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WLJayne

WLJayne

Well-Known Member
Posts
3,810
Location
Derpyshurr
Hi guys,

Well my insurers got back to me. I sent them a very polite email in which I described the mods I wanted to make, namely:

- AT tyres
- Light guards
- Nudge bar
- Rock sliders

The came back with a flat no to all of it. What is the point in me having a landy if I can't do anything with it? I'm going to look into getting new insurance now. Gonna try A plan first, any other suggestions for insurers who are ok with mods?

I didn't exactly ask for the world, I'm pretty cheesed off about that.

Will.
 
Last edited:
I'm pretty pished off about that
Click to expand...

don't blame ye .. fer being miffed ..

did you ask why ?

~~~~~~

those mods do suggest you'll be heading off-road ..

did they say anything to the uprated water pump ??
or .. that was not mentioned ( just curious if they'd say 'yes' to that )

~~~~~~~

btw: re another thread about dash-cams ..
this looks to be a good one .. no gps or pc software .. but impressive video 'n photo options ..
i.e. for it's price @£111 .. from amazon uk ..
youtube vids from it are some of the better quality i've seen ..
Roadrunner 500 Car Video Recorder Prestigio
( all specs. can be seen in the downloadable manual pdf )

~~~~~~

rekon the car insurance biz be simply a license to print money ..
 
Last edited:
I told them I would be green laning on public byways but not on oft-road pay and play, they said ok, they also said ok to the pump. This was before I took out the policy.

Just had a pretty good quote from Flux, considering all mods allowed etc. Third party is cheaper and to be honest on a £2500 car (maybe even less) that might not be such a bad thing. Fully comp would be £500 more.

Just waiting to hear back from A plan now.
 
high my insurance asked if i was going off roading when we renewed the policy(changed from previous car)they had no problems or increase in premium all they asked was all mods were done by qualified persons with work reciept and paperwork available should they require it..they said i could fit what ever i wanted for off roading only specification was appropriate tyres and brakes,lights for normal road use.

this was with bewiser insurance policy coverd by axa

hope this helps

carl
 
simmy said:
high my insurance asked if i was going off roading when we renewed the policy(changed from previous car)they had no problems or increase in premium all they asked was all mods were done by qualified persons with work reciept and paperwork available should they require it..they said i could fit what ever i wanted for off roading only specification was appropriate tyres and brakes,lights for normal road use.

this was with bewiser insurance policy coverd by axa

hope this helps

carl
Click to expand...


I did have a sky high quote from Be Wiser but I might try Axa, thanks mate.

Will.
 
- AT tyres
- Light guards
- Nudge bar
- Rock sliders


A dumb question,,

I have changed my tyres on all the cars I have owned when they wear out,
and not for the manufactures recommended over priced ones,,
I never said any thing to the insurance company..
(You don't have to,, the car has to have tyres)

Some little bits of plastic or metal over the lights, is not as bad as all these people with dark spray on them,,
(do they tell the insurance??)

Nudge bars are just a cosmetic thing and could have come with the car as standard,
(I wont be telling any one if I fit some,,they were on it when I purchased it):rolleyes:

are rock sliders any different to side steps,,I am sure the insurance people don't know..

Why with all the modifications people do on here do you insist on telling the insurance company,,
all the items you list are either a necessity or could have been fitted when new..

I am sure I wont be giving them any extra money for things Land Rover fitted as standard,,or because I fitted new tyres..
They get enough as it is...

But its your money ,,you through it at th insurance company if you wish..
Rant over...sorry..
 
IndiTd4 said:
- AT tyres
- Light guards
- Nudge bar
- Rock sliders


A dumb question,,

I have changed my tyres on all the cars I have owned when they wear out,
and not for the manufactures recommended over priced ones,,
I never said any thing to the insurance company..
(You don't have to,, the car has to have tyres)

Some little bits of plastic or metal over the lights, is not as bad as all these people with dark spray on them,,
(do they tell the insurance??)

Nudge bars are just a cosmetic thing and could have come with the car as standard,
(I wont be telling any one if I fit some,,they were on it when I purchased it):rolleyes:

are rock sliders any different to side steps,,I am sure the insurance people don't know..

Why with all the modifications people do on here do you insist on telling the insurance company,,
all the items you list are either a necessity or could have been fitted when new..

I am sure I wont be giving them any extra money for things Land Rover fitted as standard,,or because I fitted new tyres..
They get enough as it is...

But its your money ,,you through it at th insurance company if you wish..
Rant over...sorry..
Click to expand...

Last year I drove my old Honda, which was my first car that I'd had for four years, into the back of an Audi which had braked suddenly, I was found at fault. Now imagine if the insurance company had been able to wriggle out of the £10k claim the driver made because they found something non-standard on my car. They would have refused cover and I would now be bankrupt. I'm not going to expose myself to that kind of danger, not in a million years.

In reality those mods are tiny and mostly cosmetic, but why would an insurance company stick its neck out for you? They make tons of money without your business. So you just have to grovel, either that or risk being ruined.
 
or as you have already said take your money else where mate,,,

I think a sticky for bad insurance companies would be a great idea..

I am sure they would eventually work out why all the customers were going else where..

I use Admiral Multi-car, and when we insured the Freelander instead of the Honda we had,
all they asked "Had I modified the car in any way" no I haven't!! is the answer,,
but I cant say what the previous owners have done to my 9 year old motor..;)
 
i was asked if i had been off roading before i said no and wasnt likely to but they said as along as it was by approved person it would not alter premium..as i say only insistance was approved road tyres.as do most insurances they say should have tyres recommended but never say anything as everyone will get the tyre they can afford.

plus my age may have something to do with as well(49)hope you get sorted

carl
 
Well axa said no to everything too. Flux quoted me £1950 per year TPF+T which was underwritten by Red Star I think. That's not bad really, £200 a month and they are ok with mods. It's a risk, and anyone sensible would say fook it just stay with the lowest priced one and suck it up.

But seriosuly there's no point in having an SUV if you're not going to get it muddy and use it for what it was designed for, and with a Freelander you at least need AT tyres to do that.

I don't know, maybe I should hold off for a bit and see if I can really afford the extra expense. Trouble is I need new tyres now and a new VCU for the winter, I don't want to be stuck with road tyres if I then get a policy which says ok to mods :(.

The bastard thing is that I'm just about to get my new workshop up and running again as a spare time money earner and I've got enough in back purchase orders to finance it but I don't like spending money before I have it in my hand - **** goes wrong when you do that.

Will.
 
wrasse69 said:
wow bad news there be someone who will insure with the mods at a reasonable price :confused:
Click to expand...

I'm gonna assume you typed that in a rush mate :D, if you're asking whether someone will insure the mods for a reasonable price I'd say; what constitutes reasonable?

£1950 may seem like a lot, but if they let me fit any accessory I want, lift the suspenion, put big tyres on it, and I'm going to go out on a limb here and dare to suggest dropping in a K series turbo then I'd say that's pretty reasonable.

It depends on value for money, and it will go down as I grow older. That crash taught me boat loads of road humility and I drive very sensibly (shuddup DD :D) but my age will always blight me.

If I start earning mor in my spare time again and can save aswell as paying for all this then I think it'd be a safe luxury.

Will.
 
yes your right i am 42 and it cost me £350 fully comp! thats with no mods!

my insurance came down over £100 when i put the wife on the policy.
she probably never drive it she has a a class merc that i got her last week 55 plate with 38k on the clock!


lee
 
Just renewed £220 fully comp aged 51. No mods - wasn't they the people that the rockers kicked the sh*t out of down in Brighton in the 60's?
 
WLJayne said:
Hi guys,

Well my insurers got back to me. I sent them a very polite email in which I described the mods I wanted to make, namely:

- AT tyres
- Light guards
- Nudge bar
- Rock sliders

The came back with a flat no to all of it. What is the point in me having a landy if I can't do anything with it? I'm going to look into getting new insurance now. Gonna try A plan first, any other suggestions for insurers who are ok with mods?

I didn't exactly ask for the world, I'm pretty cheesed off about that.

Will.
Click to expand...
A plan, flux and Nfu have all been fine with my mods and there are loads more on my list than on yours.
 
WLJayne said:
Last year I drove my old Honda, which was my first car that I'd had for four years, into the back of an Audi which had braked suddenly, I was found at fault. Now imagine if the insurance company had been able to wriggle out of the £10k claim the driver made because they found something non-standard on my car. They would have refused cover and I would now be bankrupt. I'm not going to expose myself to that kind of danger, not in a million years.

In reality those mods are tiny and mostly cosmetic, but why would an insurance company stick its neck out for you? They make tons of money without your business. So you just have to grovel, either that or risk being ruined.
Click to expand...

Not true. They have to pay out the 3rd party claim, they may refuse to pay for your own damage however.

Some companies allow modifications, some don't. Check before you buy then you wont be offended when they say no.

I also agree with whoever said it above, I wouldn't have bothered telling them about any of those mods that could have come from the factory like that.
 
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