Insurance on both vehicles is coming up for renewal.
When we bought the i10 we paid for the optional extra of ESP.
It appears that this is a "modification" on insurance and we get hit accordingly. Most of the low cost companies won't quote.
Any views on this? I've asked for the quote on the basis of an "uprated brakes" modification..
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I can't see how this is a modification if it came with it from the factory. Especialy for something like ESP it dosn't make sense.
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Its not a "modification" so dont declare it.
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do as AEquite rightly says
insurance companies dont you just luv em
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I'd have thought that if you can see into the future and do mind-reading, then your premiums should actually be reduced.................. :-)
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I'd have thought that if you can see into the future and do mind-reading then your premiums should actually be reduced................
But maybe the insurance company are using this facility!!!!!
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im a named driver on SWMBO,s insurance, but i seem to do all the driving just recently do i have to tell the insurance people? how would they prove that i was doing all the driving apart from following me 24/7?
Edited by zookeeper on 31/12/2009 at 20:31
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do i have to tell the insurance people?
It is a material change and the T's&C's say that you should tell them. When it has happened to me they just made a note and no charge - it may be different for a parent with a named child driver though.
how would they prove that i was doing all the driving apart from following me 24/7?
If you make a claim they may well ask - do you then lie or hope for the best - they may well ask you neighbours and nosey all over the place. They will spend time and money trying to get out of a payout.
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>> do i have to tell the insurance people? It is a material change and the T's&C's say that you should tell them.
Its NOT a material change, its an option. Would I tell the Insurance company I had ordered cruise control as an option? No I wouldnt.
they may well ask you neighbours and nosey all over the place. They will spend time and money trying to get out of a payout.
for a normal claim? they wont quiz the neighbours believe me.
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AE,
I think martin is commenting on the post about changing main drivers.
But more to the point, how interesting did your claim have to be for the insurance to start quizzing the locals?
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i suppose if i was high on crystal meth and i wiped out a queue of people at the bus stop they might get nosey, thinking about it they could trace all my fuel fill ups from my bank statement then check out all the fuel stops cctv,s and get me everytime i suppose....smoking gun ( fuel nozzle)
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AE I think martin is commenting on the post about changing main drivers.
Ah Maybe I should listen before I speak.
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Ah Maybe I should listen before I speak.
Maybe I shouldn't have responded to an off-topic post ;)
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One thing to be aware of though is that if the car is written off then its value will only be based on that of the standard car. This is particularly an issue with some companies when a car, loaded with options, is written off in its first year.
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>.Any views on this? I've asked for the quote on the basis of an "uprated brakes" modification..
I think you or the quote (person or interweb form?) have somehow been talking at cross-purposes here. ESP isn't an modification in ins. co. usage - it's a manufacturer option.
Go back to the site or call centre & don't say/use 'modification' - it's not. They're thinking you're tinkering around with things or getting somebody else to.
Your previous policy for 6 months - when you originally bought - didn't say 'modification' did it?
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Since ESP significantly reduces the risk of being involved in an accident, perhaps you should be asking the insurance company for a discount instead...
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It can't be a modification if it was built that way.
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A modification is something different from how it left the factory. If it arrived at the dealer with ESP then its not a mod.
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How about metallic paint then (bet it costs more than ESP anyway), would you have to declare that? Very much doubt it.
But I see the point that someone made above about replacement costs should your car be written off - you can sometimes add 50% cost or more in options - satnav, leather, different wheels etc - I would want my insurer to know, but then they ask for a replacement cost of the car when you take out the insurance so surely they would make the connection.
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Let me guess LondonBus, you're using one of those comparison websites? They see *everything* as a modification, then flag your quote as if you've fitted a bodykit and supercharger to it.
Take off the so-called modification and normal service will be resumed...
Or better yet, get individual quotes from actual insurance companies and mention the options fitted then. All will be fine in that case, it's just the comparison website that get their knickers in a twist over this sort of thing.
I had the same when I tried to use a comparison site for a fully loaded S80, most companies wouldn't quote me when I mentioned the options, yet when I went to those companies directly and said what options it had, no problems at all...
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I have come to the conclusion that most car comparison sites are a waste of time.
The quotes that come back are wholly innacurate, and you can get better deals by phoning round. My best price was from Aviva (that beat all the other "online" quotes) who were not even on comparison sites.
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they can work AE especially for younger drivers as it is the only way they can get a sensible ball park figure to start whittling down
i use a broker and so does the wife, me because of my job, the wife because he can tailer a better service for the same price as the internet
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The cheapest quote came from Bell - and the effect of putting ESP on is to slightly increase the premium.
Its not a modification but be aware that insurers ask you to confirm that the vehicle is standard spec - no options.
Clearly ours isn't - it has an optional extra.
I'm having all sorts of fun with our Nissan Almera Tino which as aftermarket parking sensors. So to avoid sillyness I'm ringing round. Don't get me started on insurance call centres...
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>>I'm having all sorts of fun with our Nissan Almera Tino which as aftermarket parking sensors.
I've never, ever heard of, or had any quibbles/questions about any 'modifications' as trivial as this - is this thread for real?
As far as 'options' go - again this is something that insurers simply aren't interested in - if the car stays in the same insurance group, all that matters is the accepted value - and I don't believe this changes much over a large range anyway.
The words 'rod for your own back' & 'making' come to mind here.
Edited by woodbines on 04/01/2010 at 17:25
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Agreed. I used to be with Direct Line who wouldn't touch me with a barge pole when I had my car chipped a couple of years back, but with other cars equipped with various options and aftermarket add-ons (including parking sensors), they've not batted an eye-lid.
No premium change or anything.
AFAIK, the only factory fitted extras car insurers get excited about is alloy wheels. Larger alloys can and do attract higher premiums from some insurers.
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I'm having all sorts of fun with our Nissan Almera Tino which as aftermarket parking sensors. So to avoid sillyness I'm ringing round. Don't get me started on insurance call centres...
My giddy Aunt, what planet are you on? you dont declare that! get real man!
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Once when searching online all the web brokers (before the amalgamation sites) there were a couple that had the question "does it have stripes".
I suppose a test of the mentality of the owner rather than the vehicle?
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