Insurance and modifications

[Jimbo]

Just swapped the 110 insurance from Greenlight to Adrian Flux (cos Greenlight have stopped doing 4x4's), and I need to complete a 'modifications' form. Should I list everything that is non-standard, so winch, bumper, MT's NAS lamps, rear work lights, diesel heater, steroe, furry dice, rubber duck etc, or just the obvious bits like the winch/bumper and sliders ?

The (very helpful) lady at Flux said that they should be made aware of everything that is not-as-the-factory intended - but AFAIK mine came from LR with modulars and MT's, so is that a mod or standard ?

I'm confuddled a bit.

Jim

[v8kenny]

If in doubt list everything
Insurance companies only need the slightest excuse to stop paying out in the event of a claim
I sincerely doubt that it would have left the factory with modular wheels on it as they are not standard issue
The mods you have mentioned should not have any impact on your premium in any case - if they do shop around for cover
With NFU my last 110 with pto driven winch/bumper, 2" lift, A bar and spots, lpg conversion, modular wheels with 255/85 r16 muds etc,etc incurred no extra charge, the mods were simply noted on the policy to satisfy the underwriters

[glaggs]

I listed everything and got the insurance cheaper than it had been for a std vehicle. Best to list every thing so that if you ever have to claime there are no nasty suprises.

[hairyasswelder]

Tell them everything, if they have all the facts they can decide whether it is important or not. If you dont tell them and it is important they can refuse to pay out  

I just insured mine through Roadsure cheaper than last year  :shock:  :D

Steve

[lambert]

Depends on the insurer. Mine are cool but most of the mods are more up spec in the range rather than non manufacturer ones. Ie mine was a bog spec one to start with and the mods i've done were mostly available on higher spec cars in the range.

[BigSi]

I agree, list everything that is non-standard, even extra spots on a roof rack. I don’t think it really matters if there are 10 or 30 mod’s as long as everything is listed. If you have a winch, then they do need a letter stating that it is for self recovery only (not sure why?).

Also when filling out the Mod's list, just make a copy before you send it off for your own reference. They rang me back stating that I had forgotten to include a front splitter and a bonnet scoop……….don’t ask me where they came from!!!  :shock:  :shock:  :shock:  :shock:

[JumboBeef]

Flux were only interested in the winch, nothing else (and we pay £93 pa fully comp).

[wrecker]

:shock:  :shock:  :shock:  :shock: £93,

well hows this for ya,

im 21,drive a vitara,all mods listed,park on drive,fully comp as i carnt get tpft,

I PAY £2458.64 A YEAR,O AND 3 YEARS NO CLAMS      

still its worth it cos i love it 8)  8)  8)  8)

[thermidorthelobster]

Sheesh, it's a total rip-off, isn't it.

CIS don't care about anything apart from the chip.  But they still like me to keep them informed... and more to the point, I like to have it in writing that I HAVE kept them informed, because I don't want to give them any excuse not to pay out if I have to claim  :twisted:

[TDi90]

im with you wrecker. im 19 1 just under 2 years NCB park on a drive with a gate, away from a town, i have to pay 986.45 per year on my 90.
NFU mate, they will do you wonders, they realise there is a need for 4x4's trust me!
Rob

[karlo]

im with you wrecker. im 19 1 just under 2 years NCB park on a drive with a gate, away from a town, i have to pay 986.45 per year on my 90.
NFU mate, they will do you wonders, they realise there is a need for 4x4's trust me!
Rob

Yep NFU for me too, Very polite and not bothered about mods.

[Paul]

Just swapped the 110 insurance from Greenlight to Adrian Flux (cos Greenlight have stopped doing 4x4's)

Yes I got a letter last week from Greenlight to say they are no longer going to insure my Bobtail  :shock:

I've been ringing round and so far Adrian Flux have come up with the best price... That's with all modifications listed.

[Lee_D]

I tend to flirt between Sureterm (death by paperwork) or Adrian Flux

Both have insured my trucks very cheaply

Declared all the mods on my IIa with 3 speed Auto and 4.2 Jag engine, stage 1 axles amongst other tricks , came out very well priced indeed.

Lee

[L90OOK]

I'm with the NFU.
With all the mods on my 110 my insurance is £208 fully comp (protected NCB) for any driver over 25yrs old  :D

[Lincs niva]

Sureterm here they seem to be happy about and mod's that you do.As long as you inform them of course :D

Cheers Gav

[Porny]

I sincerely doubt that it would have left the factory with modular wheels on it as they are not standard issue

Jimbo hasn't pointed out that his 110 -  before it left the factory -had a spell at Special Vehicle Opps  

A lot of utility companies specify MT's, and usually 265x75x16's... which are too wide for any LR steel wheel (that is suitable for a 110) hence why they are fitted with modulars.


Ian

[Jimbo]

Jimbo hasn't pointed out that his 110 -  before it left the factory -had a spell at Special Vehicle Opps  


Ian

Ah yes, did forget to mention that bit  :roll: , not a lot left of the SVO mods now - all the rattling bits have gone (side shutters etc), just the toys left  8)

[landy4x4xfar]

flux wanted over 700 quid to insure mine so got a quote from the post office of all places and they only asked £350 with all the mods (factory fitted) and a SV to boot don't go with the crowd shop around first it pays to be 100% with the listing and they are very good to talk to  8)  8)  8)  8)  8)  8)  8)

[adafish]

well mine is 110 DC, it never left the factory like that back in 1984,,was once a CSW V8.......So the bloke i brought it off, cut the body down into a DC, added a 300tdi, td5 front end and discs alround...After playing with it these last few months, what with lift kit, winch bumpers big tres and suspension..decide to let me insurance peeps know.Well the company i was with cornhill allianz did'nt cover lift kits..so my policy was camcelled with them and a new one sorted.....I'm now saving just under £50 more a year..paying £241 fully comp with named driver and SP30....

[Bob696]

Flux going with equity wanted £960 from me. I went with Lancaster, also using equity, and got better cover for just under £300 !  Go figure.