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Insurance outrage!

M

Maxy M

Barcelona
Joined
24 May 2004
Messages
1,404
Privilege have just jacked up my premium by 22% because of my suspension upgrade - essentially on account of the springs since the dampers needed changing anyway.

Fortunately the Privilege deal was v competitive anyway, so I guess it's still good value. But honestly...

Anyone had similar experiences? Or can recommend a friendly outfit that has a logical approach to risk assessment and pricing?

Or should I have just kept quiet about it? Hey Sundeep, you've modded your car so that there's very little of the original left... :wink:
what have you done?


Migration info. Legacy thread was 42444
 
elephant charged me approx £120 for having lowered suspension (less than 5cm)

Migration info. Legacy thread was 42463
 
Think you get a discount if you fit furry dice!! :wink:
ok now I'm just trying to get my number of posts up!!




Migration info. Legacy thread was 42516
 
you have to tell the insureance company about swapping suspension !!!

oh crap

Now should i tell them because i asked for trackday insureance and the chic on the line was like "a tracker whata"

Migration info. Legacy thread was 42519
 
you also have to tell them if you uprate your brakes too.............

Migration info. Legacy thread was 42561
 
Previous poster said:
Quote: Originally posted by Roddy Kennedy on 11 January 2006
you also have to tell them if you uprate your brakes too.............
Click to expand...

...though the good companies will reduce your premium for this...

Migration info. Legacy thread was 42564
 
Previous poster said:
Quote: Originally posted by Rob J on 11 January 2006

Previous poster said:
Quote: Originally posted by Roddy Kennedy on 11 January 2006

you also have to tell them if you uprate your brakes too.............
Click to expand...
...though the good companies will reduce your premium for this...




tho most assume that you'll be going faster due to your new more effective braking system :P
Click to expand...

Migration info. Legacy thread was 42568
 
what if i told them that i just had to replace worn shox?

Migration info. Legacy thread was 42570
 
well given that its a fairly high value motor you have i reckon they'd send out a well quallified motor engineer to check the damage(heaven forbid of course) that would be caused in the event of you claiming..........now if he spots that the shocks are not declared then not a nice position to be in if you know what i mean

Migration info. Legacy thread was 42571
 
you mean the all fours position?

Migration info. Legacy thread was 42574
 
Previous poster said:
Quote: Originally posted by smtk on 12 January 2006

you mean the all fours position?


more like bent over than on all fours :twisted:
Click to expand...

Migration info. Legacy thread was 42575
 
So who's come clean with insurers on mods and what has it cost you? PM me if you feel the need for confidentiality (you never know who's watching?).

I hate unfairness in business. Now that I'm 'non-standard' I feel they're taking the pi5s.


Migration info. Legacy thread was 42594
 
So how much uprating on brakes, etc would I need to get to group one?!?!

On a serious note! A long-ish time ago the Insurance company I was with sent a claims assessor out after a bit of a prang on an Omega estate. Not the most expense of cars... He was a real pain too. I oh so wanted to slot him by the end of the perfomance.

Are Insurance companies still has sharp to go to whatever lengths to avoid or reduce the amount they cough up?

Deathly silence and...............


Migration info. Legacy thread was 42624
 
i'm going to inform them by mail

now wheres that 0.0000001p stamp?

Migration info. Legacy thread was 42631
 
What happens if you buy a car thats been modified unknown to you?

When you buy an 8 or 10 year old car and you are new to the marque how are you supposed to know whats standard anyway.

Or as in my case the car is factory lowered but say I could not prove it, or should this be declared anyway?


Migration info. Legacy thread was 42633
 
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