Insurance

[(RIP) PLANK]

Mine is due in just over a week, any companies i should try this year? :nenau


thanks

[jims-terrano]

Compare the Meerkat

[rustic]

Go to a compare site, get a few quotes then go to your current insurer and say you will move if they can't match it like for like.

Saves a lot of paperwork if you are happy with your current supplier.:thumb2

We actually changed once, then found in the small print of the policy that they wouldn't insure the vehicle if it had a twin axle trailer attached, :doh now we have a twin axle boat trailer so, we cancelled it.

So watch out for that one.

So who has read their small print of their insurance policy then....:eek::eek:

best regards,

Rustic

[firebobby]

We're with Admiral, they work well for us as we have multi car and this makes my sons insurance very cheap:thumb2

[96terrano]

BAH!:rolleyes:

[stinka]

That Dave bloke ...

Can't remember the company, but I got £245 for the year, fully comp, all mods declared

[stinka]

His number :

08456588544

[(RIP) PLANK]

Thanks Stinka :thumb2

[makeitfit]

That bloke "Dave" has done 2 stonking deals for me now :D

[(RIP) PLANK]

I will call him in the morning :thumb2

[Paul h]

Mention the owners club or myself he did say he would do done sort of discount did me a good deal

[rustic]

Compare the Meerkat
So Jim...
Like me, You have used a few insurance companies over the years.

Which one do you rate the best?

Which one do you rate the worst?


Of course you can only really rate an insurance company when they deal with a claim.

Rustic

[Dorn1964]

Mine is due in just over a week, any companies i should try this year? :nenau


thanks

LV they did a fab quote for me for the Mistral but no mods.. :rolleyes:

[Lazy-Ferret]

LV they did a fab quote for me for the Mistral but no mods.. :rolleyes:

I was thinking though, what constitutes a mod?.

There are obvious ones, like big bore exhaust, lifted, extra batteries, but what about the less obvious ones, like say, different wheels and tyre combinations, when you look on line, the T2 has had a few versions of wheels and tyre sizes over they years, and it would take a fair bit of research to know what your specific one rolled out the factory on, or even harder, if the person before me fitted a tuning box, or a larger turbo, and lifted the boost, I have never seen another Terrano, so would not necessarily realise that it was not part of the original fitting if it was done neatly.

The same goes for the side steps, most seem to have them fitted, so did they come from the factory like that, or is it a Mod, Tinted windows, again most have them, but are they standard, and then in your case, what about your Bull bars and spot lights, were they already fitted at the factory, or by someone who had it before you? Did you specifically mention them, or work on the principle that they were already there, so part of the car.

It's such a grey area when you buy a second hand car.

My wife was reading the other day that they have changed the law, about what you need to declare for insurance purposes, which was more aimed towards other insurances like travel and medical, but I do wonder if the same rules would now apply to car insurance.
http://www.moneysavingexpert.com/news/insurance/2013/04/consumers-protected-as-insurance-law-reform-begins
Basically, if you could prove something was on the car before you purchased it, they could not fail to pay out just because you did not tell them about it.

[rustic]

A mod from the insurance point of view, is anything permanently attached to the vehicle, not on the original build from the factory. Dealer fit is also a mod.

This can include, but not limited to...

Tow bar
Decals say with 4x4 on them, not factory fitted
Fog lamps, spot lamps.
Second battery
Bull bar, roof bars added later
Alarm system
Wider tyres even on the same rims
Side steps
...

This is before the obvious ones, like body lift, re- chipping, wider wheels, tougher suspension, under body protection, gas conversion
...
This list goes on, you can see where this is going.

Not declared = reason not to pay out...:doh:doh

[makeitfit]

ooo tin of worms anyone :lol

[Dorn1964]

A mod from the insurance point of view, is anything permanently attached to the vehicle, not on the original build from the factory. Dealer fit is also a mod.

This can include, but not limited to...

Tow bar
Decals say with 4x4 on them, not factory fitted
Fog lamps, spot lamps.
Second battery
Bull bar, roof bars added later
Alarm system
Wider tyres even on the same rims
Side steps
...

This is before the obvious ones, like body lift, re- chipping, wider wheels, tougher suspension, under body protection, gas conversion
...
This list goes on, you can see where this is going.

Not declared = reason not to pay out...:doh:doh

I can see where your coming from and difficult to answer... yes the bull bar was fitted when I got the truck but it is a genuine Nissan one and I think the imports were made with them fitted.... spot lights were on but I put new ones on as the old ones were rusty, everything else "looks" factory fitted oh except the tow bar :doh

[Lazy-Ferret]

A mod from the insurance point of view, is anything permanently attached to the vehicle, not on the original build from the factory. Dealer fit is also a mod.

This can include, but not limited to...

Tow bar
Decals say with 4x4 on them, not factory fitted
Fog lamps, spot lamps.
Second battery
Bull bar, roof bars added later
Alarm system
Wider tyres even on the same rims
Side steps
...

This is before the obvious ones, like body lift, re- chipping, wider wheels, tougher suspension, under body protection, gas conversion
...
This list goes on, you can see where this is going.

Not declared = reason not to pay out...:doh:doh

But.... You say permanently attached...:augie

Decals can be removed really easily without leaving a trace, so technically, they are not permanent.

Wider tyres, I have no idea what my car actually came with, there is no hand book, and if I do a search on the web, there are about 6 different sized wheels and tyres for my year. Also, they again can be removed and changed without leaving a trace, so are not permanently attached.

What about a roof rack... Some people put them on, and leave them on the car for ever, does that count as a mod?

But they are technicalities, really.

But... what about what Dawn has just said, the Bullbars were on the car when she got it, soo... are they original build, or should she tell the insurance company. When I got my first Vitara, they were selling one called a BigFoot, and it came as standard with wide wheels, flared arches, and bullbars front and rear, plus it said, a "factory fitted Thatcham approved alarm". One day, in the job I did, I had to go and install a system at a place on the Isle of Sheppey, and it turned out to be the place where they landed the Suzuki's. The place I was working, was full of staff fitting alarms, and all the extras , then adding the "BigFoot" logo to the car.

Now, if I had purchased one of those, it clearly stated "factory fitted alarm", and as far as I knew until that point, Bogfoot was a Suzuki model, but in reality, all of those extras were not fitted at the factory at all.

[(RIP) PLANK]

Dave is constantly engaged :nenau

[briggie]

don't forget also that tinted windows ( other than original ) are considered a modification ....... I speak from personal experience ...... sheilas mistral had the stick on type stuff ..... they ( DL ) said that was considered a modification ...... so we removed them and her insurance went down :naughty

[(RIP) PLANK]

got through to Dave, he is getting back to me :-)

[rustic]

Decals or any signage on the vehicle is a mod, this is why...

If a door is damaged, then to put the car right, then they would need to replace the decals, which for whatever reason may no longer be available.

The insurance company would have to spend loads of money to sort this out, so they charge extra for it just in case later on.:clap

So if is not declared, they can't put the vehicle back to its pre accident condition.

[(RIP) PLANK]

I have a friend who had this issue recently with a factory fit 'a' bar on a Freelander, it was the only thing damaged in a small shunt. The insurance approved repairer took it off, discovered they couldn't get a replacement, and put it back on again (only a small dent) sent the car back and demanded the £250 excess!

[(RIP) PLANK]

Dave let me down, kept promising to call me back, then claimed to have 2 prices but was busy (I'll cal, you back) then had no prices as my car was too new! then promised to call me back again! Went with AXA in the end :thumb2

[Lazy-Ferret]

Dave let me down, kept promising to call me back, then claimed to have 2 prices but was busy (I'll cal, you back) then had no prices as my car was too new! then promised to call me back again! Went with AXA in the end :thumb2

Did they cover the Mods as well? (presuming you have some)

Mine is due in a week or two, so looking for inspiration.