nfu insurance

[rustic]

I will consider moving from direct line as they won't allow a second battery I have all the bits to install one too.:doh

Cover and price is one thing, but if you add any modifications without advising them, they may not pay out.

Some examples of modifications:
Tow bar, different tyres/wheels, decals, second battery, reversing sensors, improved brakes, spot lights, bull bar, body or suspension lift, increased power, even a K&N filter. etc

Does your insurance company allow for these? :nenau

Has anyone had insurance fail to pay out if a modification was not declared, eventhough it did not contribute in any way to the accident ?

 

[Peasgood]

I do know someone who had their claim reduced because they hadn't declared a "No fear" sticker on their back window.
It was amongst other things like wrong alloys etc, but definitely in the letter.

 

[(RIP) PLANK]

I will consider moving from direct line as they won't allow a second battery I have all the bits to install one too.:doh

Cover and price is one thing, but if you add any modifications without advising them, they may not pay out.

Some examples of modifications:
Tow bar, different tyres/wheels, decals, second battery, reversing sensors, improved brakes, spot lights, bull bar, body or suspension lift, increased power, even a K&N filter. etc

Does your insurance company allow for these? :nenau

Has anyone had insurance fail to pay out if a modification was not declared, eventhough it did not contribute in any way to the accident ?

I have never know them to not pay, but i have seen assesors, going over cars with a 'nit comb' tyre sizes and pressures, stering play, break pad thickness, Road tax etc.

I have even known them question if the stereo on a newish car was different from the original, as it is mod, even though it had nowt to do with an accident!

I suspect that, non declared mods acan void a policy and so if they want to they can us it as an excuse.

I have also seen an assesor who couldn't be bothered to get out of his car as it was raining, simpy right off a car without even seeing it! (he admited the reason!)

 

[Bat21]

All our cars and household insurance is with the NFU :thumb2

All you guys that get so hung up about the price might be in a for a shock if ever the need for a claim arises :thumbs

 

[briggie]

i had to tell my insurance company about my " modified atf cooler " ... it didnt increase my premium , but it did incur a " administration charge " ...

 

[tezzer]

Just shows you how volatile the Insurance market must be I went with NFU last year on my wifes R3mR and the price was very competative and cheaper than her previous insurance with Hyperformance via Adrian Flux. Lower excess on glass cover as well !

It might be that your local NFU office is letting you down I rang the Derby Office and as they were busy my call was diverted automatically after a few rings to the Mansfield Office and the bloke was brilliant.

He rang back when he said he would and could not have worked harder for the business. Wife only had 1 years NCB having made a claim 18 months previously that was her fault so it was not going to be cheap she paid £434 in the end some £300 less than Adrian Flux could manage (Fully comp).

That why it pays to shop around every year. Did a recent renewal on my Mums car was with Direct Line now Liverpool & Victoria for £120 less for identical cover.

i did ask where their office was and the reply was Scotland, don't know what area, :nenau

 

[Adz]

Lynn's with them from Feb on the Pajero for £304 with green laning :thumbs


My Dirty Frog all declared mods / green lane £295 :thumbs

 

[(RIP) PLANK]

All our cars and household insurance is with the NFU :thumb2

All you guys that get so hung up about the price might be in a for a shock if ever the need for a claim arises :thumbs

my old broker said that when i found and online policy for half his price, I recently had reason to contact their claims depatrtment and expected a load of bother, calling a call centre in the middle of the desert etc.

but to be honest it was the smoothest contact with an insurance company i have ever made :thumb2

 

[larson]

how much

my post code spoils it for me as im on a high risk council estate. its nolonger got a lot of stolen cars but it was once rife....

 

[jonno]

just had my renewal through from aa and its gone up £300 to £750 fully comp:doh
tried the comparison sites lowest i get with the same level of cover as last year is £550 so thats £100 increase
thought it would have at least stayed about the same now i just hit 30 and have 10 years ncb and a clean licence
tried nfu they wanted £786 with free breakdown cover
gonna try adrianflux tomoz