Oh lordy... insurance problems

Anonymous · September 1, 2003, 15:46

Quote from: "phil4"
Quote from: "Hardcore"Yep.

I'm with Direct Line and so far they have not charged me for anything, as I would expect really. The only thing that 'counted' as a mod with them was the TTE springs, and they didn't charge me anything extra for them.

--H--

I know this sounds strange, but are those declared mods listed on your insurance statement?

That last time I spoke to my insurance company I had so much trouble explaining what I was changing I shudder to think how hard it would be to explain sills, wind deflectors or tow-hook reflectors s:) s:)

Only the springs are listed on my insurance statement as this is the only thing I have done that Direct Line consider to be a 'modification', despite the fact they haven't charged me for it.

When they told me there was no additional charge I asked them specifically to add it to my insurance statement so that there could be no disagreement later.

--H--

Slacey · September 1, 2003, 16:00

Well, the girl at the insurance co. has been on again for the third time, asking yet more questions about the TTE and the Apexi.
The exhaust being a cat-back doesn't really seem to be an issue, but having told them yet again that the Apexi at most gives 1 - 2bhp extra, they have come back that this is bullsh*it, and induction kit is designed for a greater increase, so I have offered to 'remove' it, as I said up there somewhere.
I await their response.... s:? :? s:?

Anonymous · September 1, 2003, 16:03

Quote from: "Slacey"yet again that the Apexi at most gives 1 - 2bhp extra, they have come back that this is bullsh*it, and induction kit is designed for a greater increase,

Don't know what the effect is of your kit, but the "review" of the different filters, and their ability to clean (which indicated the Apexi as the best), was suggesting 13-14bhp.

Anonymous · September 1, 2003, 16:06

Quote from: "phil4"was suggesting 13-14bhp.

s:lol: :lol: s:lol: s:lol: :lol: s:lol: s:lol: :lol: s:lol: s:lol: :lol: s:lol: s:lol: :lol: s:lol: i saw that too... did make me laugh!

Slacey · September 1, 2003, 18:25

Quote from: "phil4"Don't know what the effect is of your kit, but the "review" of the different filters, and their ability to clean (which indicated the Apexi as the best), was suggesting 13-14bhp.

s:shock: :shock: s:shock:

I've seen a couple of before & after dyno's from our friends on SC a while back, and 1 -2bhp was definately all they were getting.
I'm trying not to argue with the insurance about this, I'm just stating what I have seen when they asked the question on performance increase. To be honest, this really has been a hassle - it's now 6:25, they haven't called back, for all I know my '2 isn't insured!

Anonymous · September 1, 2003, 18:29

Quote from: "Slacey"To be honest, this really has been a hassle - it's now 6:25, they haven't called back, for all I know my '2 isn't insured!

I'd liken insurance companies to the house at a casino. And we're all the gamblers.

Anonymous · September 1, 2003, 19:02

Slightly OT, but since we're bitching at insurance companies...
Going to France so needed insurance certificate, couldn't find it. Rang up for a duplicate - that'll be £15 please sir. "But it's a bit of paper, some toner and a stamp."
So I thought I'd get my own back, I rang back tonight and told them I'd put an extra 1000 miles on the policy and hence they'd need to send me a new document - genius.
Not - cost of 1000 miles, £23. s:(

s:( Oh well, I'll enjoy doing them.

Brilliant.

J

filcee · September 1, 2003, 21:46

Quote from: "Hardcore"You need to find out from your insurance company, in writing, what they consider modifications to be.

--H--

I this is very relevant - I have had companies turn me down for '2 insurance because of the hard top and air con! Although they are on the standard options list, they were considered mods, therefore these companies wouldn't insure me.

Go figure - but it seems like it's best to ask first.

I can't recall which companies these were, but you'll probably find them in the back of a car magazine, 'cos that's where I normally start my insurance search....

Tem · September 2, 2003, 07:03

Quote from: "phil4"Don't know what the effect is of your kit, but the "review" of the different filters, and their ability to clean (which indicated the Apexi as the best), was suggesting 13-14bhp.

Uhhh...that test was done on a TT Supra, not MR2 s;)

s;)

Anonymous · September 2, 2003, 07:05

Quote from: "Tem"
Quote from: "phil4"Don't know what the effect is of your kit, but the "review" of the different filters, and their ability to clean (which indicated the Apexi as the best), was suggesting 13-14bhp.

Uhhh...that test was done on a TT Supra, not MR2 s;) s;)

I sit corrected s:)

s:)

Slacey · September 2, 2003, 20:40

s:(

s:( This has now been (finally) resolved. After offering to remove the Apexi, the TTE which was originally OK, after the offer of removal, became a problem. I've never heard so much crap, I tell you - one minute the exhuast is OK but the Induction not, then the exhuast IS a problem when the Induction is taken out of the equation? s:? :? s:?
The upshot is that I have had to cancel my existing policy (this is where the only good bit of this comes in, they refunded the policy pro-rata, so I got a reasonable £267 after having the policy for 6 months), and take out a new one, which although it works out at £70 a year more, ALL my mods are covered, and they are very flexible with a range of other mods too.
Better in the long run I suppose, but trust me, I am NOT happy.
Bloody insurance! s:evil: :evil: s:evil:

Anonymous · September 2, 2003, 20:46

Sounds like serious arse-ache... who's the policy with now?

Slacey · September 2, 2003, 20:54

Quote from: "phil4"Sounds like serious arse-ache... who's the policy with now?

Highway - I've had previous policies with them for my ZX6-R, Rover 220 Coupé and Frontera - they were OK to be honest. I had to use someone my broker found to be able to take the refund from the other policy - probably absolute crap (I was looking into Dorset), but to be honest, after spending 45 minutes on my mobile answering stupid questions, I was too pissed off to argue!
(Their phone bill by the way! s:twisted: :twisted: s:twisted: )

Comer · September 3, 2003, 09:05

I agree insurance companies are a bunch of rip off merchants. My missus was hit from behind by an insured car who was originally hit by joyriders who did a runner. This was in April.

Elephant have just EMAILED to say that they have received the Police report and that because they cannot retrieve their loss from the car which caused the accident (the joyriders) then she can't claim back her excess and has lost her no claims.

Whatever happened to claiming off the car that hit you then they claim off the car behind them etc???

Chris · September 7, 2003, 16:11

I'm with DIG, and they have happily covered my apexi and remus and also the 5 track days I have done so far (including the 'ring!)

They offer a price match policy on renewals, so I won't be going anywhere! Top notch for an insurance co, imo s:wink: :wink: s:wink:

Anonymous · November 13, 2003, 11:10

I phoned my broker this morning and told him about the mod. I tried to squeeze it past him on the basis that it was just a 'replacement air cleaner element'. he was smarter than that and asked me whether I had also replaced the air box and whether it was a performance kit. I had to fess up.

After checking with my insurer (Norwich Union) he told me that there would be no extra charge. Result!