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Discussion Starter #1
Question!!!!

If on buying a car I'am unaware or not made aware that a car has engine mods, what is the insurance companies stance in relation to a claim.

Surely if I bought a performance car, how am I to know if the engine is standard.

If I have no mechanical knowledge I can only see that it has 17" alloy wheels and even these may come as standard on a 1997 900 SE Turbo.

The reason is the diference between £500 and £1500.

Any thoughts lads.....
 

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I think it unlikely - ignorance of the law and all that - "Oh sorry guv but that was on there when I bought it and I haven't got a clue as to what it does" I am sure that most insurers would use whatever they could to avoid a claim. However, if already fitted, how is anyone buying a car to know if an ECU has been upgraded unless the car was dynoed? Many years ago I bought a 'standard' Mini Cooper - it was only after reading about tuning mods that I discovered that it had a 'tuned' exhaust manifold on it - didn't stop me putting a stage 3 head on it and keeping quiet
 

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My insurance co. put up my premium by 50quid because someone bumped my rear at 5-10mph, stating that because I'd had a non-blameworthy accident I was now a greater risk (although I've never ever claimed)
I now have the opinion of telling them nothing. Its all a con, legalised extortion (My opinion only and not that of SSc ) Tell them only what you CAN'T get away with
 

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You are obliged to tell insurance companies of any "material fact" that may influence the way in which they underwrite the risk.

If you are aware of any changes to the standard specification (ie: the way in which it left the factory) then you are obliged to inform them. This includes different alloys or even a spoiler fitted by the dealer.

The way in which insurance companies view this differs between different insurers, and the way in which it is likely to affect your premium also differs.

In the event of a claim, you may find that you are not covered for any of the modifications, indeed, they may only cover the minimum required by the Road Traffic Act. Insurance companies are not your friend, they are not there to help you in the event of a claim, they are there to maximise premium revenue and minimise claim payments. However, it's in their T&Cs that you must inform them of anything that may or that you think may affect their underwriting of the risk.
 

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Discussion Starter #6
soooooooooooooooooooooooo.....
... if I don't know that the engine has been modded coz I never look under the bonnet , then as far as I know, the car is standard right?
 

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Originally posted by MrBungle:
[qb]soooooooooooooooooooooooo.....
... if I don't know that the engine has been modded coz I never look under the bonnet     , then as far as I know, the car is standard right? [/qb][/b]
Erm, but you have already been here and told us that it has been modded. You clearly know something is not standard about the car, don't you?

Have you tried Adrian Flux. I got a cheaper quote with them on a modded Saab than I got with Direct Line when it was standard.
 

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adrian flux insures me as well
they can be a pia but they do get the job done (eventually !!)
my premium was about 100 dearer than standard from the aa
for that it is not worth the risk...
it is worth shopping around as different companies have very different attitudes to modifying...
 

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Where do you stand when you fitted better performance brakes etc. Does it go up because they work on the assumption you can stop faster, thus more people will run into the back of you, or will it go down cause you can stop in a shorter distance thus the little boy who runs out between parked cars does get shunted down the road as per the TV advert?
I also think the DVLA should revise the stopping distances used in the Learn to drive training booklet. Those figures were applicable when I was driving my Mk1 Cortina on drum brakes and skinny crossply tyres!
 

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we will soon see
my insuranceisup in september and my big mod this year is the big brakes ..
so hopefully a reduction...
(I will not hold my breath )
 

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Discussion Starter #11
I rang Adrian Flux.
30 Year old git with 2 SP30's.
5 Years NCB.

£454 TPFT.

Told them of allys and chipped.

That should be enough. They insisted on a cat 2 minimum imoberlizer fitted. Doesn't the GM 900 SE have that as standard?
 

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Bigger brakes do tend to put the premiums up, in the case of Elephant around £10 I think.

The insurance companies seem to work on the theory that if you think you need better brakes then you are obviously going to be driving harder than someone with standard kit and so more likely to have an accident.
 

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Originally posted by MrBungle:
[qb]That should be enough.  They insisted on a cat 2 minimum imoberlizer fitted.  Doesn't the GM 900 SE have that as standard? [/qb][/b]
Yes, they did on mine too, but I have factory fitted Category One alarm/immo

Not sure if all GM900 had at least cat2 fitted as standard. Think it depends on model year and specification.

What does your key fob look like?
 

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I've always found Adrian Flux to be more expensive than most of the other specialists when I've had a quote - and no, I've never had a claim, nor have any points.

This year the cheapest quote I had, believe it or not was from Tesco(!) followed by Sainsburys(!!), who had better cover for very little extra.

I know of a few owners clubs for various cars that have done deals with insurers that will allow an unlimited number of mods in exchange for a higher fixed premium.

I also thought the number of actual mods also could count against you, anything over 3 as a rule and things get expensive .
 

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Originally posted by Alex_S:
[qb]Bigger brakes do tend to put the premiums up, in the case of Elephant around £10 I think.

The insurance companies seem to work on the theory that if you think you need better brakes then you are obviously going to be driving harder than someone with standard kit and so more likely to have an accident. [/qb][/b]
I suppose there's also a higher chance of some fool running into the back of you too!

I know sometimes on the motorway when everyone starts panic braking that I do get worried, not that I'll be able to stop, but that the car (or worse still lorry!) behind me wont!
.
 

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In my experience the really big one that "upsets" insurers is hp increase as a ratio over standard.

Since I've had mine, (declared modified when I first insured it) I've added quite a few "extras" totalling several thousand pounds without any increase in premium.

However, now that I have completed my power upgrades, I am looking at another £100 or so on top of the existing premium (previously declared 20% over stock, now declared circa 50%).

I cannot and will not condone non declaration of material facts to your insurers that may ultimately affect the indemnity afforded to third parties. You've been happy to purchase the toys- you should accept the responsibility that goes with them IMO.
 

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Originally posted by Mark E:
[qb]I cannot and will not condone non declaration of material facts to your insurers that may ultimately affect the indemnity afforded to third parties. You've been happy to purchase the toys- you should accept the responsibility that goes with them IMO. [/qb][/b]
I totally agree and that includes the speeding fines!
 

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Discussion Starter #19
Originally posted by Cosmic Blue 9-5:
[qb] QUOTE
Originally posted by Mark E:
[qb] I cannot and will not condone non declaration of material facts to your insurers that may ultimately affect the indemnity afforded to third parties. You've been happy to purchase the toys- you should accept the responsibility that goes with them IMO. [/qb][/b]
I totally agree and that includes the speeding fines! [/qb][/b][/quote]I was only asking if there was a loophole or something. This post has got way to serious. Maybe there's to many Germans about!!!
 

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Originally posted by MrBungle:
[qb]Maybe there's to many Germans about!!!    [/qb][/b]
There are a few Germans about, along with Dutch, Americans, Canadians, Italians, French, South Africans, Irish, to name a few off the top of my head. All Saab enthusiasts and great contributors. Don't knock it.
 
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