Printable Version | Subscribe | Add to Favourites
New Topic New Poll New Reply
Author: Subject: car insurance - Roll cages
bennettimp

posted on 16/10/14 at 12:02 PM Reply With Quote
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]

View User's Profile View All Posts By User U2U Member
Mikef

posted on 16/10/14 at 12:07 PM Reply With Quote
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.

View User's Profile View All Posts By User U2U Member
whitestu

posted on 16/10/14 at 01:01 PM Reply With Quote
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.
View User's Profile View All Posts By User U2U Member
jeffw

posted on 16/10/14 at 01:16 PM Reply With Quote
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.






View User's Profile View All Posts By User U2U Member
loggyboy

posted on 16/10/14 at 01:23 PM Reply With Quote
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

View User's Profile View All Posts By User U2U Member
spiderman

posted on 16/10/14 at 01:39 PM Reply With Quote
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

View User's Profile View All Posts By User U2U Member
morcus

posted on 16/10/14 at 01:50 PM Reply With Quote
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.

View User's Profile View All Posts By User U2U Member
ian locostzx9rc2

posted on 16/10/14 at 01:58 PM Reply With Quote
When I have insured my kitcars I have never been asked if I have a rollcage!

[Edited on 16/10/14 by ian locostzx9rc2]

View User's Profile View All Posts By User U2U Member
nick205

posted on 16/10/14 at 02:01 PM Reply With Quote
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.






View User's Profile View All Posts By User U2U Member
fishywick

posted on 16/10/14 at 03:17 PM Reply With Quote
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

View User's Profile E-Mail User View All Posts By User U2U Member
AndyW

posted on 16/10/14 at 04:39 PM Reply With Quote
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]

View User's Profile View All Posts By User U2U Member
iank

posted on 16/10/14 at 05:21 PM Reply With Quote
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

View User's Profile View All Posts By User U2U Member
will121

posted on 16/10/14 at 05:45 PM Reply With Quote
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

View User's Profile View All Posts By User U2U Member
bi22le

posted on 16/10/14 at 07:45 PM Reply With Quote
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

View User's Profile View All Posts By User U2U Member
bennettimp

posted on 20/10/14 at 03:47 PM Reply With Quote
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]

View User's Profile View All Posts By User U2U Member
DAN@ADRIAN FLUX

posted on 23/10/14 at 07:48 PM Reply With Quote
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.

View User's Profile View All Posts By User U2U Member

New Topic New Poll New Reply


go to top






Website design and SEO by Studio Montage

All content 2001-16 LocostBuilders. Reproduction prohibited
Opinions expressed in public posts are those of the author and do not necessarily represent
the views of other users or any member of the LocostBuilders team.
Running XMB 1.8 Partagium [ 2002 XMB Group] on Apache under CentOS Linux
Founded, built and operated by ChrisW.