Had to cancel policy

Discussion in 'Insurance & Finance' started by Grovsie31, Jul 21, 2015.

  1. Grovsie31

    Grovsie31 Active Member

    Messages:
    979
    Joined:
    Feb 3, 2015
    Location:
    Stafford
    Car:
    2009 335i DCT
    Just rang up to declare my modification to exhaust system, secondary cats are removed and silencer and hastings direct said they wouldn't insure the car.

    Has anyone else had this problem?

    Any company's ok with this? its a pretty common mod for these AMG's and lots of others, what are all you AMG drivers using?
     
  2. Borys

    Borys MB Enthusiast

    Messages:
    1,764
    Joined:
    Feb 16, 2011
    Location:
    Nowe nad Wisla
    Car:
    2005 cl500
    Why would you do that in the first place, I mean tell them Once I declared winter tyres and they didn't want to insure
    For me its like this
    I have a c63 and I drive at all times 70mph on motorway... oh hold on I will make a trip to local Police station....dear officer my car is too fast and I keep breaking the freaking speed limit ha ha ha
     
    Last edited: Jul 21, 2015
  3. whitenemesis

    whitenemesis MB Club Veteran

    Messages:
    16,527
    Joined:
    May 7, 2007
    Car:
    Lexus RC300h F-Sport 2019
    Direct Line refused to insure car with exhaust modifications. Lucky I inquired before making the mods, as required in their T&Cs

    Always check before making mods, there are companies sympathetic to these types of modifications. Equally there are those that point-blank refuse.

    Not to inform puts one in breach of the terms and conditions from any insurance company. Not worth the risk IMO
     
  4. jotter22

    jotter22 MB Enthusiast

    Messages:
    2,250
    Joined:
    Apr 23, 2013
    Location:
    Gravesend,Kent.
    Car:
    CLK 320 Avantgarde convertible
    with nothing helpful to add you still felt the need to post?:dk:

    Swinton also do modification cover under the specialist banner, Adrian flux among numerous others gl with the search.

    Tony.
     
  5. OP
    OP
    Grovsie31

    Grovsie31 Active Member

    Messages:
    979
    Joined:
    Feb 3, 2015
    Location:
    Stafford
    Car:
    2009 335i DCT
    Thanks ill try Adrian Flux.

    I was paying 440 with hastings which I thought was a bit of a bargain at the time. Now its 650, because the cars a bit louder? WTF. Waiting for a call back off Sky, and chris Knott wont insure me cus it RWD.
     
  6. mickday

    mickday Active Member

    Messages:
    190
    Joined:
    Jun 23, 2014
    Location:
    Lincolnshire
    Car:
    W212 E63
    I have declared all my mods and mine is insured with LV
     
  7. daveenty

    daveenty MB Enthusiast

    Messages:
    3,425
    Joined:
    May 12, 2007
    Location:
    NW UK
    Car:
    S63 Coupe
    Adrian Flux are one of the better ones, and are sympathetic towards modified cars.

    Mines insured with Privilege and they have no problems with mine being modified, and all my mods are declared and actually printed on the documents. As whitenemesis states above, they could very easily use any modification as an excuse not to pay out on a claim, so make sure you mention everything, irrespective of whether you think it relevant or not. :)
     
  8. BTB 500

    BTB 500 MB Club Veteran

    Messages:
    18,834
    Joined:
    Aug 7, 2005
    Location:
    Berkshire
    Car:
    R129 SL500, W639 Vito 120, S203 C230
    Most of the comparison websites (comparethemarket etc.) allow you to enter mods. - you will see on the list of insurers that comes up which ones won't quote.

    I've used Elephant and Admiral (both the same company) for my SL (sports cats and centre muffler delete).
     
  9. OP
    OP
    Grovsie31

    Grovsie31 Active Member

    Messages:
    979
    Joined:
    Feb 3, 2015
    Location:
    Stafford
    Car:
    2009 335i DCT
    This is a ****ing joke. Im being told over 900 quit by Adrian Flux. I was paying 440.
     
  10. Peter DLM

    Peter DLM MB Enthusiast

    Messages:
    2,285
    Joined:
    Aug 24, 2007
    Location:
    Milton Keynes
    Car:
    19 reg CLS 350d, 67 reg AMG GT R Caterham Levante
    Daimler Insurance is generous with modifications. They added a 90hp+ chip/remap to my policy for free.

    They aren't the cheapest, but offer built-in GAP and other benefits plus won't mess you around on a claim.
     
  11. st13phil

    st13phil MB Enthusiast

    Messages:
    8,201
    Joined:
    Nov 6, 2007
    Location:
    North Oxfordshire
    Car:
    His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
    With your rate of modding, you should have enough "superseded documents" to paper your house by now...



    :D :D :D


    Seriously, undeclared mod's are one of the easiest get outs for an insurer to void a claim, so you effectively have no insurance unless they are.
     
  12. st13phil

    st13phil MB Enthusiast

    Messages:
    8,201
    Joined:
    Nov 6, 2007
    Location:
    North Oxfordshire
    Car:
    His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
    Perhaps you should have made enquiries before making the mod's? Your bargaining position is now roughly zero.
     
  13. OP
    OP
    Grovsie31

    Grovsie31 Active Member

    Messages:
    979
    Joined:
    Feb 3, 2015
    Location:
    Stafford
    Car:
    2009 335i DCT
    Whatever mate, insurance is a load of crap, always has been, always will be. Rip of England.
     
  14. whitenemesis

    whitenemesis MB Club Veteran

    Messages:
    16,527
    Joined:
    May 7, 2007
    Car:
    Lexus RC300h F-Sport 2019
    Until you claim against a 3rd party and rely on their policy to put you back on the road...

    Work with it or it will work against you, there's no (legal) way round it, so play canny and it will reward.
     
  15. DrFeelgood

    DrFeelgood MB Enthusiast

    Messages:
    9,183
    Joined:
    Nov 10, 2005
    Car:
    BMW 740Li
    England's finished because you failed to check the consequences of your meddling?
     
  16. developer

    developer MB Enthusiast

    Messages:
    8,207
    Joined:
    Dec 28, 2007
    Car:
    Volvo V90 D5 AWD
    Aviva have a drop down of mods. Exhaust mods are zero on cost.
     
    1 person likes this.
  17. kianok

    kianok MB Enthusiast

    Messages:
    1,898
    Joined:
    Feb 12, 2011
    Location:
    Leeds
    Car:
    E220 AMG line premium plus coupe
    Really?

    I've been with them for the last 4 years without any issue.
     
  18. John

    John Hardcore MB Enthusiast

    Messages:
    12,179
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    I spoke to Direct Line when I was insured with them - didn't have long left on the policy.

    They said they would allow the mods under their policy but I could not renew it with them so I went elsewhere.

    I've heard anecdotal stories of people with mods getting insurance with them so I've no idea as to the actual situation.
     
  19. whitenemesis

    whitenemesis MB Club Veteran

    Messages:
    16,527
    Joined:
    May 7, 2007
    Car:
    Lexus RC300h F-Sport 2019
    Direct Line covered all my cosmetic, wheel and ICE upgrades without issue or premium increase. They allowed my coil-overs (with a 25% premium increase) but point blank refused any exhaust modifications or braided flexible brake hoses!

    I then changed my 270CDI for my CLS55 and they halved my annual premium.... :dk:
     
  20. st13phil

    st13phil MB Enthusiast

    Messages:
    8,201
    Joined:
    Nov 6, 2007
    Location:
    North Oxfordshire
    Car:
    His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
    In my experience Direct Line make it up as they go along when it comes to modifications.

    My attitude was that if they couldn't give consistent, coherent, answers when I was asking questions then they probably couldn't be trusted to deal with a claim unless the car was absolutely standard and with no options. I took my business elsewhere and am unlikely to return.
     
Tags:

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.