driver.
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jeffw
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| posted on 16/10/14 at 01:16 PM |
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Cages in tintops with inertia belts and no helmets can kill people in pretty low speed accidents. Which is probable why there is a loading for them.
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loggyboy
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| posted on 16/10/14 at 01:23 PM |
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As above, much better to hit a soft head lining and thin metal sheet than a cds tube. At least with a bare head.
Will also be down to statistics, 2 main types of cars with cages, road rally cars and boy racers, both must have high claim rates.
Mistral Motorsport
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spiderman
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| posted on 16/10/14 at 01:39 PM |
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If it's a locost then you could weld the cage and tell them it's an integral part of the chassis and designed that way for saftey. If its
in your spaceframed Imp then I think you may strugglr to convinve them that you are a sedadate driver.
I believe that some insurance companies will pay out for personal injury to 3rd parties even if your insurance was void due to a modification, they
probably would not pay for your losses, but don't quote me on that.
If you do declare the roll bar and you only drive the car to and from the track could you not get a limited mileage policy which may help reduce
costs.
Spider
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morcus
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| posted on 16/10/14 at 01:50 PM |
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I've got a feeling the pay the other party then sue you for the money in those cases, it's definitely not worth the risk.
In a White Room, With Black Curtains, By the Station.
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ian locostzx9rc2
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| posted on 16/10/14 at 01:58 PM |
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When I have insured my kitcars I have never been asked if I have a rollcage!
[Edited on 16/10/14 by ian locostzx9rc2]
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nick205
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| posted on 16/10/14 at 02:01 PM |
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Save the money on insurance, road tax etc. and rent a trailer to get it to/from the track?
If the insurance really is ~£800 a year, that's a few trailer hires and some cash for fuel and track days.
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fishywick
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| posted on 16/10/14 at 03:17 PM |
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There are some dangers as others have pointed out. However lots of road rally cars have them fitted.
I would try one of the specialist motorsport insurance companies :
REIS
Competition Car Insurance
etc
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AndyW
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| posted on 16/10/14 at 04:39 PM |
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quote:
Originally posted by Mikef
I think anything that might invalidate your insurance is not worth the risk , its not just the insurance for your car and or 3rd party car
supposing some one is seriously hurt or worse , and there is a mega personal injury claim.That would bankrupt most people.
I think you have answered your own question and go to Adrian Flux or similar and get a one off quote from one of their specialist underwriters, you
might be surprised at how reasonable they are. I was.
Text
with regards to that, your insurance would still have to pay out for any 3rd party claim, they just wouldn't pay out for your car. Not worth the
risk.
[Edited on 16/10/14 by AndyW]
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iank
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| posted on 16/10/14 at 05:21 PM |
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quote:
Originally posted by AndyW
quote:
Originally posted by Mikef
I think anything that might invalidate your insurance is not worth the risk , its not just the insurance for your car and or 3rd party car
supposing some one is seriously hurt or worse , and there is a mega personal injury claim.That would bankrupt most people.
I think you have answered your own question and go to Adrian Flux or similar and get a one off quote from one of their specialist underwriters, you
might be surprised at how reasonable they are. I was.
Text
with regards to that, your insurance would still have to pay out for any 3rd party claim, they just wouldn't pay out for your car. Not worth the
risk.
[Edited on 16/10/14 by AndyW]
Be careful, some now have terms in for invalidated insurance where yes they do pay out the 3rd parties, but then they can pursue you for the full
value of the claim through the courts.
--
Never argue with an idiot. They drag you down to their level, then beat you with experience.
Anonymous
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will121
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| posted on 16/10/14 at 05:45 PM |
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quote:
Originally posted by fishywick
There are some dangers as others have pointed out. However lots of road rally cars have them fitted.
I would try one of the specialist motorsport insurance companies :
REIS
Competition Car Insurance
etc
I've previously had a comp car insurainsurance between stage policy on a track day fiesta, limited mileage unlimited modifications including
full cage just needed to list them and was £300
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bi22le
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| posted on 16/10/14 at 07:45 PM |
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Is this a tin top?
I never disclosed my full cage on my Mac1. Even though it is an extra.
Track days ARE the best thing since sliced bread, until I get a supercharger that is!
Please read my ring story:
http://www.locostbuilders.co.uk/forum/13/viewthread.php?tid=139152&page=1
Me doing a sub 56sec lap around Brands Indy. I need a geo set up! http://www.youtube.com/watch?v=EHksfvIGB3I
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bennettimp
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| posted on 20/10/14 at 03:47 PM |
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quote:
Originally posted by jeffw
Cages in tintops with inertia belts and no helmets can kill people in pretty low speed accidents. Which is probable why there is a loading for them.
Yes, quite aware of this! its an ex lotus elise racer, full harnesses etc all still in fia regs, i had to bite the bullet in the end, i guess my age
still goes against me (26) even with 8 years NCB, i just went with a really limited mileage. It's so i can test brakes etc after working in the
garage on it, and get it to the tracks when needed. Yes I have a trailer on top, but it's very handy to be able to nip it down the road on
occasion. switching to the Elise from a radical which i have had the last 2 years, it's good to be back in a road legal car. : )
[Edited on 20/10/14 by bennettimp]
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DAN@ADRIAN FLUX
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| posted on 23/10/14 at 07:48 PM |
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Hi,
Have you tried us for insurance at all? Most of our specialist schemes have no issues with roll cages fitted. If you need a quotation then please feel
free to drop me a line.
Regards,
Dan.
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