Modified?

[kitchenman]

Hi all,
Insurance due next month so looking for a quote
First try More Than, no way as I have taken seats out
I hope this is not the norm
I know others on here have removed seats or in a recent case fitted them, what is the norm? anyone know

 

[Fez_uk]

Do you mean the very rear seats? LWB

 

[kitchenman]

Update

Adrian Flux my current insured now class the Maverick as a commercial and want to charge me £70 more
Total now £443.69:doh

 

[Fez_uk]

Ring up for their specialist 4x4 department. I had a 90 Van, Was never a issue.

If it's the very rear seats don't bother telling them.

 

[Lazy-Ferret]

which seats have you removed... personally, I would just keep the seats in the garage, so I could put them in for the MOT, and not say anything, after all, it's not like you are adding anything to a potential insurance claim, less people on board to get hurt, and it's not like they are structural, or removing increases the chances of it being stolen either.

On most cars, you can remove the rear seats as and when you want. Seats 6 and 7 (3rd row), are just like that, and although it is not a design feature for the rear seats, 3,4,& 5 (2nd row) on the T2 to come out, it is a very simple mod to make them so.

My V70, both the 2nd and 3rd rows could be removed when ever you liked, and I never even thought I might have to tell the insurance company when I did it.

If on the other hand you have removed them so you can fit more things in for work, then of course, it is a commercial, and you should be paying the extra premium.

 

[clivvy]

after getting many very silly quotes, I tried Sky Insurance and got a really good quote from them - I was able to mirror my no claims from my Fiat Stilo (I have 8 years, so they gave me four) and its a new policy, came in at £390 odd, but I pay monthly. By far the cheapest quote I have ever had for a 4x4. The actual policy is with Chaucer, so far got a new windscreen out of them and its a fully comp policy - just no cover for off road use.

worth speaking to Sky, see what they can do.

 

[Sweety]

just no cover for off road use.

You should be covered to drive green lanes as they are part of the public high way & you have to have T&T plus insurance to drive them like you do on the main roads, P&P sites are a different matter as they are normaly on private land:thumbs

Ive removed the 3rd row of seats on both the T2 & my old disco, told my insurance company & they weren't bothed one bit about it & there was no probs when it came to the MOT as they can't test what isn't there:augie with the 2nd row of seats it shouldn't put the price up as mentioned before less compen claims. TBH i've always had stupid prices from more than like £1400 fully comp even tho i've got full protected no claims & i'm 38 so not a young'un:doh

 

[wildbri]

my t2 failed its mot with the rear seats removed as the said the seat belts werent there!

I said neither are the seats, but they said I could put them back and they needed to see them.

I was also told didnt need emmisions check because it was a seven seater.....with the seats in.

I just threw them in the back and they were happy.

bri

 

[exosteve]

shit
my mot is due and I binned my seats and belts.:doh

I suppose it depends on the garage doin the mot.:bow

 

[Barrbeast]

Steve I think you'll be okay as it was just the 3rd row you binned (at least it was last time I saw you!).

 

[makeitfit]

No seats or belts in the back of my T2 or Trol, never been an issue with MOT.
Insurance mind are arse holes Arse Flux did try to sting me for commercial but I told them to sod off and not be so stupid :doh
All you need do is put the seats in for insurance day and then take em out again if you're that bothered :nenau

 

[kitchenman]

I took both rows of seats out to put in a deck to carry my tools, mainly in big wheelie boxes.
Odds and ends goes under the deck which has a couple of hatches to get to stuff.
For MOT only front seats, no problem.:clap
I live near London was worried about low emission so I rang them up, no problem they said it is a car.
I am a serious wrinkly, 74, with no points and 10 years NCD, I will search around

 

[kitchenman]

Tesco came back with a great price £275, missing seats not a problem, BUT:doh the engine pre heater is, so Tesco backed off,

 

[Peasgood1]

Tesco came back with a great price £275, missing seats not a problem, BUT:doh the engine pre heater is, so Tesco backed off,

My Mav is that price as a commercial with NFU

 

[kitchenman]

Thanks for the NFU link, they tell me without factoring in my 'modifications' they are well above my Adrian Flux quote.
So I guess it is out with the pre heater and back to Tesco

 

[makeitfit]

Try Dave Brewer, he specialises in modified
https://www.facebook.com/profile.php?id=709468590&ref=ts&fref=ts

 

[cncfabs]

Is it really necessary to tell insurance about minor mods i cant immagine any 10-15 year old vehicle on the road that exactly the same as when it left the factory.Suspension lifts and engine performance mods yes but in a minute they will be classing shopping in the boot as a mod:doh

 

[kitchenman]

Thanks for the link to the insurance.
I tell them everything so they have no wriggle room if I have a crash, 'sorry guv you did not tell us about that'
There was an example on TV a while ago, a bloke was refused a pay out on his whole life insurance, he had not told them his dad died of cancer

 

[cncfabs]

Thanks for the link to the insurance.
I tell them everything so they have no wriggle room if I have a crash, 'sorry guv you did not tell us about that'
There was an example on TV a while ago, a bloke was refused a pay out on his whole life insurance, he had not told them his dad died of cancer

Ive had 2 insurance claims neither my fault and in both cases the car was fitted with non std alloys insurance assesor never said anything and both claims were paid.I can see what your saying about telling them everthing but where does it stop eg different brand of tyres ,floor mats, air freshner furry dice.........................:lol.

 

[Fez_uk]

Adrian flux should be able to match your quote. Got to ask them though.