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A BIG welcome to Adrian Flux Insurance!!

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RS Tom-Hundred View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RS Tom-Hundred Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 9:29am
Originally posted by ragt20 ragt20 wrote:

ain't been with them for years now, just not competitive enough for any of my cars
 
Ive found the same tbh, used to be really cheap when I was younger and insured on the Purple Dragon but nowhere near with the eGT.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote FriedGold Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 9:48am
Always the way with insurers.  They all have different things on which they put bias for pricing.  You have to try all of them and find the one that best suits your particular circumstances.  Annoyingly that can totally change with just a being a year older or in a slightly different job hence having to do the renewals process every bloody year.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dad's Taxi Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 11:10am
Originally posted by plymPRIM97 plymPRIM97 wrote:

. . . . .  the number of mods that were allowable without increased premium.

What kind of mod's require you to inform insurance company's? 
By this I mean surely they don't need / want to know if you put a sticker in the window. 
But I guess replaceing the Steely's with alloy wheels they would? even if i dont care for increasing the "Value" its insured for.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RS Tom-Hundred Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 1:09pm
True that Tim, last few years its been swiftcover for the red Devil and then this year Sky were cheaper by quite a way and even with it modified it was cheaper than the next closest standard policy.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote FriedGold Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 2:01pm
Originally posted by Dad's Taxi Dad's Taxi wrote:

Originally posted by plymPRIM97 plymPRIM97 wrote:

. . . . .  the number of mods that were allowable without increased premium.

What kind of mod's require you to inform insurance company's? 
By this I mean surely they don't need / want to know if you put a sticker in the window. 
But I guess replaceing the Steely's with alloy wheels they would? even if i dont care for increasing the "Value" its insured for.

If in doubt, ask them, but generally things like stickers, wind deflectors, painting or resprays (except complete colour changes of course) wouldn't make any odds but changing the standard parts like wheels, spoilers, bodykit and any engine mods should be declared.  It's not just about insuring the mods themselves (though AF and other specialist insurers will do that) but it's to do with how they calculate premiums.
Most mainstream insurers see any mods as 'boy racers' and just stick the premium up arbitrarily while specialists like AF, Sky etc take into account that careful modding means you are an enthusiast who looks after their car and is thus less of a risk.

Of course, failing to declare mods can invalidate the insurance which is why you should always inform them.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote plymPRIM97 Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 5:30pm
re Mods - definitely anythibg that might make it more desirable to the young "joy rider" or thief too.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dad's Taxi Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 6:03pm
Ok so the Alloy's I'm half way though re-furb and the Eibach springs that just arrived today . . . can go in the shed. Cry
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Post Options Post Options   Thanks (0) Thanks(0)   Quote essNchill Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jul 2012 at 11:11pm
Nope, you should ring insurance companies and find out where you stand first.

I remember the oldun days when one of the questions you always got asked was "Has the car got alloys".. They don't ask that anymore, probably because nowadays most cars from the factory come with alloys of some sort, so we no longer live in a society of "let's nick some alloys for my car" etc etc.

Insurance companies are so indifferent from one to the other but they all have freephone numbers, so there's no excuse for anyone not to be shopping aroundThumbs Up
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Post Options Post Options   Thanks (0) Thanks(0)   Quote jeffthro Quote  Post ReplyReply Direct Link To This Post Posted: 26 Nov 2013 at 4:48pm
I had a difficult time recently when changing from the GT to a BMW. I guess I shouldn't name names, but one insurance company treated me very poorly and for a very questionable reason. AF were great. They fought my corner as best they could, found me different cover and, because they agreed I'd been poorly treated, refunded to me their own broker fee. And all with the ultimate in helpful, courteous and friendly phone conversations. Absolutely A1 in my book!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote harrisg Quote  Post ReplyReply Direct Link To This Post Posted: 13 Feb 2014 at 12:46pm
Okay, as you're an insurance man, and I asked Sky a week ago with no response, I have to ask.

Is there any way of reporting a car with an undeclared engine swap to a national insurance database? I ask because I see a lot of Facebook classified adverts with "2.0 Turbo but listed a 1.4 on logbook."

This kind of thing really grits my guano, but I would like to know if there's a whistle-blowing website accessible to the general public? If there is such a database/agency, PM me with a link or I can send you a list of loads of them.

Where do they stand in the event of an accident and it turns out they haven't declared the engine swap? Are they effectively uninsured?

I'm really interested to hear your response to this, as premiums aren't going to get any cheaper with this kind of fraud occurring
1998 BMW E38 728i - Herman the German.
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