Mods declared To The Insurance Company

[guest2913]

Hi there everyone,
I'd had to claim on my insurance the mods my jazz has
Black out windows 80% - rear only
genuine jazz sport bumper
back box with tips
spoiler
to be told that's a extra 83 pounds and not replaceable in events of a crash, wrote off or stolen.
So is this a money making for insurance?
I feel robbed!
Is they a insurance company out there which protects you, car and mods?

[bill ericay]

I was a Mod in 1965, but I haven't told my insurance company.
I didn't think they would be interested.

[guest2913]

Trust me they are, asked all things I've added, even 10 pound parking sensors of ebay, charged me 20 to insure them but again stupid thing is, its a non replaceable part they say, I've never felt so badly done too!

[Garyman]

That is generally what most insurance companies do unfortunately- and why some people choose not to disclose their mods to insurance companies for this reason- ie they wont replace like for like.

There are more specialised car insurance companies which will cover like for like mods but they are obviously more expensive- depends how much you're willing to pay.

Greenlight and A-Plan are companies I've used in the past that covers mods.

HTH

Gary

[RichardA]

I've got the dealer-fit spoiler declared on my insurance, some insurance companies won't quote because of it.

[degzi]

Interesting. On my Audi I had a full stainless exhaust and non standard alloys and it cost me nothing extra. I told them alloys were worth less than£300 and exhaust didn't improve engine performance.

Also recently added breakdown cover. I did it online and it quoted an extra £5per month. I changed it to pay as a one off and it was £12.37 for 5months. Crazy ...

[RichardA]

I got some quotes last week with and without the spoiler, there was no difference in the prices.

[guest2913]

I've set an email asking them why add cost if they they not willing to replace if a event of claim, its no different going shopping paying they saying you cant have the product! the email i got back was, it makes the car a high risk! and for the honda  bumper from the sport model was it's not a standard part to that model and the parking sensor was yes it does reduce the chance of claiming on my insurance but they said it a high risk item but doesn't answer the question why charge for extras if they not willing to replace! so i ring up and completed after searching online for policies to find my insurance company does insure for mods to get a reply. yes we do but at a extra cost on top! daylight robbery! but it wasn't that bad for 18 pound for a one of payment!
I'm even thinking of writing to insurance regulation department to see if this is actually unfair trading! from what i see no matter if it's a Jazz or to a Ford ST they going to be lot of back up if it causes big numbers!

[culzean]

Car insurance is a bit of  racket, no doubt about it.  Last company I worked for I had to travel in my own car from midlands down to Berkshire about four times a year for head office meetings,  and apparently you have to add 'business use' to your car insurance for this.  This is ludicrous because I  often travel up to top of Scotland or down to Cornwall for holidays,  a much greater mileage.  I wasn't carrying samples or passengers or anything else to do with business except myself - but it cost me more. 

When they agree to insure you an insurance company is making a gamble on how likely your car is to be involved in an accident or stolen etc. the younger the driver and higher spec the car is the lower the odds become,  and the higher the premium.  Standard cars are 'grouped' by insurance companies into performance and cost of repair, the cheaper the bits and the lower the performance the lower the standard group becomes, and the cost of insurance.  They say non-standard parts cost more to replace but then add that they won't replace them like for like anyway,  just fit standard bits to make car standard again, the extra they charge is probably because mods make your car more attractive, and while whole cars are hard to steal these days the 'goodies' could be a target and get stolen (the young lad who lives opposite me has had the side skirts stolen off his modified Fiesta a couple of times now).

[olduser1]

Insurance companies these days are just behind bankers, seem to spend their time not providing customers with service.

[DAN@ADRIAN FLUX]

Hi,
Please feel free to give us a try for insurance if you like. Our modified car schemes cover modifications on a like for like basis. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.

[guest2913]

I did but it was 5 pound cheaper but by the time I cancelled my insurance to swap i would be at a loss and sadly am having a bad month! rent to pay, insurance ripping the hell out of me and jazz failed it mot on 9 items and i think I'll be going home asking for some help! so maybe next year! or a few months down the line!

[guest907]

I also have to pay Business Insurance as I travel to attend meetings and the Insurance definition of 'To and From Work' was a 'single place of work'.

I volunteered the fact the car already had a manufacturer extras pack fitted, park sensors, mouldings, sat nav etc. and this was ok...and is mentioned on the policy at no extra cost.

[guest5079]

I too was concerned about Insurance Companies and add ons. 
I have insured via a broker for several years now with RSA ( Royal Sun Alliance)  Being a retired 'copper' and having had the benefit of driver training I am assured I get a good deal.  I have found that RSA have always been OK with queries. I have a protected no claims
BUT when I have been in the position of need they have been excellent.
When we bought the Jazz, they were contacted re change of vehicle and basically it meant no difference from our previous car a V6 Rover 45. However, after a dink in a car park several years back, my Wife was pleased when I fitted front parking sensors to the Rover ( the Rover already had rear ones ) With the Rover, insurance wise, no problems.
I then read on Club Jazz about difficulty with Insurers over add ons, so I asked my broker ( now wholly owned by my compatriots both serving and retired) and asked about fitting front and rear parking sensors. Reply NO problems. No question of extra charge either. Incidentally, never having had a secondhand car with a 2 year warranty before I asked the Honda dealer the question. If I fit front and rear parking sensors myself any problems with warranty? No problems, only caveat was, fit front parking sensors yourself?  Well I didn't want to pay Honda about £1000 for the privilege. It may seem like a bit of overkill but a few minutes asking can save a lot of problems later.
I suppose, if you can get a good deal with cheaper insurance then there is always a question of how they do it cheaper, so I suppose they the insurers have to claw the money  back somehow.   I in my serving days remember no end of problems with cheap insurance and also the stupid berks, who didn't bother to check first finding the Insurers had pulled the plug in THEIR hour of need. In the case of Insurance never take anything for granted.

[guest5251]

when kath passed her driving test i rang the insurance company to let them know and they charged me an extra £50,i asked why and was told that she will be making decisions by herself with no guidance from another driver ,my reply to them was she has been riding a scooter for 7 years and has been making those decisions everyday so she is used to decision making i was still charged £50 .