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XC90 '02–'15 General Forum for the P2-platform XC90 model |
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Polestar PollViews : 13527 Replies : 60Users Viewing This Thread : |
View Poll Results: Would you tell your insurance company about your Polestar? | |||
Yes | 112 | 66.27% | |
No | 57 | 33.73% | |
Voters: 169. You may not vote on this poll |
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Apr 12th, 2010, 00:05 | #21 | |
VOC Member
Last Online: Feb 1st, 2023 12:27
Join Date: May 2007
Location: Rye, East Sussex
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Quote:
It's actually very confusing as to what is standard and what is an extra as Volvo change what's included and what isn't every year as far as I can make out, from discussions on the forum.
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Apr 13th, 2010, 09:54 | #22 |
Junior Member
Last Online: May 6th, 2015 19:47
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Location: Leicester
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I spoke to a volvo salesman about a XC90 test drive. I told him I would like to try an XC90 with the unmodified engine because my currant insurer will not insure a remaped car. He said he only had a 205 hp XC90 as volvo were trying to push this mod. He said don't worry about the insurance as the remap is undetectable and most people don't tell their insurer anyway. He did add that Volvo insurance would cover it.
Why didn't volvo just make this standard or at least offer a seperate 205 hp model alongside the 185 hp one? I would be happy to pay an extra £600 for a higher hp virsion, but I'm not so keen to pay that for a "performance enhancing accessory". |
Apr 13th, 2010, 18:42 | #23 |
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Have you actualy asked the insurance company how much extra it will be? You mihght be surprised and fin d there be no extra premium ..
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Apr 13th, 2010, 19:42 | #24 |
Volvo & Victory owner
Last Online: May 16th, 2014 11:29
Join Date: Oct 2009
Location: Mid Welsh border
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Don't bother asking Direct Line - as per my other thread, they will automatically decline to insure a car with ANY engine or ECU modifications (including Polestar)
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Apr 13th, 2010, 22:34 | #25 |
New Member
Last Online: Jan 8th, 2012 21:49
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Location: Forfar
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Already had test drive of XC90 with polestar and going to add on when ordering. next week. I called current insurer ( Admiral) for quote with and without out this added on along with other factory fitted extras and difference was £4.00...yeah only £4.00 for the 8 months left.
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Apr 13th, 2010, 22:49 | #26 |
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Last Online: Dec 8th, 2015 19:54
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Location: Surrey
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Wehey, my car arrived at the docks today, should get it soon.
In the meantime I just had a look at some insurance quotes and so far I found that if you only declare tinted windows as a mod on Compare the Market you only get back those insurers that allow (engine) mods. Cheapest price with tints: £526 with Admiral, AXA didn't show. Cheapest price without specifying a mod: £393.30 with AXA. Admiral came to £502 without tints. I went to AXA's website direct and looked at the fine print and they do actually cover manufacturers options such as tints on the back windows, but they do not allow engine mods or front tints. So dont trust comparison websites if you specify mods (other than engine mods) on them.
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Apr 13th, 2010, 22:54 | #27 | |
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Last Online: Oct 23rd, 2022 20:52
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Location: Köln, Germany
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Quote:
Direct Line wanted £80 more...... b****y rip-off!
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Apr 15th, 2010, 14:34 | #28 |
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Last Online: Oct 9th, 2015 09:56
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I am not advocating misleading the insurance company. But this is my experience.
I owned a shiny luxury sports car. It was my pride and joy and I spent £4,000 modifying the car with new body kit, lower (1") suspension, uprated supercharger pulley, cone air filter, new dashboard, interior trim. The most noticeable addition was the cone air filter and the body kit. The body kit was OEM, but from a newer model. I never told the insurance company; I never thought about the insurance before modifying the car, and afterwords the prices I was getting where stupid; in the region of £1000's more for the mods. The silly thing was the effect on performance was 400bhp -> 420bhp, not a major improvement. Recently I wrote the car off. It wasn't a bad crash and no-one else was involved; I hit a puddle and lost control. The insurance company has now paid out on the claim. They did ask if it had been modified (I said no) but DIDN'T question it. HOWEVER; After the accident I was on a knife's edge while the car sat in the bodyshop, and didn't relax until I got the payout. Would I change things in future? Certainly. In future I would not modify a car beyond original spec. I still won't report factory options however such as tints, running boards, etc. because these are factory and can be argued but I won't be getting the Polestar upgrade on my XC90. |
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Apr 15th, 2010, 14:55 | #29 | |
VOC Member
Last Online: Oct 23rd, 2022 20:52
Join Date: Apr 2009
Location: Köln, Germany
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Quote:
Most insurance companies seems to add a small charge for cosmetic extras from factory like wheels (upgraded one's), tints, tow bars etc, but not for other options like BLIS, Dynaudio, Parking Sensors, Winter Pack etc. At least in my experience. As a note, I made a quote for my XC60 with Admiral and the factory tints and the price was only £20 more. Not bad considering the other option of not disclosing it and risking much more than a simple £20 fee.
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2019 XC60 T6 R-Design 2017 S6 Avant 1996 850R 1987 780 Bertone Lots of previous Volvo's |
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Apr 15th, 2010, 17:29 | #30 | |
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Last Online: Oct 9th, 2015 09:56
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Quote:
I admit that it was dangerous not disclosing the extent of my modifications, but insurance companies only have a leg to stand on with respect to completely refusing a claim for performance modifications. The body shop owner told me that if the insurance company does try to weasel out of the claim, take the matter to court. They will always back down before it gets that far. The worse the insurance company will do is charge you for the modifications that you didn't report, except in performance enhancing situations where it gets a bit more tricky. You certainly do not risk prison, and are not driving without insurance. I would report the polestar upgrade, but certainly would not quote for modifications based on a tinted windscreen from the factory. They just would never bat an eyelash at that. I recon my saving grace was that I used all factory parts which could have come from the manufacturer as options. |
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