|
General Volvo and Motoring Discussions This forum is for messages of a general nature about Volvos that are not covered by other forums and other motoring related matters of interest. Users will need to register to post/reply. |
Information |
|
What "mods" do you declare to your insurers?Views : 1877 Replies : 30Users Viewing This Thread : |
|
Thread Tools | Display Modes |
Jul 28th, 2020, 18:32 | #11 |
Premier Member
Last Online: Feb 7th, 2024 11:00
Join Date: Nov 2012
Location: Ffos y Ffin
|
Short answer is everything that is not absolutely standard.
Volvo that's polestar, 10% loading LandRover, Bigger tyres but an alternate landrover size, no loading. Heavy duty springs with gave a 20 mm lift, no loading as the lift was incidental, lifted springs and no insurance. Spotlights, no loading. Use off road, no loading with NFU, some quotes from other companies loaded or will not insure. Both cars have manufacturers towbar and it was noted on both policies that I tow with the vehicles. This has bearing as a caravan while attached to the car is part of the vehicle. Both caravans are insured in their own right but as far as the car insurers are concerned they may be liable for damage to or caused by the caravan while being towed as it is part of the vehicle. Costs reflect that, as does the LandRovers 7 seats, more people to claim so higher cost. Every dealing with insurance company's I have ever had indicate they will only pay the minimum thay have to and will always try to avoid payment, even if the accident is not your fault, I do not give them the excuse to void my insurance. Paul. |
The Following User Says Thank You to green van man For This Useful Post: |
Jul 28th, 2020, 19:40 | #12 | |
Premier Member
Last Online: Mar 26th, 2024 19:59
Join Date: Feb 2012
Location: Preston
|
Quote:
if I bought a 2nd hand car how would I know if it had a polestar or other aftermarket engine map on it? I could be driving a car that’s modified without declaring simple because I didn’t know. |
|
Jul 28th, 2020, 20:38 | #13 |
VOC Member
Last Online: Dec 18th, 2023 20:52
Join Date: Jan 2020
Location: Bradford
|
Insurance companies can get the full build spec from HPI, but that is for how it left the factory. Accessories are probably fitted at the supplying dealership, they were at a LR dealers I worked at. Not declaring accessories means your insurance company is not obliged to replace them if you have to make a claim.
__________________
2011 XC70 AWD SE LUX D5 Polestar Black Sapphire |
Jul 28th, 2020, 20:53 | #14 | |
Premier Member
Last Online: Jun 21st, 2021 21:47
Join Date: Jun 2018
Location: Creswell
|
Quote:
But yeah most options are fitted at dealer. |
|
Jul 28th, 2020, 21:12 | #15 |
VOC Member
Last Online: Dec 18th, 2023 20:52
Join Date: Jan 2020
Location: Bradford
|
I was thinking more like tow bars, ie expensive things an insurance company will try and get out of paying for.
__________________
2011 XC70 AWD SE LUX D5 Polestar Black Sapphire |
Jul 28th, 2020, 21:24 | #16 |
Premier Member
Last Online: Feb 18th, 2024 18:40
Join Date: Feb 2012
Location: Hebburn
|
Declare everything then it doesn't give them a loophole to void your cover in the event of a claim.
Can't be too careful nowdays. I've only had polestar optimisation added to mine aside from what it was delivered with. When shopping around at renewal the number of Insurers that ran to the hills when I asked for Business Use & Polestar was shocking. Yes I was stung by having the polestar optimisation but I love it.
__________________
Current 2015 XC60 D5 AWD - Caspian Blue Previous 2012 XC60 D5 AWD - Seashell Metallic Previous 2005 S60 D5 Geartronic - Gunmetal Previous 2001 C70 T5 GT Auto Convertible - Saffron Previous 1999 S40 XS - Silver |
The Following User Says Thank You to AndyJudge For This Useful Post: |
Jul 28th, 2020, 22:00 | #17 |
Master Member
Last Online: Feb 8th, 2024 16:31
Join Date: Dec 2014
Location: Melton mowbray
|
An after mkt roof rack fitted by said reputable supplying dealer cost me an extra £25, carrying a set of ladders an extra £10. Removing a set of after mkt alloys and replacing them with a set of standard wheels, no charge. Fitting a towbar, no charge.
Fitting a silly 2 cm high boot lip spoiler on a 320 BMW, many moons ago cost an extra £40, as it was an m series one lol It is the owners responsibility to declare anything other then standard. Should you not declare any mods and your car ends up in a fatal RTA the implications are not worth thinking about. We all try and push the boundaries but the law of sod can strike at any time, so always best to pick up the phone and ask your individual company. |
The Following User Says Thank You to psl For This Useful Post: |
Jul 28th, 2020, 23:16 | #18 | |
Premier Member
Last Online: Feb 7th, 2024 11:00
Join Date: Nov 2012
Location: Ffos y Ffin
|
Quote:
Polestar is a volvo dealer item and it will be on volvo system, any dealer I take myour car to can see it has been fitted by entering the reg number into volvos system. If you want to find out go to your dealer and ask. After market unless it has stickers you may not but an aftermarket upgrade runs the risk of being over written by a volvo service, which will revert the car to standard is my understanding. Stand to be corrected on that. Paul. |
|
Jul 28th, 2020, 23:25 | #19 | |||||
Premier Member
Last Online: Mar 25th, 2024 22:43
Join Date: Aug 2009
Location: birmingham
|
Quote:
Quote:
they WILL bend you over when you have to make a claim either way Quote:
ok adding Considerable BHP would be a "yeah tell them" but changing brake pads from "that brand" to "this brand,, and ditto any other part,, they really dont need to know Quote:
Quote:
"tell them EVERY little thing then they have no excuse to not pay up" ,, they will find SOME bs reason to not pay up/ontime/true value of the car "the car is legal and meets all its spex they dont need to know" ,, they will still find bs to not pay/pay late/not pay the correct value,, you May gather that my view on In-sewer-rats is one that treats them with the utter contempt they have earnt. at least Dick turpin had the decency to wear a mask when performing highway (and legalised) robbery,, the shysters Dont,,
__________________
940s - 2l / 92 < gone&missed s401.8 xs auto <gone >V50 2.4SE Geartronic aka "the new money pit" "skyship007 has now been successfully added to your ignore list. "." |
|||||
The Following 3 Users Say Thank You to andy_d For This Useful Post: |
Jul 29th, 2020, 00:17 | #20 |
Grumpy Pond Dweller
Last Online: Mar 12th, 2024 16:01
Join Date: Nov 2014
Location: Chorley
|
andy_d .....
I may be wrong, but I get the feeling that you dont have a very good opinion as to the integrity of insurance companies.
__________________
2022 '72 XC40 B4 Ultimate Dark. Sage Green, Blonde Interior. Google Maps. ex V90, S60x2, V40 + loads of other mnfrs. over the years .................................................. .. I thought that growing old would take a little longer |
The Following User Says Thank You to Rustyfrog For This Useful Post: |
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | |
Thread Tools | |
Display Modes | |
|
|