A BIG welcome to Adrian Flux Insurance!! |
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harrisg
NPOC Guest Sk8r! Joined: 01 Aug 2009 Location: Plymouth Online Status: Points: 3555 |
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Posted: 13 Feb 2014 at 12:46pm |
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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
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1998 BMW E38 728i - Herman the German.
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jeffthro
NPOC Guest Joined: 04 Feb 2009 Location: Poole, Darzet. Online Status: Points: 645 |
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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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essNchill
Admin Group Nissyen Gaius Fluff Joined: 05 Feb 2003 Location: Hampshire Online Status: Points: 62606 |
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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 around
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Dad's Taxi
NPOC Elite Member Joined: 04 Jul 2012 Location: Wakefield Online Status: Points: 1701 |
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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.
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plymPRIM97
Banned Joined: 28 May 2010 Location: London and Plym Online Status: Points: 2088 |
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re Mods - definitely anythibg that might make it more desirable to the young "joy rider" or thief too.
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FriedGold
NPOC Elite Member Bear trainer Joined: 04 Feb 2004 Location: Bedfordshire Online Status: Points: 10872 |
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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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RS Tom-Hundred
NPOC Elite Member Condiment King Joined: 31 Aug 2005 Location: Cambridgeshire Online Status: Points: 17725 |
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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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Dad's Taxi
NPOC Elite Member Joined: 04 Jul 2012 Location: Wakefield Online Status: Points: 1701 |
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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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FriedGold
NPOC Elite Member Bear trainer Joined: 04 Feb 2004 Location: Bedfordshire Online Status: Points: 10872 |
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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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RS Tom-Hundred
NPOC Elite Member Condiment King Joined: 31 Aug 2005 Location: Cambridgeshire Online Status: Points: 17725 |
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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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