Polestar and Insurance- what do we advise them? - Page 3

Crockers · Nov 27th, 2019, 13:02

No increase with my insurer NFU.

Philip Fisher · Nov 27th, 2019, 16:40

From the FAQ section of Aviva's website.

Seems clear to me. It is a change *after purchase from new* so if you fit polestar before you pay then it is not a modification.....

"You asked: What is a modification?

We class a modification as a change to the original manufacturer specification, as described in the manufacturer brochure/catalogue, after purchase from new

Please call us on 0800 092 3615 to discuss if you are unsure if your vehicle has been*

Considered1 · Nov 27th, 2019, 17:08

Just a word of warning for anyone with youngish named drivers.

When I had the XC60 D4 VEA I added my son to the policy when he was 21 with 3 years NCB for £200ish pa. Direct Line wanted £7k the year before!

I got the car polestared and yes its a modification , fine for me as minimal increase in performance so no extra premium but My son had to come off the policy as he was under 25!

So he couldnt drive a 2.0 deisel with 200hp as it was "modified"

But it was ok for him to drive and Audi RS6 5.0 with 572hp! as it wasnt modified.

Make sure you ring your insurers about everything as it will be recorded, just incase they try to be clever as most discussing factory spec havent a clue.

iain cooper · Nov 27th, 2019, 18:38

If you add anything to your car that is deemed to make it more attractive to a thief and/or adds value then you should inform the insurer, otherwise they have the right to reject a claim.

Iain

key76 · Feb 15th, 2020, 20:25

I have Polestar added to my new S90 - it was done by the dealer before I collected the car new.

My insurer (LV) have insisted on me specifying it, but are under the impression it adds no additional power and so have not increased the premium.

I thought it did add power rather than just optimisations.

Is there somewhere I can find out exactly what it adds (or doesn't) so I can correct that with them. I know I am opening myself up to a larger premium but I would rather that than not declare it correctly and have them decline to payout.

MikeGMT · Feb 15th, 2020, 20:47

Quote:

Originally Posted by key76

I have Polestar added to my new S90 - it was done by the dealer before I collected the car new.

I thought it did add power rather than just optimisations.

Is there somewhere I can find out exactly what it adds (or doesn't) so I can correct that with them.

Have a look here https://engineered.polestar.com/uk/u...=S90&market=uk

key76 · Feb 15th, 2020, 21:15

Quote:

Originally Posted by MikeGMT

Have a look here https://engineered.polestar.com/uk/u...=S90&market=uk

Just what I was looking for. Thank you.

So looks like a 3 bhp peak power increase, and a gain of 0.1 sec on the 0-60 speed.

Can't see that increasing premium too much

simonjedrake · Feb 15th, 2020, 22:53

Quote:

Originally Posted by key76

I have Polestar added to my new S90 - it was done by the dealer before I collected the car new.

My insurer (LV) have insisted on me specifying it, but are under the impression it adds no additional power and so have not increased the premium.

I thought it did add power rather than just optimisations.

Is there somewhere I can find out exactly what it adds (or doesn't) so I can correct that with them. I know I am opening myself up to a larger premium but I would rather that than not declare it correctly and have them decline to payout.

I am with LV as well and with 3 x XC60’s all Polestar’d from new the additional premium has been nominal.

MidnightT4 · Feb 17th, 2020, 07:11

Had this done before Christmas.

Called Direct Line and no increase to premium as the HP gain wasn't classed as sufficient to change the costs.

Bluenose129 · Feb 17th, 2020, 14:06

Had Polestar installed on Friday by my dealer on my XC60 D5 2018. I found that Caffyns were charging £495 fitted incl vat and rang my dealer and they matched this price. When I went to collect it the white Polestar badge was on the back. Got into the car started the engine and selected Polestar, and it was not there, looked exactly the same, still only Economy, Comfort, Dynamic and individual modes? Went back into the dealership and asked if this was correct. They did not know but assured me it had been fitted. They said they would check and pulled the car back into the workshop. They ended up keeping the car and delivered it to my house a few hours later. Anyway , its now showing it listed and comes up on the dash instead of dynamic.

Does it change the other modes, i.e. Comfort, Economy? Is there anyway of getting it to default to Polestar on start up?

I phoned Aviva regarding the insurance. Never heard of it, they need to contact their underwriters?

Nov 27th, 2019, 13:02	#21
Crockers Premier Member Last Online: Feb 22nd, 2024 06:49 Join Date: Jan 2012 Location: North Wilts	No increase with my insurer NFU. __________________ XC60 Inscription Pro T5. Mussel Blue with blonde. Xenium, intellisafe pro, towbar, 4 zone , polestar, body styling pack. Apple car play.Tinted windows NOW SOLD

Nov 27th, 2019, 16:40	#22
Philip Fisher Premier Member Last Online: Yesterday 21:47 Join Date: Dec 2002 Location: Sheffield	From the FAQ section of Aviva's website. Seems clear to me. It is a change after purchase from new so if you fit polestar before you pay then it is not a modification..... "You asked: What is a modification? We class a modification as a change to the original manufacturer specification, as described in the manufacturer brochure/catalogue, after purchase from new Please call us on 0800 092 3615 to discuss if you are unsure if your vehicle has been* __________________ Currently:- MY16 XC90 T8 Momentum, Magic Blue 174k miles. MY17 V60 T4 Power Blue. Previously:- 1997 V70 T5 exPolice; 2005 V50 2.0D; 2013 XC70 D5

Nov 27th, 2019, 17:08	#23
Considered1 Premier Member Last Online: Jul 13th, 2021 21:30 Join Date: Jan 2014 Location: North Yorkshire	Just a word of warning for anyone with youngish named drivers. When I had the XC60 D4 VEA I added my son to the policy when he was 21 with 3 years NCB for £200ish pa. Direct Line wanted £7k the year before! I got the car polestared and yes its a modification , fine for me as minimal increase in performance so no extra premium but My son had to come off the policy as he was under 25! So he couldnt drive a 2.0 deisel with 200hp as it was "modified" But it was ok for him to drive and Audi RS6 5.0 with 572hp! as it wasnt modified. Make sure you ring your insurers about everything as it will be recorded, just incase they try to be clever as most discussing factory spec havent a clue. __________________ Audi RS6 5.0 v10 Quattro, Sepang Blue, Dynamic Ride Control BOSE TV 572hp 20" wheels Fuel Card! MY15 Volvo XC60 D4R-Design LuxNav FWD Auto Polestar 200HP, Saville Grey,Privacy,DSP,Winter illumination,On Call,Gear Shift,F&R Park Assist & Camera

Nov 27th, 2019, 18:38	#24
iain cooper Senior Member Last Online: Dec 17th, 2021 12:26 Join Date: Apr 2015 Location: argyll and bute	If you add anything to your car that is deemed to make it more attractive to a thief and/or adds value then you should inform the insurer, otherwise they have the right to reject a claim. Iain __________________ MY15 XC60 D4 FWD SE LUX NAV Geartronic

Feb 17th, 2020, 07:11	#29
MidnightT4 Senior Member Last Online: Aug 5th, 2023 18:55 Join Date: Aug 2007 Location: Aberdeen	Had this done before Christmas. Called Direct Line and no increase to premium as the HP gain wasn't classed as sufficient to change the costs. __________________ Flat Earth Riders Group.

Feb 15th, 2020, 20:25	#25
key76 Member Last Online: Oct 23rd, 2022 16:59 Join Date: Jun 2019 Location: South	I have Polestar added to my new S90 - it was done by the dealer before I collected the car new. My insurer (LV) have insisted on me specifying it, but are under the impression it adds no additional power and so have not increased the premium. I thought it did add power rather than just optimisations. Is there somewhere I can find out exactly what it adds (or doesn't) so I can correct that with them. I know I am opening myself up to a larger premium but I would rather that than not declare it correctly and have them decline to payout.

Feb 17th, 2020, 14:06	#30
Bluenose129 New Member Last Online: Oct 25th, 2022 22:26 Join Date: Jan 2019 Location: Ringwood	Had Polestar installed on Friday by my dealer on my XC60 D5 2018. I found that Caffyns were charging £495 fitted incl vat and rang my dealer and they matched this price. When I went to collect it the white Polestar badge was on the back. Got into the car started the engine and selected Polestar, and it was not there, looked exactly the same, still only Economy, Comfort, Dynamic and individual modes? Went back into the dealership and asked if this was correct. They did not know but assured me it had been fitted. They said they would check and pulled the car back into the workshop. They ended up keeping the car and delivered it to my house a few hours later. Anyway , its now showing it listed and comes up on the dash instead of dynamic. Does it change the other modes, i.e. Comfort, Economy? Is there anyway of getting it to default to Polestar on start up? I phoned Aviva regarding the insurance. Never heard of it, they need to contact their underwriters?

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