phelpsa
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| posted on 15/8/04 at 05:17 PM |
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Tell insurers??
My dad is thinking of putting some morette headlights on his subaru impreza, does he have to tell his insurers?
Adam
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200mph
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| posted on 15/8/04 at 06:08 PM |
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by law.. yup
any modifications should be declared.. or be prepared to accept the sh1t you will get if things go wrong.
Mark
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phelpsa
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| posted on 15/8/04 at 06:29 PM |
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Will the rates go up?
Adam
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JoelP
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| posted on 15/8/04 at 06:30 PM |
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indeed, they will seize upon any excuse to avoid paying out. plus, they might regard it as an increased theft risk due to desirability.
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andrew-theasby
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| posted on 15/8/04 at 06:53 PM |
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My insurers charged me £21 "administration fee" for the first mod (an exhaust) but second time they wanted to put the premium up too, so i
didnt bother. Its not really worth risking voiding your policy for the extra theyll charge.
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Mark Allanson
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| posted on 15/8/04 at 08:07 PM |
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Unless the mod is performance related, you don't have to tell the insurance, but if you have an accident, any non standard items will not be
covered above the cost of standard items.
I get this all the time at work where people have put in fancy stereos, and get really shitty when we replace with the standard fit jobbie.
It also applies to non standard paint jobs, unless you report, you are not covered.
The usuall trick is an admin fee and raising the policy excess by the difference between std fit and the modified items
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
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phelpsa
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| posted on 15/8/04 at 09:02 PM |
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£99 for some morette look alikes, brand new. Just bought them on ebay, usually £250. The morette ones are £400!! Also thinking of a high level rear
spoiler, is that performance related?
Adam
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phelpsa
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| posted on 15/8/04 at 09:03 PM |
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Andrew, I guess the exhaust counted as a performance related modification.
Adam
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Mark Allanson
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| posted on 15/8/04 at 09:06 PM |
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Performance related is usually considered to be engine or suspension. The insurance companies recent dislike is the lowered Saxo brigade, not that the
lowering causes more accidents, its the profile of the driver that changes (they also keep the profile on the shared database so another ins co can
bump up your premium, even on a different unmodified car). They are really getting clever these days
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
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phelpsa
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| posted on 15/8/04 at 09:20 PM |
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Thanks mark
Adam
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Skirrow
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| posted on 15/8/04 at 09:23 PM |
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quote:
Unless the mod is performance related, you don't have to tell the insurance, but if you have an accident, any non standard items will not be
covered above the cost of standard items.
Does that apply to all policies? Mine says something like "You have to tell us of any changes to the factory specification"
Sounds like even if all you do is put in a new stereo without telling them they could refuse to pay out anything in the event of an accident as you
have changed the factory spec.
I have had pretty positive experiences with mods. Adrian Flux, when I was about 22-23 only changed about £12 extra admin fee for a quickshift
gearchange and an airfilter and exhaust.
More recently, Churchill charged me nothing extra for me to put on alloy wheels, performance exhaust, new steering wheel, interiro and exterior chrome
bits and body stickers, new interior and a couple of other little bits.
This was all on a Mini though so I guess things change when you get into higher insurance groups.
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mackie
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| posted on 15/8/04 at 10:54 PM |
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With elephant I got charged extra for my option pack on my car but they said they'd only replace with the standard parts (specifically heated
windscreen and electric mirrors replaced with normal and manual respectively ). All a bit nutsack really.
But yes, most insurers specify that you must tell them of any changes made to the specification of the car.
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stephen_gusterson
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| posted on 16/8/04 at 09:10 AM |
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and any details of the driver.
looks like my father is about to have an insurance claim refused.
My parents are both with 'more than'. Each has a policy on their own car, but with 'spouse to drive' on the policy.
In the last year (according to mum) she has had 3 'no fault' accidents in her car.
She then had a 'fault' accident in my dads car. Minorish front of wing damage and a busted light.
So, dad fills in claim.
gets back something like this :
"Both you and your wife are insured with us with seperate policies. However, this doenst mean that the info is shared between policies in the
company. Can you please explain why you did not tell us that your wife had 3 accidents in her own car on her own policy. Please also provide copies of
both driving licenses, the log book for the car, and the original bill of sale. At the moment your claim is in referral, and may result in non
coverage of this accident and you may have your premium refunded".
Moral of the story - tell your insurerers AS SOON AS you get an endorsement and anyone thatd driving gets a claim (even tho it was no fault) or the
bastards will wriggle out of the claim.
My father has been with this company over 12 years and never made a claim. (Mother is a different matter).
atb
steve
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phelpsa
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| posted on 16/8/04 at 09:46 AM |
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My dad is 44 with 22yr no claim bonus. £700 fully comprehensive on insurance for a standard subaru inpreza WRX.
Adam
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JoelP
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| posted on 16/8/04 at 04:22 PM |
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 22yrs!
id expect free insurance after all those years of paying the gits!
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phelpsa
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| posted on 16/8/04 at 05:36 PM |
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Only ever had minor incidents which were usually the other persons fault, when it wasn't he generally had enough money (or spares ) to put it
right without a claim. I expect once it gets past a certain point (10yrs?) it stops making a difference.
Adam
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