Independent Renault Forums banner

1 - 8 of 8 Posts

·
Premium Member
Joined
·
573 Posts
<Edited by OG who says: you're probably right but you can't say it on here mate>

I recently put a non performance back box on and upon phoning direct line and making it clear it's non performance I had this reply "Sorry we do not insure drivers under 25 with this modification" When i asked why they said it was making the car look more attractive to theives.

I quickly asked .. "whats that got to do with age" and the salesperson reply was "urrrrrrrr Increases in performance also come into consideration".

I couldn't help but laugh at this point before saying "It's a 1.2 litre engine, even if i had a full performance exhaust and air filter i wouldn't see any noticeable performance gains.

They refused to comment after that.. which makes me wonder who tells these guys what they can and cant insure and for what reasons... They don't seem to know anything about cars unless they have it infront of them on a P.C screen.

Anyway, Found a much better deal with another company all modifications declared. (Had a 2 week wait so iv done a few things :) )

So does anyone know who underwrites for these guys?

I would really like to know!

Barry.
 

·
Premium Member
Joined
·
9,793 Posts
Don't know about that so much, but had a nightmare myself in the last week with insurance companies myself :crazy:

My house move coincided with my car insurance renewal. And my own insurers decided to bump up my insurance by over £200. I'm happy to say today i've managed to get a reasonable deal again, though Bell Insurance :d
 
A

·
Guest
Joined
·
0 Posts
Don't know about that so much, but had a nightmare myself in the last week with insurance companies myself :crazy:

My house move coincided with my car insurance renewal. And my own insurers decided to bump up my insurance by over £200. I'm happy to say today i've managed to get a reasonable deal again, though Bell Insurance :d

Ding Dong S.B.:rofl:
 

·
Premium Member
Joined
·
119 Posts
lol, reminds me of a similar argument i had with my insurer..
about alloys..
same answers..

as for declaring, i think half the ppl at my uni dont declare their mods for this reason.. lol, everyone i come up 2 with a full exhaust system and air filter.. alloys.. chrome mirrors.. dvd head units, amps, subs.. new bucket seats etc.. lol, tell me they havnt declared anythin wen i ask how the insurance company allowed it at their age..

so i havnt taken the risk they have.. but i kno 1 of them who has expensive ice equipment and alloys on his car (genuine focus ones) when his model is supposed to have wheel drums... insurance company still paid out..didnt notice alloys coz of them lookin standard .. and he removed the system n all that in time..

tbh half of them dnt care , i dnt think they realise wot cud happen if their mods r not declared..
 

·
Administrator
Joined
·
17,109 Posts
No disrespect to call centres, (I've worked in a couple), but to be honest, they are really just sweat boxes, whereby calls are taken over a shift (ten or more an hour). These workers are just working off a prescribed scripting (as you say, what's in front of them), and don't have the flexibility of freedom of thought.

I was a team manager within Ford UK's Customer Relationship Centre, and I was appalled that so many on the phones didn't even have a driving licence (far less the rudimentary knowledge to state what wear & tear is reasonable - and what isn't).

I had a similar insurance grief with Churchill, some time back. I owned a Ford Ka Lux (14" alloys as standard), and had a spare (winter set) of XR3i cloverleafs (again, 14") to fit - I mentioned this - they were classifying it as a 'performance enhancement'!!! (and wanting an extra £150 on an premium of £240)
After an arguement, they accepted that I was only being dilligent in notifying them, and that no increase in premium was needed.
Some people like to make life difficult, but I would always recommend declaring all modifications as insurers will look for any reason to not pay out.

The ones who specialise in modified cars seem to have a greater understanding of what carries a greater risk, than the mainstream ones.

Paul:)
 

·
Premium Member
Joined
·
92 Posts
Norwich Union Direct are just as bad.

Tried to add nearly 40% to my quote because my Grand Voyager has been fitted with what they call a LOW PRESSURE GAS system.

Dozy pillocks don't realise that LPG stands for 'liquified petroleum gas'. They must think it is Nitrous Oxide ( I Wish !!!).
 

·
Cheltenham, Gloucestershire.
Joined
·
2,312 Posts
Try confused.com
Their form allows you to list any mods and you only fill it out once! ;)
Saved me cash over my renewal for the last 3 years.
 
1 - 8 of 8 Posts
Top