damn insurance company

Powerhungry · 01-06-2006, 20:01

rang up my insurance company last tuesday to declare

forge eliminator DV
carbonio CAI
tinted windows

was on hold for 33mins. spoke to a guy in broken english. was terrible. asked what bodykit i was putting on. bodykit ???? dump valve, whats one of those ? yes, it took some time. after about 20mins. needs to be referred to u/w's about DV.

1week later, yes, one week. cant insure with those mods on car. against policy for an induction kit and dv. so how come i had induction kit and full system, cams etc through you guys on my previous car? errr, must be car specific. i will call you back.

3hrs later. we can insure you for CAI, tints but not DV as it greatly increases acceleration. i chuckled.

my question to you guys is, more than likely old topic, what insurers are you through as qute a few of you have some decent mods. renewal date is aug. looking else where.

cheers in advance

mattbeef · 01-06-2006, 21:37

while i see why you have told your insurance company about your mods and i do agree with it 100% the only time i dont/wounldnt mention them is when they have no cosmetic or performance difference.
Prime example my dad put a stainless steel exhaust on his scooby told the insurance company and they wouldnt insurue him as its not an OEM part! WTF is that about you get penalised for looking after you car

texasjohn · 01-06-2006, 21:51

Dearie me, I find this very frustrating!

You'd think if they don't employ people that can deduce what modified part you are talking about, you'd at least think the insurance clerk's screen would have tickbox options for everything and anything you could possibly declare, mod-wise.

If their insurance price quoting system was set up like that it'd not matter if they knew what a certain valve does, assuming you picked the same name for the part as appeared onscreen in front of them.

This could at least be used for them to give you an initial cover/no-cover response when you phone to enquire (say they'll insure suspension/cosmetic but not engine performance mods) even if it was policy to have an underwriter review the exact impact on risk at some point thereafter to calculate an exact premium.

All, of course, in my humble opinion

piv34uk · 01-06-2006, 21:56

Just see the banner above

Chris Knott...all my mods and under £400

Just "mirrored" my NCB onto my new project Golf Gti as well, good company to deal with.

Phil

FocusZtec · 02-06-2006, 08:26

Yep, another big fan of Chris Knott here. £550 for all my mods and they genuinely understand the nature of car modding!

Cant recommend them highly enough.

**mannyo** · 02-06-2006, 08:33

Chris Knott seem to be good for modified octavias, also try Adrian Flux.

Goochie · 02-06-2006, 08:34

When I rang to get my DV put on the policy I was refered to an under-writter too. He asked what it did and I told him is was a valve that was upgraded to a stronger one because of the remap, I emphasised that it was more of an upgrade to a standard part than a modification.

He then said it was fine and sent out written confirmation that I'm covered.

WW_VRS · 02-06-2006, 10:02

A lot of insurers will accept modifications as long as you phrase it carefully. Don't lie but use terms that emphasise safety, robustness and those kind of things rather than 'it will increase bhp by xx %' etc.

Things that make the car more likely to get stolen aren't great either, I suppose

ScoobyChris · 02-06-2006, 10:13

Chris Knott were good for the Fabia. Now with Admiral who are even better

Chris

Powerhungry · 03-06-2006, 09:13

im with the admiral now and currently pay 620 per 10month
flux quoted 775 - ouch
will give mr knott a buzz

thought insurance got cheaper at 30

01-06-2006, 20:01	#1
Powerhungry Briskodian Join Date: Mar 2006 Location: Newcastle Posts: 73 Thanks: 0 Thanked 0 Times in 0 Posts	damn insurance company rang up my insurance company last tuesday to declare forge eliminator DV carbonio CAI tinted windows was on hold for 33mins. spoke to a guy in broken english. was terrible. asked what bodykit i was putting on. bodykit ???? dump valve, whats one of those ? yes, it took some time. after about 20mins. needs to be referred to u/w's about DV. 1week later, yes, one week. cant insure with those mods on car. against policy for an induction kit and dv. so how come i had induction kit and full system, cams etc through you guys on my previous car? errr, must be car specific. i will call you back. 3hrs later. we can insure you for CAI, tints but not DV as it greatly increases acceleration. i chuckled. my question to you guys is, more than likely old topic, what insurers are you through as qute a few of you have some decent mods. renewal date is aug. looking else where. cheers in advance __________________ sigs are un-cool Last edited by Powerhungry; 01-06-2006 at 20:02.

01-06-2006, 21:37	#2
mattbeef Needs Money Join Date: Apr 2006 Location: Sheffield Posts: 3,316 Thanks: 37 Thanked 113 Times in 112 Posts	Re: damn insurance company while i see why you have told your insurance company about your mods and i do agree with it 100% the only time i dont/wounldnt mention them is when they have no cosmetic or performance difference. Prime example my dad put a stainless steel exhaust on his scooby told the insurance company and they wouldnt insurue him as its not an OEM part! WTF is that about you get penalised for looking after you car __________________ I few bits here and there but im happy to Performance Torque Go on click me you know you want to

01-06-2006, 21:51	#3
texasjohn Briskodian Join Date: Feb 2006 Location: West Midlands Posts: 1,678 Thanks: 3 Thanked 4 Times in 4 Posts	Re: damn insurance company Dearie me, I find this very frustrating! You'd think if they don't employ people that can deduce what modified part you are talking about, you'd at least think the insurance clerk's screen would have tickbox options for everything and anything you could possibly declare, mod-wise. If their insurance price quoting system was set up like that it'd not matter if they knew what a certain valve does, assuming you picked the same name for the part as appeared onscreen in front of them. This could at least be used for them to give you an initial cover/no-cover response when you phone to enquire (say they'll insure suspension/cosmetic but not engine performance mods) even if it was policy to have an underwriter review the exact impact on risk at some point thereafter to calculate an exact premium. All, of course, in my humble opinion __________________ Xbox 360 gamertag: TexasJohn74. Last edited by texasjohn; 02-06-2006 at 03:34.

01-06-2006, 21:56	#4
piv34uk NOW @ PEUGEOT Join Date: Nov 2003 Location: Bicester,Oxfordshire Posts: 1,401 Thanks: 29 Thanked 34 Times in 33 Posts	Re: damn insurance company Just see the banner above Chris Knott...all my mods and under £400 Just "mirrored" my NCB onto my new project Golf Gti as well, good company to deal with. Phil __________________ 1)RED ONE, FEW MODS; AND A HEALTHY 240+ 2)BLACK ONE, LOADSA MODS; AND A HEALTHY 360+ DaveU`s old bus SOLD LACK OF PLANNING ON YOUR BEHALF DOES NOT CONSTITUTE AN EMERGENCY ON MINE

02-06-2006, 08:26	#5
FocusZtec Briskodian Join Date: Aug 2005 Location: North London Posts: 691 Thanks: 10 Thanked 23 Times in 20 Posts	Re: damn insurance company Yep, another big fan of Chris Knott here. £550 for all my mods and they genuinely understand the nature of car modding! Cant recommend them highly enough. __________________ Thanks to JKM: REVO STAGE 2+ remap, Evoms CAI, Piper Turbo back Exhaust, Autotech Fuel Pump, Torque Arm Insert, Forge Recirc, Neuspeed Turbo & Intercooler pipes, APR FMIC, Iridium plugs, Koni FSD's, Eibach springs, Eibach F + R anti roll bars. VF short shifter. 345mm Brakes. 280BHP & 330LB/FT - and enough room for a proper trip to B&Q!!!

02-06-2006, 08:33	#6
mannyo BRISKODA Staff Join Date: Nov 2002 Location: Stevenage Herts. Posts: 10,711 Thanks: 24 Thanked 253 Times in 239 Posts	Re: damn insurance company Chris Knott seem to be good for modified octavias, also try Adrian Flux. __________________ Manny 2005 Octavia 2.0TDi Elegance combi my skoda website http://www.octaviars.co.uk Join the briskoda.net folding team click Here for more info

02-06-2006, 08:34	#7
Goochie Briskodian Join Date: Jan 2004 Location: Up a tree. Posts: 12,384 Thanks: 7 Thanked 27 Times in 25 Posts	Re: damn insurance company When I rang to get my DV put on the policy I was refered to an under-writter too. He asked what it did and I told him is was a valve that was upgraded to a stronger one because of the remap, I emphasised that it was more of an upgrade to a standard part than a modification. He then said it was fine and sent out written confirmation that I'm covered.

02-06-2006, 10:02	#8
WW_VRS Escorted Estate Join Date: Nov 2004 Location: Oxfordshire/Berkshire Posts: 9,707 Thanks: 43 Thanked 67 Times in 58 Posts	Re: damn insurance company A lot of insurers will accept modifications as long as you phrase it carefully. Don't lie but use terms that emphasise safety, robustness and those kind of things rather than 'it will increase bhp by xx %' etc. Things that make the car more likely to get stolen aren't great either, I suppose __________________ WW --->> Project Journal (pic links in first post there) Fabia vRS alloys for sale incl tyres, spare wheel with tyre + spare tyre - make me an offer via PM

02-06-2006, 10:13	#9
ScoobyChris Briskodian Join Date: Mar 2003 Location: Andover Posts: 18,090 Thanks: 15 Thanked 322 Times in 280 Posts	Re: damn insurance company Chris Knott were good for the Fabia. Now with Admiral who are even better Chris __________________ Holding up the traffic in a little Italian..........

03-06-2006, 09:13	#10
Powerhungry Briskodian Join Date: Mar 2006 Location: Newcastle Posts: 73 Thanks: 0 Thanked 0 Times in 0 Posts	Re: damn insurance company im with the admiral now and currently pay 620 per 10month flux quoted 775 - ouch will give mr knott a buzz thought insurance got cheaper at 30 __________________ sigs are un-cool

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