Quote me happy

[peter026]

NU quoted me £415. went to money supermarket and got it for £187 from Budget with 3 months free life insurance

[Ricksurf]

THANKS EVERYONE
Looks like NIG will get my business. Even so me & wife (36 & 38 yrs old) 5yrs NCB no points and a Cat 1 alarm......only mods are aftermarket alloys NIG=£532 still seems expensive compaired to some of you guys.....could it be the M46 postcode ??

[nero279]

could it be the M46 postcode ??

Yeah all them northern bl00dy monkeys up there!!

[stormforce]

Just been talking to lifesure about the mods i have just done and they will be getting back to me to let me know if they will be covered but they do insure for green lanning but not off-roading.Also it is down to the owner to notify of any mods done or else your insurance could be void if they find out or if you have a accident and you put in a claim so its better to let them know rather than take the chance in my opinion.
I will let you know what they say about the mods

[colin timney]

[QUOTE=Woodzie


NO What i am saying is that the moment that your car is used off road it is no longer covered as they will not insure it


Thats why mine got canceled according to there letter as my mods were for off road use

Now with adrian flux[/QUOTE]
so if i have no mods on my truck,take it off roading and on my way home i have a accident you are saying they would not cover me.
colin

[nero279]

its better to let them know rather than take the chance in my opinion.

I won't disagree with that, but the onus legally is on them to prove that they played a part, obviously the mods themselves aren't covered if they're not declared aswell.

Also whilst on the subject of insuring modified vehicles it's worth checking that they are insured like-for-like otherwise you could spend thousands on mods, then some $$$$ writes it off and their insurance will only pay out for a standard motor.

[stormforce]

I won't disagree with that, but the onus legally is on them to prove that they played a part, obviously the mods themselves aren't covered if they're not declared aswell.

Also whilst on the subject of insuring modified vehicles it's worth checking that they are insured like-for-like otherwise you could spend thousands on mods, then some $$$$ writes it off and their insurance will only pay out for a standard motor.

That is something i forgot to add.When you insure it with the mods you need to tell them the value of the vehicle with the mods,so as long as you tell them what mods you have and then give them a total value mods + value you will be ok

[nero279]

That is something i forgot to add.When you insure it with the mods you need to tell them the value of the vehicle with the mods,so as long as you tell them what mods you have and then give them a total value mods + value you will be ok

not neccesarily, you either need an agreed valuation, i.e) they come out inspect the vehicle and you agree a total loss value, or you need mods covered like-for-like and then argue over the value of the mods when the
sh1t hits the fan

[stormforce]

not neccesarily, you either need an agreed valuation, i.e) they come out inspect the vehicle and you agree a total loss value, or you need mods covered like-for-like and then argue over the value of the mods when the
sh1t hits the fan

When Lifesure ring me back i will ask about this and let you know what they say

[MattF]

What exactly classifies as a mod?

[surfenstein]

i would of thought anything that alters the performance and or bodywork from the o/m spec.

[nero279]

to be safe, anything that isn't standard spec. and is permanently fixed to the vehicle.

Some insurers would classify m/t tyres as a mod, most won't unless they are a different size to original.

but it really is a very grey area, basically if you alter the suspension, steering, engine, cosmetics, power output, handling, anything really, either permanently or semi permanently some insurance company somewhere will say it's a mod when you try to claim.

Many insurers will cover purely cosmetic modifications, but not on a like-for-like basis but won't touch anything with alterations which could affect power output, suspension, braking or performance at all.

Also many insurers who will not cover mods on road cars will do on their 4x4 policies.

Anything that's gonna be obvious when someone looks at it, or under the bonnet or inside needs to be considered a mod to be safe. Adjusted torsion bars should be safe, fuel pump mod people been talking about should be safe (if your engine lasts long enough to make a claim), EGR mod should be safe. Remember though that at the end of the day your insurer is a profit making company and they will send someone who knows how to spot anything they can get away with not paying for, i would say they could spot the washer mod to up the boost pressure if it's not done neatly. non-original bumpers need to be declared, winches need to be declared, even tow bars need to be declared (if they're not factory fitted) although most insurers don't consider this a mod


More useless waffle, i know, but you asked.

[surfenstein]

to be safe, anything that isn't standard spec. and is permanently fixed to the vehicle.

Some insurers would classify m/t tyres as a mod, most won't unless they are a different size to original.

but it really is a very grey area, basically if you alter the suspension, steering, engine, cosmetics, power output, handling, anything really, either permanently or semi permanently some insurance company somewhere will say it's a mod when you try to claim.

Many insurers will cover purely cosmetic modifications, but not on a like-for-like basis but won't touch anything with alterations which could affect power output, suspension, braking or performance at all.

Also many insurers who will not cover mods on road cars will do on their 4x4 policies.

Anything that's gonna be obvious when someone looks at it, or under the bonnet or inside needs to be considered a mod to be safe. Adjusted torsion bars should be safe, fuel pump mod people been talking about should be safe (if your engine lasts long enough to make a claim), EGR mod should be safe. Remember though that at the end of the day your insurer is a profit making company and they will send someone who knows how to spot anything they can get away with not paying for, i would say they could spot the washer mod to up the boost pressure if it's not done neatly. non-original bumpers need to be declared, winches need to be declared, even tow bars need to be declared (if they're not factory fitted) although most insurers don't consider this a mod


More useless waffle, i know, but you asked.

phew...... thats ok then mines a bog standard surf,no mods whatsoever,HONEST.

[MattF]

Not useless, quite interesting actually. On a vehicle which had so many
variations as the standard Surf does, however, surely it's pretty much a
losing battle trying to say it's been modified.

With the insurance, they'll always try to shaft people anyhow. Who was
it who said that the only thing insurance was good for was getting your
road tax? Ne'er a true word was said.

[MattF]

phew...... thats ok then mines a bog standard surf,no mods whatsoever,HONEST.

Apart from the $hitty engine in it.