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post #6 of 10 (permalink) Old 17th March 2006
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Originally Posted by spirochete

An interesting 'recent' development with my insurers seems to be one of loading the insurance for even the slightest deviation from original body/trim spec' the point of actually asking specific questions.

I know it is easy to 'overlook' a new set of alloys for instance, but this leaves the door potentially wide open to a "you weren't honest with us we're not paying" scenario.

Anyone else finding their insurers are taking this line?


All insurers are different, some won't insure anybody with modifications, other are happy for cosmetic mods but not performance etc etc. You always have to tell them the truth though even though you'll get away with more than you'd think because it's sometimes easier to pay a claim than fight it!
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post #7 of 10 (permalink) Old 17th March 2006 Thread Starter
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I should perhaps clarify that this 'surfaced' when I added my lad (18) to my policy......(poor s*d was never going to be able to afford 2.5k on his own!), and then the questions became VERY specific.....wheels/tyres / body/ suspension/engine etc.

ANY deviation from original was clearly going to carry a loading - or possibly a refusal.

Certainly seeemed to me that they were using this as a measure of how "boy-racer" he might be.

Its not a problem.......if he wants to do this sort of thing he can do it later on at his own expense, but it did highlight what line they might take IF for example we chucked away the old steel wheels in favour of one of the myriad of alloy deals next time a tyre change is due.

Might never have even considered the implications otherwise.

*** ( Oh, and just in case anyone hadn't heard, the above insurer, [the one with the red telephone], will now add young / new drivers to an existing policy ['s!], and if they keep their noses clean they accumulate their own no-claims discount at the normal rate per year, ready for when they want to 'fly-the-nest'.....[providing the policy is with you-know-who] - which is saving a small fortune!)***

Shrewd move methinks!

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post #8 of 10 (permalink) Old 18th March 2006
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Originally Posted by OG
I hope he fought that. Unless they are of the wrong size or rating they'd have no chance of getting away with that, they would need to establish that the tyres caused the accident too, in other words if they accident was simply that the reversed into somebody in a car park, it would be difficult to prove that the tyres caused the accident. Consumer law is heavily biased towards the consumer these days.
He did, and lost.
Accident caused by brake failure (so he and the Police claimed) but......
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post #9 of 10 (permalink) Old 22nd March 2006
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Insurance for modders

The best company for modified cars are Adrian Flux, they actually require modifying for some policies and are also sponsoring the modified national competition for cars this year!
Give them a try as they saved me over 800 on my policy last year.
That really Quoted me happy!!! LOL
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post #10 of 10 (permalink) Old 22nd March 2006
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Seconded,can definately recommend Adrian Flux Insurance.
Also,you must tell your insurance of ANY modifications from standard,including alloy wheels.In my exerience if an insurance company can get out of paying for a claim they will,and if your car is fitted with non-standard alloys,this is a perfect excuse for them not to pay out.

I'd rather push my Alfa than drive a BMW....
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