That makes a bit more sense then - my insurance is £330, so £400 for yours seemed a little high, but with all those extras it sounds much better.
Insurance woes
- Thread starter KillerHERTZ
- Start date
st4
Banned
KHz should give Adrian Flux a call. They deal with modded cars, young drivers etc and you may get a better quote, so see what they russle up, and cancel your existing policy if you get a better quote.
If they were common factory options (e.g. plenty of 202s came out the factory with the optional 17" AMGs) they'd have to be particularly zealous to start asking questions. Of course if they were after market 19s and were damaged I wouldn't consider unreasonable to refuse to replace them (if they weren't declared).
verytalldave
MB Enthusiast
One further point I forgot to mention was that my policy has a protected NCB. I can make an unlimited claim once every two years and retain full NCB.
Even better then
I've never bothered with protected no claims as the 15% then 5% extra for the next two years works out around £50. Just doesn't seem worth it to me (unless you have two "fault" accidents in one year).
Dieselman
Banned
- Joined
- Jul 13, 2003
- Messages
- 34,199
- Car
- Peugeot 403 Convertible
Even better then
I've never bothered with protected no claims as the 15% then 5% extra for the next two years works out around £50. Just doesn't seem worth it to me (unless you have two "fault" accidents in one year).
I always worked by that method until my current insurer offered it with no cost penalty at all.
They were cheap, lowest excess, comprehensive and protected. Bell which is part of the Admiral group.
verytalldave
MB Enthusiast
Admiral have lots of fingers in lots of pies...........
http://www.admiralgroup.co.uk/corporate/our_companies.php
http://www.admiralgroup.co.uk/corporate/our_companies.php
I used James Footman and declared all my mods on the SEC and got an agreed value... I also go the SL on the same policy all for £500 ish.. and i think we are similar ages.
Anyway... we hear all these warnings that we MUST tell our insurance if we change so much as a door pin but how many people have ever been refused a pay out for having a few little goodies like this.... as long as you dont expect them to pay for an AMG bumper should it get written off I doubt anyone would ever notice.
Insurance assessors are usually just interested in verifying that the car is a write off and unless the car has five NOS tanks and a turbo out of a yacht, i doubt they would even notice.
How many of these guys will know the difference between a standard bumper and an AMG one...
Anyway... we hear all these warnings that we MUST tell our insurance if we change so much as a door pin but how many people have ever been refused a pay out for having a few little goodies like this.... as long as you dont expect them to pay for an AMG bumper should it get written off I doubt anyone would ever notice.
Insurance assessors are usually just interested in verifying that the car is a write off and unless the car has five NOS tanks and a turbo out of a yacht, i doubt they would even notice.
How many of these guys will know the difference between a standard bumper and an AMG one...
Dieselman
Banned
- Joined
- Jul 13, 2003
- Messages
- 34,199
- Car
- Peugeot 403 Convertible
Jay, you're probably right, but what if they did refuse a payout and your car was trashed.?
Anyway, more imortantly, when are we going clubbing then..
BARGAIN PRICES FOR MBCLUBBERS!
Anyway, more imortantly, when are we going clubbing then..
BARGAIN PRICES FOR MBCLUBBERS!
yes your probably right, but if i were in his position, i would not have bothered over a bumper...
dare i say more obvious mods like wheels or suspension i would as the assessor would notice things like this...
we are clubbing... its the MB CLUB!
dare i say more obvious mods like wheels or suspension i would as the assessor would notice things like this...
we are clubbing... its the MB CLUB!
Corrado
Active Member
KHz, on your old policy could it have been possible to change it to TPFT for the last two months? That would have at least given you the 2ys NCD at the end of the policy. Also, when it comes to arranging insurance next time you wouldn't have to answer an embarassing "yes
" to the question "have you ever have insurance refused or cancelled?"
For your new policy, have you tried increasing the voluntary excess? It can make a surprising difference in your favour to the cost of the policy. I currently have mine at £500.
" to the question "have you ever have insurance refused or cancelled?"For your new policy, have you tried increasing the voluntary excess? It can make a surprising difference in your favour to the cost of the policy. I currently have mine at £500.
- Joined
- Nov 29, 2002
- Messages
- 7,668
- Location
- London\Essex
- Car
- E63s s213 2019, E55 2004 Silver-SOLD, E63 w212 Weistec AMG-SOLD, E55 2004-SOLD, C36 1997-SOLD
when i put my 18`s on instead of 17`s, they said as long as they are original mercedes, they didnt care, when it got assessed last time they didnt say a thing!, i wont say too much on here regd ur situ. phone a few more brokers, i know some like adrian flux, you can knock down.
Basically you are making your car look like a more desirable model and a greater risk model, so they don't want to insure you, if you make a modification you need to find out beforehand, not afterwards.
For example, I told my insurance company that I was fitting a towbar to my Peugeot, my premium went up by 70 a year but anything I was towing was then covered aswell.
You changed the agreement, so they are well within their rights to cancel the policy as you changed the conditions, not them.
As for anyone saying just don't tell them, that's very naive, I agree that for many things they will never be noticed, but if they are and your insurance is made void, you could be in for a life of financial ruin.
Just remove the rear bumper, fit the old one and finish the policy. If you have already cancelled it then see it as a lesson learnt.
As for what money they charge, i'm sure it's just the finish of that months term (If paid monthly) and then a smal cancelation fee of 25 pounds or so, it was when I cancelled a policy through Liverpool Direct, ask around though as they will try and gt every penny whether it be allowed or not.
Dave!
For example, I told my insurance company that I was fitting a towbar to my Peugeot, my premium went up by 70 a year but anything I was towing was then covered aswell.
You changed the agreement, so they are well within their rights to cancel the policy as you changed the conditions, not them.
As for anyone saying just don't tell them, that's very naive, I agree that for many things they will never be noticed, but if they are and your insurance is made void, you could be in for a life of financial ruin.
Just remove the rear bumper, fit the old one and finish the policy. If you have already cancelled it then see it as a lesson learnt.
As for what money they charge, i'm sure it's just the finish of that months term (If paid monthly) and then a smal cancelation fee of 25 pounds or so, it was when I cancelled a policy through Liverpool Direct, ask around though as they will try and gt every penny whether it be allowed or not.
Dave!
Colin_b
MB Enthusiast
- Joined
- Jul 9, 2007
- Messages
- 1,779
- Location
- Leicester
- Car
- C250CDI (C320CDI & SLK350, Sold) & the Trusty Citigo
Certainly worth shopping around. My slk is around 320pa, including protected NCB, which is cheaper than my old car (a clio 182), which was 4 groups lower.
I did get a lower quote, but that would have required a tracker, and several higher ones, the worst being 900.
verytalldave
MB Enthusiast
I suspect Cumbria attracts lower car insurance ratings than a suburb of London.
I did shop around and the quote I got for the policy details suited me better than some of the cheaper prices I got. In this ultra-competitive world a lower price usually means that something is not as good. Not always I grant you, but usually. Unless you go through with a magnifying glass in small print, you are unlikely to find these shortfalls until you come to claim. I have had reason to claim twice with my current insurer and both times was dealt with in an exemplary fashion. Thats worth more to me than a few quid saved.
But thats me. Each to his own.
Agreed, saving 50 and then having the stress of a badly run insurance company is not even worth thinking about. A friend of mine had a 11 month wait after being dicked about on a claim to his 306 GTI6.
Dave!
- Joined
- Nov 6, 2007
- Messages
- 13,703
- Location
- North Oxfordshire
- Car
- His - Denim Blue A220 AMG Line Premium / Hers - Obsidian Black R172 SLK55
Very sound advice when it comes to motor insurance. My experience is that a large number of insurer's simply refuse to insure anything that's not bog-standard because it means they don't have to bother working out whether or not it represents a different risk. Each time I've modified any of my vehicles in the past I've written to the insurance co first giving details of what I propose to do and asking if it will affect my premium in any way. Getting a response in writing saying "OK, if you go ahead it will cost you £xx pa more" means that everyone knows where they stand. Much easier in the long run.
BTW, answering "yes" to the "have you ever had a motor insurance policy cancelled" question normally sounds alarm bells with most insurers and may have something to do with the prices you've been quoted. Try to get the situation resolved if you can with your original insurer so that the policy runs to then end of it's term.
What we're talking about aren't massive modifications but additional factory options that the insurance company didn't know weren't already on the car and would only come to light if they ran the VIN through a stealership to get the full specification.
Imagine the situation:
You buy a 3 year old MB, looks to be in good, original condition. You are involved in an accident a few months later and after investigation it turns out that the car has an aftermarket "performance" air filter panel and a factory-optional grill that wasn't fitted at the factory but by the previous owner simply because it looks slightly better. Your insurance is voided, as are all your other insurance policies, you are sued for the cost of the insurance claims and you are financially ruined for life.
Seem fair? From what this thread has suggested that's exactly what could happen.
Users who are viewing this thread
Similar threads
