Renewal time

190 Views 3 Replies 2 Participants Last post by ChrisKnottIns, 8 d ago

deepfat

Discussion Starter · 9 d ago

I originally posted this on the F/TF forum, sorry people I thought I knew all the side streets/forums on here but obviously not!

Renewal time, does anybody on here work in the insurance world and can define a "mod"
I regard my car as basically standard but with lots of "mods" such as not the original wheels (but std on other TF's), coloured interior lighting, brake servo stiffener, DAB radio etc and the list goes on and on. I'm pretty sure the broker/insurance co will not even bother to read it unless a claim is forthcoming. But then fan and sh*t come into play and how would I stand legally?

I'm reaching the point where the list is so long that if I put everything on it (and remember them all) I fear that the sheer length may make them think it's substantially modified, I forgot the bloody non std wheel nuts last year so have I been driving uninsured. I've just fitted front fogs (on the list) and the next 3 mods are electronic boot release, low water warning and under boot/bonnet lighting should these go on the list in case I get them fitted.

None of what I've done increases performance so do I have to mention what I regard as aesthetic, convenience or safety improvements?

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ChrisKnottIns

· #2 · 8 d ago

deepfat said:
I originally posted this on the F/TF forum, sorry people I thought I knew all the side streets/forums on here but obviously not!

Renewal time, does anybody on here work in the insurance world and can define a "mod"
I regard my car as basically standard but with lots of "mods" such as not the original wheels (but std on other TF's), coloured interior lighting, brake servo stiffener, DAB radio etc and the list goes on and on. I'm pretty sure the broker/insurance co will not even bother to read it unless a claim is forthcoming. But then fan and sh*t come into play and how would I stand legally?

I'm reaching the point where the list is so long that if I put everything on it (and remember them all) I fear that the sheer length may make them think it's substantially modified, I forgot the bloody non std wheel nuts last year so have I been driving uninsured. I've just fitted front fogs (on the list) and the next 3 mods are electronic boot release, low water warning and under boot/bonnet lighting should these go on the list in case I get them fitted.

None of what I've done increases performance so do I have to mention what I regard as aesthetic, convenience or safety improvements?

Hi,

Anything that has changed since the car came out of the factory could be classed as a modification, depending on the insurer you are with.

As a broker, we would rather have too much information than not enough and we're always happy to advise our customers by looking at their own unique circumstances.

There are some grey area items but your broker/insurer should be able to sift those out if necessary.

The bottom line would be, declare everything so there are is no question of non-disclosure.

Aside from the mods question, if you're not already insured with us, and your renewal is due, feel free to call one of team for advise, and hopefully, a reduction in your premium.

0800 917 2274

Regards

Simon

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deepfat

Discussion Starter · #3 · 8 d ago

Simon
I have just renewed with them as time was getting tight, they had recommended I change companies due to a steep increase over last year and with an agreed value involved it can get tricky. I gave them much more than they asked for, a doc listing every single minor mod I've done, more photos than they asked for, previous valuations, the cars birth cert/build details from the MGOC and the very recent MOT with no advisories. They complained that they didn't need all that, my response was do what you like with it but I have a saved email that contains all the info I passed on just in case.
I do not regard it as all about the money, it's about the cover, answering the phone promptly or offering a message/call back service, for all of that I will pay a bit more. Contact me in early May next year because I think I should change, my email is [email protected] if needed.

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ChrisKnottIns

· #4 · 8 d ago

Hi,

I think you did the write thing. We often get lots of information that we don't want/need, but the customer wouldn't know that. We just sift out what is required.

I'll keep a note of your details and we'll contact you next year.

Simon

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