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Jun 24, 2009 21:38:10 GMT
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Declare everything thats obvious. e.g. my injector change isn't declared, but you'd have to pull my engine apart to know that, and you'd have to an expert on the original engine to know they were different! Whereas something like a bigger turbo I'd declare - its fairly obvious and going to be a performance upgrade that makes a significant difference, for example! Alloys, splitter, stripped interior, bucket seat, harness, lowering etc is all declared though...
I'm with Flux too...
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The journey of 1000 miles starts with a single coffee.
I don't like coffee!
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Jun 24, 2009 22:21:51 GMT
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mine are all fully declared. my cortinas are down as cortina customs on my insurance paperwork as they are so heavily modded . I'm with sure term for both of them and was with co op for the datsun but just changed over to my new mk2 golf GTI and they won't cover those (no idea why) so that's now with admiral
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Jun 24, 2009 22:23:03 GMT
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maybe it depends on the underwriters terms. renewal costs! WTF that shoudl be other way round, they should be smoozing you with £45 of St Michaels vouchers to keep ya in with em. Mad, our insurance goes up at renewal too it seems. LOL. I've been in broking just over 5 years now and motor insurers have been running at a loss all that time at least.
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@pistonbroker on Twitter
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Do you declare your mods?BenzBoy
@benzboy
Club Retro Rides Member 7
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Jun 24, 2009 22:36:16 GMT
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Umm... just thought I'd point out that insurers read forums like this. My current car is standard so there's nothing to declare. When the Benzo returns that will have all mods declared. Worst case scenario, if you crash and disable someone and your insurer declares that your policy is invalid you're pretty much financially screwed for the rest of your days. Not worth the risk IMHO. I'm done with taking such risks, and I've done some daft things in the past...
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Jun 24, 2009 22:45:08 GMT
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Worst case scenario, if you crash and disable someone and your insurer declares that your policy is invalid you're pretty much financially screwed for the rest of your days
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@pistonbroker on Twitter
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Jun 24, 2009 23:43:25 GMT
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do direct line even cover modifications? luckily my sunny doesnt have a set of wide steels fitted and isnt lowered 50mm...
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1994 Mazda 323f 1.6i 16v GLX
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IDY
Part of things
Posts: 893
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do direct line even cover modifications? luckily my sunny doesnt have a set of wide steels fitted and isnt lowered 50mm... They certainly used to, I had my modified XR4x4 covered with them this was some years ago though
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I will get round to finishing it at some point
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as a 20 year old I cant really insure anything I tried to up the capacity of my old skoda by 100cc,,,which added £800 to the quote of £1100 the triumph dolly V8 will be around £2000 at the minimum with Flux,,,everywhere else being much more expensive Yeah, same age with my V8 Victor- every last nut and bolt declared set me back 2,200 with Flux, and they were the only ones who would touch it. By the time I turned 24 that had dropped to 1,450 but still, hellishly expensive. I think Flux have a little calculator thing that works out the cost of renewal as (# of cylinders) * (driver's age) / (number of cups of coffee on desk) Or at least that's the way it seems. Either way, if it's declared, they have photos, then there's not much they can go back on (technically) but you know how that goes... --Phil ps if you think that's bad, insurance on the two trucks here costs me $475 a month
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never did on the mini as i was chopping and changing all the time. Ended up doing everything i could to get it back to standard but it always bugged me and was a major incentive for me to buy something modern and standard as I'm seriously expecting to get bent over when I do declare a mod. I'm 20 (just) with 1 year NCB, a crash + 1 sp30 paying £800 fully comp on my civic or £500fully comp on a standard mini (which is not what i own)
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'88 Toyota Supra Turbo
'88 Honda VFR 400 NC24
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I have paid through the nose for it for years (this years traders insurance premium was £1020!) £1,020 a year to drive pretty much anything sounds like a bargain to me!
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My fleet: Suzuki GSX-R600Y SRAD with bald, melted tyres A borrowed Mondeo
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Tim
Posted a lot
Posts: 3,340
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Jun 25, 2009 11:45:50 GMT
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yup, £45 renewal admin fee don't get that, surely you either go elsewhere, or you don't take up the renewal and get a new quote?
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Tim
Posted a lot
Posts: 3,340
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Jun 25, 2009 11:50:32 GMT
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never did on the mini as I was chopping and changing all the time. Ended up doing everything I could to get it back to standard but it always bugged me and was a major incentive for me to buy something modern and standard as I'm seriously expecting to get bent over when I do declare a mod. I'm 20 (just) with 1 year NCB, a crash + 1 sp30 paying £800 fully comp on my civic or £500fully comp on a standard mini (which is not what I own) Not being funny, but the reason your insurance is so expensive is because you are probably the highest risk group existing, and one of the reasons for that is because of bad modifications and undeclared mods. Under 25 + Crash + speeding fine. I think £800 or £500 is bloody cheap TBH And if it is modified and you don't declare it and need to claim, then you may as well be TP F&T as they arent gonna pay out to you in the event of the accident if theres a chance you have broken the contactual agreement
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