Insurance For Mods

Discussion in 'General Discussion' started by rirhill, Jan 6, 2003.

  1. rirhill

    rirhill Hardcore MB Enthusiast

    Messages:
    467
    Joined:
    Dec 29, 2002
    Location:
    Yorkshire Dales
    Car:
    Mercedes E350 CDI Estate
    I am posting this as my car a E320 AVG which as new was supplied with a AMG Bodykit and 18inch AMG alloys. No mods to the engine, exhaust etc.
    My problem is that some insurance companys will not cover me and some quote silly prices over £1000 with 8 yrs no claims etc.

    What is the meaning of Modications as these items were suppiled by Mercedes prior to registation. FACTORY OPTIONS
    Other companies do quote but you don t get the feeling that they have checked with underwriters as to whether the kit and wheels are covered.
    Has anyone had a similiar experience or is this just another case of us being ripped off by insurance companys.

    I call everywhere and got it from a local branch for £650 but I could have paid nearly double.
     
  2. paulrstaylor

    paulrstaylor Hardcore MB Enthusiast

    Messages:
    213
    Joined:
    Jul 10, 2002
    Location:
    Manchetser
    My insurance company were only interested in if the car had been modified from new, factory options are original....
     
  3. Koolvin

    Koolvin Administrator Staff Member

    Messages:
    10,058
    Joined:
    Jun 1, 2002
    Location:
    Staines
    Car:
    W168, W169 & S202
    I am with a specialist as after 3 mods insurance companies dont want to know!!

    I pay 1100 pounds I think.
     
  4. Richard W

    Richard W Hardcore MB Enthusiast

    Messages:
    493
    Joined:
    Jun 10, 2002
    Location:
    Berkshire
    Car:
    BMWs :-)
    KV - who do you use? Mine's up in Feb and I'm looking for the best deal (as a Yorkshireman I resent spending money I don't have to!)

    Thanks

    R
     
  5. Koolvin

    Koolvin Administrator Staff Member

    Messages:
    10,058
    Joined:
    Jun 1, 2002
    Location:
    Staines
    Car:
    W168, W169 & S202
    try Elephant.co.uk if you have 1 or 2 mods or no mods but I am with:

    Herts Insurance Consultants
    Portland House
    29 Basbow Lane
    Bishops Stortford
    Herts CM23 2NA

    phone: 01279 506090
     
  6. Fudger

    Fudger Hardcore MB Enthusiast

    Messages:
    643
    Joined:
    Jun 6, 2002
    Location:
    Woking
    Car:
    Awaiting delivery
    This may be of interest to you.

    I used Chris Knott insurance brokers for my CLK430 with modified suspension and wheels. The insurance itself is with WREN at Lloyds for £760 per annum.

    I have max no claims declared.

    Cheers

    Jonathan
     
  7. OP
    OP
    rirhill

    rirhill Hardcore MB Enthusiast

    Messages:
    467
    Joined:
    Dec 29, 2002
    Location:
    Yorkshire Dales
    Car:
    Mercedes E350 CDI Estate
    Many Thanks Gents.
    I have managed to get it for £650 from local Insurance. The message seems very very clear you can save upto 1/2 by shopping around.
    It does annoy me how they describe factory options from Stealership as modications. These are Optional extras.

    Thanks Again
    Ian
     
  8. Richard W

    Richard W Hardcore MB Enthusiast

    Messages:
    493
    Joined:
    Jun 10, 2002
    Location:
    Berkshire
    Car:
    BMWs :-)
    Thanks for the info guys - I'll try them

    R
     
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