Adrian Flux - a bit worried after signing up...

[Deleted member 154425]

I rang them today to look for a new insurance to declare my PPF and other slight modifications.

FIrst the typical 'New Windows' sales technique - quoting a silly price before eventually going down.

So anyway, this is for my e63S so I declared PPF and de-chrome bits, and here is how the call went

Me: Bla PPF, Chrome Bits
AF: That's fine
Me: Do you need the value
AF: No, not necessary
Me: So isn't there any maximum value you insure modifications
AF: No, it's fine


Then eventually I got my papers and because I am pedantic, I actually read the lot (and cry about the fact that even if I don't keep it I am likely £80 out of pocket).

Here is what worries me.

a. Under modifications, there is only the PPF - which they put down as vinyl - that I don't care about - sort of .. most quotations don't seem to have PPF specifically in their database
b. Value noted for said modification : £0 << That's the first thing that bothers me
c. No de-chrome noted
d. Current mileage (never asked me) : 99999

I sent them an email asking WTF but no response yet. But I am tempted to just ring them tomorrow and cancel again because I have the dreaded feeling, when it comes to that - they either a. won't cover my mods or even worse, b. cancel the policy as there are quite significant errors in it.

Has anyone got experience with AF and modifications and actually read the papers and confirm similar ?

 

[markjay]

I declared my COMAND retrofit to Aviva.

My policy now says 'Boost valve upgrade'....

No idea what's going on with these things.

 

[Deleted member 154425]

Which is a big problem when it comes to claiming. In terms of PPF it seems that it SHOULDN'T matter whether you declare it or not - if you are willing to pay for it if you have an accident as the opposing party will need to pick it up anyway. Doesn't help with theft and uninsured drivers for eample.

 

[Deleted member 154425]

What are you on about?

Just posting in the right thread.

I am on about the fact the insurance papers do not listen what I told them in terms of modifications and we know insurance companies can be a pain to deal with when it comes to claims. Given that half the mods do not appear in the docs as I reported them - surely it is an easy way out for them when it comes to it.

 

[Deleted member 6183]

Just posting in the right thread.

I am on about the fact the insurance papers do not listen what I told them in terms of modifications and we know insurance companies can be a pain to deal with when it comes to claims. Given that half the mods do not appear in the docs as I reported them - surely it is an easy way out for them when it comes to it.

You bought a standard car and decided to mess around with it, you then try and tell an insurer what you have done to it. You've described these mods badly here so the insurer is probably as confused as the rest of us.

Yet, in your world, it's the insurance broker who is wrong?

 

[Deleted member 154425]

You bought a standard car and decided to mess around with it, you then try and tell an insurer what you have done to it. You've described these mods badly here so the insurer is probably as confused as the rest of us.

Yet, in your world, it's the insurance broker who is wrong?

Say what.

I explained exactly what the modifications are and I merely paraphrased here to not have a 2000 word thread. I explained step by step what was done and as a car insurer you should be able to understand what Paint Protection Film is and what it means to paint door handles.
In terms of confusion, surely if you tell someone 'door handles have been painted black that used to be chrome' and it doesn't show up in the policy - then yes, it is their fault. And if an advisor doesn't understand what I am talking about - then ask.

Another guy here replied to the original thread that he retrofitted COMMAND and the policy said 'Boost Valve Update' ... Whose fault is that - the guy who tried to explain COMMAND or the insurance to add some random fact because he didn't understand it.

Adrian Flux are advertising themselves as an insurance for 'heavily modified cars'

"Adrian Flux is the UK's largest specialist motor insurance broker, covering everything from classic and vintage cars, right through to heavily modified sports cars.".

Sorry but if they don't understand what PPF or painted door handles is then they are in the wrong business.

And whether or not this is 'messing about' with a standard car is surely subjective. Calling applying PPF to a 100k car 'mess' is a bit ... over the top.

 

[Deleted member 149005]

Some did comment you’d have problems with insurance after your mods...

That said a bit of cling film hardly counts as a significant error..

AF are known as a comedy of errors - prepare to be fleeced if you cancel..

 

[Deleted member 154425]

Some did comment you’d have problems with insurance after your mods...

Oh yea 100% - which is why I looked and informed my current insurance before I did anything with it - I am just not happy with the premium. As I say though, my point is, don't advertise you are happy to insure 'heavily modified cars' if you don't understand the basics or even worse and you don't understand - leave it out.

I mean let's face it - people modify more than just PPF - I mean I wouldn't expect to pay 500 quid a year for Brabus 900 It might not be easy but obviously doable.

I am just annoyed that if I didn't read the papers completely - it could have potentially bite me in the but and as my original post says, I am merely asking if anyone had similar issues, assuming it is even an issue.

 

[Doodle]

Most underwriters won't view PPF and painted door handles as mods that have an explicit monetary value, and thus there's no scheme in place to cover these on a like for like replacement basis. That is why you got the responses you did regarding not needing to know the value - they've noted them on the policy but odds are they aren't covered for replacement in the event of a claim. You are going to have to specifically push for that replacement clause in the policy, but be prepared for the fact that most underwriters won't be interested.

In the sphere of "heavily modified vehicles", the changes you have made are practically non-existent. I spent many years sending a couple of sides of A4 covering parts and details to the broker for the yearly premium, in some cases for a vehicle with less than 20 examples in the country at the time. They're expecting you to tell them what it's worth, they'll throw it at the underwriter who will grab a figure out of thin air based on the prices and details you gave them.

 

[markjay]

I have declared to my insurer a long list of mods, none related to drivetrain, and they confirmed for each mod that it won't affect the premium. However none of these seem to be showing on the policy... I'll need to give them a call regarding this 'Boost valve upgrade'.

Either way I wouldn't lose sleep over it.

Also, I don't really expect any of the mods to be covered, other than the COMAND retrofit which is covered apparently up to £500.

 

[clk320x]

Anyone know why OP was deleted?

 

[Deleted member 6183]

Anyone know why OP was deleted?

GDPR request I expect.

It's the new flounce.

 

[Deleted member 149005]

Anyone know why OP was deleted?

probably didn't like the answers he was given...

 

[Deleted member 37751]

If he’s “deleted” how can he still post?

Or has he just changed his username?!

 

[markjay]

I have reasons to believe that the OP may have deleted (or tried to delete) his user account due to the initial welcome and responses in this thread. If he does read this, I do hope he comes back, it's all banter and we're all good sorts, really.

 

[Deleted member 6183]

If he’s “deleted” how can he still post?

Or has he just changed his username?!

Flounced and demanded that his data is removed under GDPR is my guess.

 

[Deleted member 37751]

Flounced and demanded that his data is removed under GDPR is my guess.

I get that people may want to do that but my confusion stems from how he’s still able to post?

Also, I’m not exactly sure GDPR is the thing to use in this case, I’m sure that what you post on the forum effectively becomes “the forum’s”.

Either way, bizarre.

 

[Will]

He hasn’t posted since his account was deleted, his posts remain but his username has been changed (to ‘deleted user’)

If you look back, you will find his original ID quoted in other people’s posts

 

[Deleted member 149005]

his "name" changed when he deleted -i don't think he has posted since deleting his account....

 

[Deleted member 6183]

I get that people may want to do that but my confusion stems from how he’s still able to post?

Also, I’m not exactly sure GDPR is the thing to use in this case, I’m sure that what you post on the forum effectively becomes “the forum’s”.

Either way, bizarre.

That would be why the post content remains but his 'personal' data such as name and profile details are removed, most likely under a GDPR request.