Admiral and Mods... any experience
Admiral and Mods... any experience
OK I've had the car 8 months now, so thinking of a couple of mods. Huricane induction kit and Gear linkage/quick shift kit (as a start ).
I have Admirals multi car policy, does anyone have experience so how they would view these mods. IIRC I read that they do not pay for mods. Does this mean in the event of an accident they would just replace the damaged item with standard, or they wouldn't pay out at all.
Do I claim all mods, or do I plead ignorence and claim I bought the car like that, "All the elises I have looked at (except Sanjoy's ) have those on them, so asumed it was standard"
Cheers
I have Admirals multi car policy, does anyone have experience so how they would view these mods. IIRC I read that they do not pay for mods. Does this mean in the event of an accident they would just replace the damaged item with standard, or they wouldn't pay out at all.
Do I claim all mods, or do I plead ignorence and claim I bought the car like that, "All the elises I have looked at (except Sanjoy's ) have those on them, so asumed it was standard"
Cheers
I have the same policy and assumed they would replace with standard items if the worst happened . The mods I have exhaust , hurricane and harnesses I have declared and do not appear to have effected the price. Having had a couple of prangs I am a firm believer in telling the insurance company everything just in case they try to weasel out of paying .
No lotus
Exige Sport 350 (Sold)
Elise Cup 250 (Air con and radio tubby spec) (Sold)
Evora S (sold)
Exige Sport 350 (Sold)
Elise Cup 250 (Air con and radio tubby spec) (Sold)
Evora S (sold)
yup - on admiral here, and adding the mods bizarrely reduced my policy by £20! Mods declared - filter and sports zorst. They wouldn't note the decat pipe as strictly speaking its not legal.
As tenk said, always best to declare, just to prevent against the possibility of weaseling
As tenk said, always best to declare, just to prevent against the possibility of weaseling
Ferrari 458
Porsche 993 C2
Disco V
Porsche 993 C2
Disco V
Probably worth noting that they arent as kind to 21year olds "modding" their car, which is why I didnt declare them. Not that I would say a filter and exhaust is "modded". Not sure of your age etc blaque but if it makes it no more expensive then declare.
The assessor that came out spent more time telling me how great his Touareg was than looking at my car.
The assessor that came out spent more time telling me how great his Touareg was than looking at my car.
I'm with Bell, I have declared the engine mods you can see. My suspension was not upgraded it was replaced with the *ahem* new standard Lotus type 111 suspension... (Afterall we all know the S2 is an S1 in drag )
Curiously my mods were listed as Exhaust/manifold non-standard and filters non-standard, that will be the de-cat covered then
Curiously my mods were listed as Exhaust/manifold non-standard and filters non-standard, that will be the de-cat covered then
1994 Lotus Esprit S4 - Work in progress
1980 Porsche 924 Turbo - Funky Interior Spec
2004 Smart Roadster Coupe - Hers
1980 Porsche 924 Turbo - Funky Interior Spec
2004 Smart Roadster Coupe - Hers
Yup - insurance companies are getting worse and worse at looking for the littlest thing that would invalidate cover and get them out of paying anything in the case of a claim.
Bear in mind, your policy will state that you must declare all modifications from the homologated spec. Failure to disclose is technically insurance fraud
Legalised robbery.
Bear in mind, your policy will state that you must declare all modifications from the homologated spec. Failure to disclose is technically insurance fraud
Legalised robbery.
2010 Honda VFR1200F
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
The story that an insurance company will invalidate your premium because you didn't declare an exhaust is a myth AFAIK. If the offending item was proven to be a contributing factor in the cause of the accident then they could invalidate it.
What I have heard of them doing is forcing you to pay the difference had you declared it in the first place.
Saying that, I've declared all my mods.
What I have heard of them doing is forcing you to pay the difference had you declared it in the first place.
Saying that, I've declared all my mods.
Myth or not - fancy taking the risk? What you say is definately true of manufacturer warranties, but I'd be a lot more wary of insurers...simon wrote:The story that an insurance company will invalidate your premium because you didn't declare an exhaust is a myth AFAIK. If the offending item was proven to be a contributing factor in the cause of the accident then they could invalidate it.
What I have heard of them doing is forcing you to pay the difference had you declared it in the first place.
Saying that, I've declared all my mods.
It's pretty clearly worded that any undeclared mod can invalidate insurance in any schedule I've seen. It only takes an arsey assessor to make sure you are miles out of pocket should the unthinkable happen....
2010 Honda VFR1200F
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
I just agreed with G....Gareth wrote:But who's willing to take that chance?simon wrote:The story that an insurance company will invalidate your premium because you didn't declare an exhaust is a myth AFAIK.
...I need a lie down
2010 Honda VFR1200F
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
1990 Honda VFR400 NC30
2000 Honda VTR1000 SP1
2000 Kawasaki ZX-7R
On previous cars my mods were declared however my stage 2 exhaust isnt. Does it strictly need to be, its a Lotus part afterall. Whats to stop a dealer selling a car to an unsuspecting customer who has no idea that the stage 2 isnt the standard exhaust?
Could an insurance company void a claim on that?
Edit: and on topic Admiral = fcuking gash on mods IMO, wanted 400 extra for the tints on my CTR.
Could an insurance company void a claim on that?
Edit: and on topic Admiral = fcuking gash on mods IMO, wanted 400 extra for the tints on my CTR.
Last edited by kenny on Tue Sep 05, 2006 12:52 pm, edited 1 time in total.
Eventually everyone comes round to my way of thinking...it's normal ShugShug wrote:I just agreed with G....Gareth wrote:But who's willing to take that chance?simon wrote:The story that an insurance company will invalidate your premium because you didn't declare an exhaust is a myth AFAIK.
...I need a lie down