Hi guys - I hate cross posting, but if you have the time, please read on....

Abstract of cross post to uk.legal



Hi all!

I recently posted a question entitled "Dropped like a Stone", regarding
insurance on a modified vehicle. Thanks to everyone who took the time to
reply - it soon became quite clear that I was in the wrong, and I have
attempted to correct my errors by re-insuring with a company prepared to
take the risks involved with the vehicle. What I failed to advise in the
original post is that the modifications are not unusual to the particular
vehicle in question, indeed the vast majority of owners of this type of
vehicle carry out modifications regularly in order to equip the vehicle to
their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
daily on-road, and frequently off-road in competition) The modifications I
subsequently advised covers equipment such as winches, the special bumpers
that carry them, remote control systems for the winches, dual battery
systems, safari roof-racks, sat-nav etc, etc.

The latest broker (a specialist, who advised I was NOW insured after
acceptance of yet another Debit Card transaction) was not interested in any
of the modifications, apart from "chipping" of the engine and a suspension
"lift". He just said "what value do you think the car is worth?" I quoted
30K and he agreed a price with me for the premium, after consulting with the
Insurance Company over mods he thought may cause concern.

Today I got a whole wad of papers from the insurance company requesting
copies of my driving licence, Thatcham reports, details of the tracker
system, what exactly the mods are, who fitted the mods, their
qualifications, etc, etc which stated that unless I reply within 14 days
with all documentation completed, the insurance will be deemed void. To add
insult to injury, there will also be a charge of 25% of the premium paid if
I cancel the cover.

So, despite my honesty, I seem to still not be covered. Despite attempting
to list ALL of the mods to the chap at the insurance centre, I'm unsure
where I stand. He seemed to suggest that things like the roof rack and
winches would fall within the supposed "agreed value", but the documentation
suggests that "market value" will prevail. All I want to do is insure the
vehicle against loss for a replacement value of £30K.

Any ideas?.....

"Anon" <[email protected]> wrote in message
news:[email protected]...
> Abstract of cross post to uk.legal
>
>
>
> Hi all!
>
> I recently posted a question entitled "Dropped like a Stone", regarding
> insurance on a modified vehicle. Thanks to everyone who took the time to
> reply - it soon became quite clear that I was in the wrong, and I have
> attempted to correct my errors by re-insuring with a company prepared to
> take the risks involved with the vehicle. What I failed to advise in the
> original post is that the modifications are not unusual to the particular
> vehicle in question, indeed the vast majority of owners of this type of
> vehicle carry out modifications regularly in order to equip the vehicle to
> their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
> daily on-road, and frequently off-road in competition) The modifications I
> subsequently advised covers equipment such as winches, the special bumpers
> that carry them, remote control systems for the winches, dual battery
> systems, safari roof-racks, sat-nav etc, etc.
>
> The latest broker (a specialist, who advised I was NOW insured after
> acceptance of yet another Debit Card transaction) was not interested in
> any
> of the modifications, apart from "chipping" of the engine and a suspension
> "lift". He just said "what value do you think the car is worth?" I quoted
> 30K and he agreed a price with me for the premium, after consulting with
> the
> Insurance Company over mods he thought may cause concern.
>
> Today I got a whole wad of papers from the insurance company requesting
> copies of my driving licence, Thatcham reports, details of the tracker
> system, what exactly the mods are, who fitted the mods, their
> qualifications, etc, etc which stated that unless I reply within 14 days
> with all documentation completed, the insurance will be deemed void. To
> add
> insult to injury, there will also be a charge of 25% of the premium paid
> if
> I cancel the cover.
>
> So, despite my honesty, I seem to still not be covered. Despite attempting
> to list ALL of the mods to the chap at the insurance centre, I'm unsure
> where I stand. He seemed to suggest that things like the roof rack and
> winches would fall within the supposed "agreed value", but the
> documentation
> suggests that "market value" will prevail. All I want to do is insure the
> vehicle against loss for a replacement value of £30K.
>
> Any ideas?.....
>
Tried Richard Eggar (I think that's his name) at Competition Car Insurance?
Sorry, not got a number for them. Or NFU?
Badger.

"Badger" <[email protected]> wrote in message
news:[email protected]...
>
> "Anon" <[email protected]> wrote in message
> news:[email protected]...
> > Abstract of cross post to uk.legal
> >
> >
> >
> > Hi all!
> >
> > I recently posted a question entitled "Dropped like a Stone", regarding
> > insurance on a modified vehicle. Thanks to everyone who took the time to
> > reply - it soon became quite clear that I was in the wrong, and I have
> > attempted to correct my errors by re-insuring with a company prepared to
> > take the risks involved with the vehicle. What I failed to advise in the
> > original post is that the modifications are not unusual to the
particular
> > vehicle in question, indeed the vast majority of owners of this type of
> > vehicle carry out modifications regularly in order to equip the vehicle
to
> > their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
> > daily on-road, and frequently off-road in competition) The modifications
I
> > subsequently advised covers equipment such as winches, the special
bumpers
> > that carry them, remote control systems for the winches, dual battery
> > systems, safari roof-racks, sat-nav etc, etc.
> >
> > The latest broker (a specialist, who advised I was NOW insured after
> > acceptance of yet another Debit Card transaction) was not interested in
> > any
> > of the modifications, apart from "chipping" of the engine and a
suspension
> > "lift". He just said "what value do you think the car is worth?" I
quoted
> > 30K and he agreed a price with me for the premium, after consulting with
> > the
> > Insurance Company over mods he thought may cause concern.
> >
> > Today I got a whole wad of papers from the insurance company requesting
> > copies of my driving licence, Thatcham reports, details of the tracker
> > system, what exactly the mods are, who fitted the mods, their
> > qualifications, etc, etc which stated that unless I reply within 14 days
> > with all documentation completed, the insurance will be deemed void. To
> > add
> > insult to injury, there will also be a charge of 25% of the premium paid
> > if
> > I cancel the cover.
> >
> > So, despite my honesty, I seem to still not be covered. Despite
attempting
> > to list ALL of the mods to the chap at the insurance centre, I'm unsure
> > where I stand. He seemed to suggest that things like the roof rack and
> > winches would fall within the supposed "agreed value", but the
> > documentation
> > suggests that "market value" will prevail. All I want to do is insure
the
> > vehicle against loss for a replacement value of £30K.
> >
> > Any ideas?.....
> >
> Tried Richard Eggar (I think that's his name) at Competition Car
Insurance?
> Sorry, not got a number for them. Or NFU?
> Badger.
>
> They are tossers, but if THEY cancel the insurance , then you don't have
to pay the 25% charge.
Try the NFU , being rural based and providing cover for farmers with with
working Landrovers they have a much better understanding of modification etc
, also they have local area agents who can inspect/ check vehicles or deal
with claims.
Steve the grease

R L Driver wrote:
> Try the NFU , being rural based and providing cover for farmers with with
> working Landrovers they have a much better understanding of modification
> etc
> , also they have local area agents who can inspect/ check vehicles or
> deal with claims.

Any experience with Adrian Flux? At first sight they seem cheaper?

Fred

In message <[email protected]>, Anon <[email protected]>
writes
>Abstract of cross post to uk.legal
>
>
>
>Hi all!
>
>I recently posted a question entitled "Dropped like a Stone", regarding
>insurance on a modified vehicle. Thanks to everyone who took the time to
>reply - it soon became quite clear that I was in the wrong, and I have
>attempted to correct my errors by re-insuring with a company prepared to
>take the risks involved with the vehicle. What I failed to advise in the
>original post is that the modifications are not unusual to the particular
>vehicle in question, indeed the vast majority of owners of this type of
>vehicle carry out modifications regularly in order to equip the vehicle to
>their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
>daily on-road, and frequently off-road in competition) The modifications I
>subsequently advised covers equipment such as winches, the special bumpers
>that carry them, remote control systems for the winches, dual battery
>systems, safari roof-racks, sat-nav etc, etc.
>
>The latest broker (a specialist, who advised I was NOW insured after
>acceptance of yet another Debit Card transaction) was not interested in any
>of the modifications, apart from "chipping" of the engine and a suspension
>"lift". He just said "what value do you think the car is worth?" I quoted
>30K and he agreed a price with me for the premium, after consulting with the
>Insurance Company over mods he thought may cause concern.
>
>Today I got a whole wad of papers from the insurance company requesting
>copies of my driving licence, Thatcham reports, details of the tracker
>system, what exactly the mods are, who fitted the mods, their
>qualifications, etc, etc which stated that unless I reply within 14 days
>with all documentation completed, the insurance will be deemed void. To add
>insult to injury, there will also be a charge of 25% of the premium paid if
>I cancel the cover.
>
>So, despite my honesty, I seem to still not be covered. Despite attempting
>to list ALL of the mods to the chap at the insurance centre, I'm unsure
>where I stand. He seemed to suggest that things like the roof rack and
>winches would fall within the supposed "agreed value", but the documentation
>suggests that "market value" will prevail. All I want to do is insure the
>vehicle against loss for a replacement value of £30K.
>
>Any ideas?.....
>
>
>
Three things here.
First the insurance company is interested in any modification which
improves performance or otherwise increases risk to the car
Secondly they are interested in any modifications which will increase
the cost of any repair to the vehicle under a claim.
Thirdly, AFAIAA *all* motor insurance is the lesser of owners declared
value and "market value". The latter includes the standard vehicle and
all declared accessories and modifications.

I am not an expert, only speaking from my own experience.

As far as the threat to deduct 25%, that is preposterous in the
circumstances you describe as it is they who have added new conditions
over and above those stipulated and accepted by their agent, the broker.
Have a word the Trading Standards office local to where the insurance
company are based.
--
hugh
Reply to address is valid at the time of posting

On Wed, 9 Feb 2005 18:09:14 +0000, hugh wrote:

> In message <[email protected]>, Anon <[email protected]>
> writes
>>Abstract of cross post to uk.legal
>>
>>
>>
>>Hi all!
>>
>>I recently posted a question entitled "Dropped like a Stone", regarding
>>insurance on a modified vehicle. Thanks to everyone who took the time to
>>reply - it soon became quite clear that I was in the wrong, and I have
>>attempted to correct my errors by re-insuring with a company prepared to
>>take the risks involved with the vehicle. What I failed to advise in the
>>original post is that the modifications are not unusual to the particular
>>vehicle in question, indeed the vast majority of owners of this type of
>>vehicle carry out modifications regularly in order to equip the vehicle to
>>their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
>>daily on-road, and frequently off-road in competition) The modifications I
>>subsequently advised covers equipment such as winches, the special bumpers
>>that carry them, remote control systems for the winches, dual battery
>>systems, safari roof-racks, sat-nav etc, etc.
>>
>>The latest broker (a specialist, who advised I was NOW insured after
>>acceptance of yet another Debit Card transaction) was not interested in any
>>of the modifications, apart from "chipping" of the engine and a suspension
>>"lift". He just said "what value do you think the car is worth?" I quoted
>>30K and he agreed a price with me for the premium, after consulting with the
>>Insurance Company over mods he thought may cause concern.
>>
>>Today I got a whole wad of papers from the insurance company requesting
>>copies of my driving licence, Thatcham reports, details of the tracker
>>system, what exactly the mods are, who fitted the mods, their
>>qualifications, etc, etc which stated that unless I reply within 14 days
>>with all documentation completed, the insurance will be deemed void. To add
>>insult to injury, there will also be a charge of 25% of the premium paid if
>>I cancel the cover.
>>
>>So, despite my honesty, I seem to still not be covered. Despite attempting
>>to list ALL of the mods to the chap at the insurance centre, I'm unsure
>>where I stand. He seemed to suggest that things like the roof rack and
>>winches would fall within the supposed "agreed value", but the documentation
>>suggests that "market value" will prevail. All I want to do is insure the
>>vehicle against loss for a replacement value of £30K.
>>
>>Any ideas?.....
>>
>>
>>
> Three things here.
> First the insurance company is interested in any modification which
> improves performance or otherwise increases risk to the car
> Secondly they are interested in any modifications which will increase
> the cost of any repair to the vehicle under a claim.
> Thirdly, AFAIAA *all* motor insurance is the lesser of owners declared
> value and "market value". The latter includes the standard vehicle and
> all declared accessories and modifications.

No, you can have an agreed value insurance, where you and the insurance
company have agreed the value in advance. To do this you'd need to send all
the information about mods, etc. and have the vehicle inspected - if you
are a member of an owners club, there is often someone from the club who is
"authorised" by the insurance companies to inspect the vehicle and confirm
its value to them.

Steve Walker

In message <[email protected]>, Steve Walker
<[email protected]> writes
>On Wed, 9 Feb 2005 18:09:14 +0000, hugh wrote:
>
>> In message <[email protected]>, Anon <[email protected]>
>> writes
>>>Abstract of cross post to uk.legal
>>>
>>>
>>>
>>>Hi all!
>>>
>>>I recently posted a question entitled "Dropped like a Stone", regarding
>>>insurance on a modified vehicle. Thanks to everyone who took the time to
>>>reply - it soon became quite clear that I was in the wrong, and I have
>>>attempted to correct my errors by re-insuring with a company prepared to
>>>take the risks involved with the vehicle. What I failed to advise in the
>>>original post is that the modifications are not unusual to the particular
>>>vehicle in question, indeed the vast majority of owners of this type of
>>>vehicle carry out modifications regularly in order to equip the vehicle to
>>>their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
>>>daily on-road, and frequently off-road in competition) The modifications I
>>>subsequently advised covers equipment such as winches, the special bumpers
>>>that carry them, remote control systems for the winches, dual battery
>>>systems, safari roof-racks, sat-nav etc, etc.
>>>
>>>The latest broker (a specialist, who advised I was NOW insured after
>>>acceptance of yet another Debit Card transaction) was not interested in any
>>>of the modifications, apart from "chipping" of the engine and a suspension
>>>"lift". He just said "what value do you think the car is worth?" I quoted
>>>30K and he agreed a price with me for the premium, after consulting with the
>>>Insurance Company over mods he thought may cause concern.
>>>
>>>Today I got a whole wad of papers from the insurance company requesting
>>>copies of my driving licence, Thatcham reports, details of the tracker
>>>system, what exactly the mods are, who fitted the mods, their
>>>qualifications, etc, etc which stated that unless I reply within 14 days
>>>with all documentation completed, the insurance will be deemed void. To add
>>>insult to injury, there will also be a charge of 25% of the premium paid if
>>>I cancel the cover.
>>>
>>>So, despite my honesty, I seem to still not be covered. Despite attempting
>>>to list ALL of the mods to the chap at the insurance centre, I'm unsure
>>>where I stand. He seemed to suggest that things like the roof rack and
>>>winches would fall within the supposed "agreed value", but the documentation
>>>suggests that "market value" will prevail. All I want to do is insure the
>>>vehicle against loss for a replacement value of £30K.
>>>
>>>Any ideas?.....
>>>
>>>
>>>
>> Three things here.
>> First the insurance company is interested in any modification which
>> improves performance or otherwise increases risk to the car
>> Secondly they are interested in any modifications which will increase
>> the cost of any repair to the vehicle under a claim.
>> Thirdly, AFAIAA *all* motor insurance is the lesser of owners declared
>> value and "market value". The latter includes the standard vehicle and
>> all declared accessories and modifications.
>
>No, you can have an agreed value insurance, where you and the insurance
>company have agreed the value in advance. To do this you'd need to send all
>the information about mods, etc. and have the vehicle inspected - if you
>are a member of an owners club, there is often someone from the club who is
>"authorised" by the insurance companies to inspect the vehicle and confirm
>its value to them.
>
>Steve Walker
Then perhaps you could point the OP in the direction of a reputable
company offering such a policy
--
hugh
Reply to address is valid at the time of posting

Thanks Fred - Adrian Flux are the brokers I have just insured with! They
have been brilliant, and MOST helpful with all my questions.
"Fred Labrosse" <[email protected]> wrote in message
news:[email protected]...
>R L Driver wrote:
>> Try the NFU , being rural based and providing cover for farmers with with
>> working Landrovers they have a much better understanding of modification
>> etc
>> , also they have local area agents who can inspect/ check vehicles or
>> deal with claims.
>
> Any experience with Adrian Flux? At first sight they seem cheaper?
>
> Fred
>

Fred Labrosse wrote:

> R L Driver wrote:
>> Try the NFU , being rural based and providing cover for farmers with with
>> working Landrovers they have a much better understanding of modification
>> etc
>> , also they have local area agents who can inspect/ check vehicles or
>> deal with claims.
>
> Any experience with Adrian Flux? At first sight they seem cheaper?
>

I'm insured with them. Scads of modifications and the only one that affected
the insurance was if I chipped the engine (good trick - it's a 200!).

They do send out a modification declaration which you have to fill in and
send back with photos if there are significant body modifications, but the
price was right and they seem OK to deal with.

Paul

Paul S. Brown wrote:

> Fred Labrosse wrote:
>
>> R L Driver wrote:
>>> Try the NFU , being rural based and providing cover for farmers with
>>> with working Landrovers they have a much better understanding of
>>> modification etc
>>> , also they have local area agents who can inspect/ check vehicles or
>>> deal with claims.
>>
>> Any experience with Adrian Flux? At first sight they seem cheaper?
>>
>
> I'm insured with them. Scads of modifications and the only one that
> affected the insurance was if I chipped the engine (good trick - it's a
> 200!).
>
> They do send out a modification declaration which you have to fill in and
> send back with photos if there are significant body modifications, but the
> price was right and they seem OK to deal with.

I actually rang them, following them sending me a quote that was indeed very
interesting, only to realise that my defender 110 had become a defender 90.
After corrections, the quote became only a little bit more interesting than
NFU, but the whole NFU package seems more interesting (unlimited green
card, local office).

Just my 2p.

Fred

In message <[email protected]>
Fred Labrosse <[email protected]> wrote:

> Paul S. Brown wrote:
>
> > Fred Labrosse wrote:
> >
> >> R L Driver wrote:
> >>> Try the NFU , being rural based and providing cover for farmers with
> >>> with working Landrovers they have a much better understanding of
> >>> modification etc
> >>> , also they have local area agents who can inspect/ check vehicles or
> >>> deal with claims.
> >>
> >> Any experience with Adrian Flux? At first sight they seem cheaper?
> >>
> >
> > I'm insured with them. Scads of modifications and the only one that
> > affected the insurance was if I chipped the engine (good trick - it's a
> > 200!).
> >
> > They do send out a modification declaration which you have to fill in and
> > send back with photos if there are significant body modifications, but the
> > price was right and they seem OK to deal with.
>
> I actually rang them, following them sending me a quote that was indeed very
> interesting, only to realise that my defender 110 had become a defender 90.
> After corrections, the quote became only a little bit more interesting than
> NFU, but the whole NFU package seems more interesting (unlimited green
> card, local office).
>
> Just my 2p.
>
> Fred
>
>

And the NFU are *very* good to have on your side. In a horse
related incident involving a car with the ex a couple of years
ago they *really* went to town on a "no win, no fee" idiotic
claim. For the record, the solicitors trying to make the claim
against the ex lost the case, and almost certainly lost a
large amount of money persuing the fatuous claim. If
nothing else, the NFU deserve 10 Jolly Junior points for that!

Richard

--
www.beamends-lrspares.co.uk [email protected]
Running a business in a Microsoft free environment - it can be done
Powered by Risc-OS - you won't get a virus from us!!
Helping keep Land Rovers on and off the road to annoy the Lib Dems

On Wed, 9 Feb 2005 23:05:18 +0000, hugh wrote:

> In message <[email protected]>, Steve Walker
> <[email protected]> writes
>>On Wed, 9 Feb 2005 18:09:14 +0000, hugh wrote:
>>
>>> In message <[email protected]>, Anon <[email protected]>
>>> writes
>>>>Abstract of cross post to uk.legal
>>>>
>>>>
>>>>
>>>>Hi all!
>>>>
>>>>I recently posted a question entitled "Dropped like a Stone", regarding
>>>>insurance on a modified vehicle. Thanks to everyone who took the time to
>>>>reply - it soon became quite clear that I was in the wrong, and I have
>>>>attempted to correct my errors by re-insuring with a company prepared to
>>>>take the risks involved with the vehicle. What I failed to advise in the
>>>>original post is that the modifications are not unusual to the particular
>>>>vehicle in question, indeed the vast majority of owners of this type of
>>>>vehicle carry out modifications regularly in order to equip the vehicle to
>>>>their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
>>>>daily on-road, and frequently off-road in competition) The modifications I
>>>>subsequently advised covers equipment such as winches, the special bumpers
>>>>that carry them, remote control systems for the winches, dual battery
>>>>systems, safari roof-racks, sat-nav etc, etc.
>>>>
>>>>The latest broker (a specialist, who advised I was NOW insured after
>>>>acceptance of yet another Debit Card transaction) was not interested in any
>>>>of the modifications, apart from "chipping" of the engine and a suspension
>>>>"lift". He just said "what value do you think the car is worth?" I quoted
>>>>30K and he agreed a price with me for the premium, after consulting with the
>>>>Insurance Company over mods he thought may cause concern.
>>>>
>>>>Today I got a whole wad of papers from the insurance company requesting
>>>>copies of my driving licence, Thatcham reports, details of the tracker
>>>>system, what exactly the mods are, who fitted the mods, their
>>>>qualifications, etc, etc which stated that unless I reply within 14 days
>>>>with all documentation completed, the insurance will be deemed void. To add
>>>>insult to injury, there will also be a charge of 25% of the premium paid if
>>>>I cancel the cover.
>>>>
>>>>So, despite my honesty, I seem to still not be covered. Despite attempting
>>>>to list ALL of the mods to the chap at the insurance centre, I'm unsure
>>>>where I stand. He seemed to suggest that things like the roof rack and
>>>>winches would fall within the supposed "agreed value", but the documentation
>>>>suggests that "market value" will prevail. All I want to do is insure the
>>>>vehicle against loss for a replacement value of £30K.
>>>>
>>>>Any ideas?.....
>>>>
>>>>
>>>>
>>> Three things here.
>>> First the insurance company is interested in any modification which
>>> improves performance or otherwise increases risk to the car
>>> Secondly they are interested in any modifications which will increase
>>> the cost of any repair to the vehicle under a claim.
>>> Thirdly, AFAIAA *all* motor insurance is the lesser of owners declared
>>> value and "market value". The latter includes the standard vehicle and
>>> all declared accessories and modifications.
>>
>>No, you can have an agreed value insurance, where you and the insurance
>>company have agreed the value in advance. To do this you'd need to send all
>>the information about mods, etc. and have the vehicle inspected - if you
>>are a member of an owners club, there is often someone from the club who is
>>"authorised" by the insurance companies to inspect the vehicle and confirm
>>its value to them.
>>
>>Steve Walker
> Then perhaps you could point the OP in the direction of a reputable
> company offering such a policy

Most of the specialist companies do so (rather than the big names), if you
ask them. I'm from more of a kit-car background, but many of the kit-car
insurers also do classic car and 4x4 insurance. Just take a look in any of
the kit-car, claasic car or 4x4 mags or do a search on the internet.

Steve Walker

On Fri, 11 Feb 2005 11:16:39 +0000, Steve Walker wrote:

> On Wed, 9 Feb 2005 23:05:18 +0000, hugh wrote:
>
>> In message <[email protected]>, Steve Walker
>> <[email protected]> writes
>>>On Wed, 9 Feb 2005 18:09:14 +0000, hugh wrote:
>>>
>>>> In message <[email protected]>, Anon <[email protected]>
>>>> writes
>>>>>Abstract of cross post to uk.legal
>>>>>
>>>>>
>>>>>
>>>>>Hi all!
>>>>>
>>>>>I recently posted a question entitled "Dropped like a Stone", regarding
>>>>>insurance on a modified vehicle. Thanks to everyone who took the time to
>>>>>reply - it soon became quite clear that I was in the wrong, and I have
>>>>>attempted to correct my errors by re-insuring with a company prepared to
>>>>>take the risks involved with the vehicle. What I failed to advise in the
>>>>>original post is that the modifications are not unusual to the particular
>>>>>vehicle in question, indeed the vast majority of owners of this type of
>>>>>vehicle carry out modifications regularly in order to equip the vehicle to
>>>>>their "spec". (For the avoidance of doubt - it is a specialised 4x4 used
>>>>>daily on-road, and frequently off-road in competition) The modifications I
>>>>>subsequently advised covers equipment such as winches, the special bumpers
>>>>>that carry them, remote control systems for the winches, dual battery
>>>>>systems, safari roof-racks, sat-nav etc, etc.
>>>>>
>>>>>The latest broker (a specialist, who advised I was NOW insured after
>>>>>acceptance of yet another Debit Card transaction) was not interested in any
>>>>>of the modifications, apart from "chipping" of the engine and a suspension
>>>>>"lift". He just said "what value do you think the car is worth?" I quoted
>>>>>30K and he agreed a price with me for the premium, after consulting with the
>>>>>Insurance Company over mods he thought may cause concern.
>>>>>
>>>>>Today I got a whole wad of papers from the insurance company requesting
>>>>>copies of my driving licence, Thatcham reports, details of the tracker
>>>>>system, what exactly the mods are, who fitted the mods, their
>>>>>qualifications, etc, etc which stated that unless I reply within 14 days
>>>>>with all documentation completed, the insurance will be deemed void. To add
>>>>>insult to injury, there will also be a charge of 25% of the premium paid if
>>>>>I cancel the cover.
>>>>>
>>>>>So, despite my honesty, I seem to still not be covered. Despite attempting
>>>>>to list ALL of the mods to the chap at the insurance centre, I'm unsure
>>>>>where I stand. He seemed to suggest that things like the roof rack and
>>>>>winches would fall within the supposed "agreed value", but the documentation
>>>>>suggests that "market value" will prevail. All I want to do is insure the
>>>>>vehicle against loss for a replacement value of £30K.
>>>>>
>>>>>Any ideas?.....
>>>>>
>>>>>
>>>>>
>>>> Three things here.
>>>> First the insurance company is interested in any modification which
>>>> improves performance or otherwise increases risk to the car
>>>> Secondly they are interested in any modifications which will increase
>>>> the cost of any repair to the vehicle under a claim.
>>>> Thirdly, AFAIAA *all* motor insurance is the lesser of owners declared
>>>> value and "market value". The latter includes the standard vehicle and
>>>> all declared accessories and modifications.
>>>
>>>No, you can have an agreed value insurance, where you and the insurance
>>>company have agreed the value in advance. To do this you'd need to send all
>>>the information about mods, etc. and have the vehicle inspected - if you
>>>are a member of an owners club, there is often someone from the club who is
>>>"authorised" by the insurance companies to inspect the vehicle and confirm
>>>its value to them.
>>>
>>>Steve Walker
>> Then perhaps you could point the OP in the direction of a reputable
>> company offering such a policy
>
> Most of the specialist companies do so (rather than the big names), if you
> ask them. I'm from more of a kit-car background, but many of the kit-car
> insurers also do classic car and 4x4 insurance. Just take a look in any of
> the kit-car, claasic car or 4x4 mags or do a search on the internet.
>
> Steve Walker

I've just taken a look at Land Rover World and although I've not used any
of the companies mentioned in there, so can't say anything about them,
Sureterm Direct (0870 2020230) and Peter Best (01621 840400) are
advertising agreed values and Adrian Flux (08700 777888) is in there (I'm
pretty sure they do agreed value). In all probability a number of the
others in there will do it too.

I can't give any advice as to how good they are, as I've never used any of
them, never had an agreed value policy and never needed to claim on my
insurance yet - fingers crossed, 20 years so far.

Steve Walker