AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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Just spoke to them about some modifications, ive done to my new car, and they said that i dont have to declare modifications!!!!
so i said what if i put a full kit on, wheels, you know the full works, and they said u dont have to tell us, its all covered, even if u modify the engine...
and also they dont load for having penalty points....
how good or mad is that?
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and-m
Member
Registered: 5th May 02
Location: Liverpool. Drives. Skud vRS.
User status: Offline
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Yes but if your car goes missing youll get book value back.
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Patrick
Member
Registered: 25th Apr 02
Location: SE London
User status: Offline
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Bullshit. 
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Patrick
Member
Registered: 25th Apr 02
Location: SE London
User status: Offline
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ps, anyone who risks doing that deserves to loose everything should they have to make a claim.
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Cybermonkey
Member
Registered: 22nd Sep 02
Location: Sydney, Australia
User status: Offline
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not bullshit at all patrick. I asked them the same question a while ago about modifications and they said the same thing to me. The only bullshit around here is the stuff pouring from your mouth about some £20k endowment plan in 2005.
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Patrick
Member
Registered: 25th Apr 02
Location: SE London
User status: Offline
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AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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yeah!!.. dint know that. still though pretty decent insurance company ...
the only bad thing is that excess is £400
im 20, ive got 6 points, and 1 claim against me, so i cant grumble, oh and ive got a new astra 1.6 sxi and my insurance is £1200
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Wolf In Welsh Clothing
Member
Registered: 31st Mar 03
Location: North Wales...... Cooper S on order
User status: Offline
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Well 8 months ago i had to change from liverpool victoria (frizzell) because they wouldn't allow a 30% power increase.
Was also paying extra for wheels, suspension and induction kit.
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AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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yeah but you come from wales - so u dont count )
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AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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only kidding....
there policy may have just recently changed- i dunno??
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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sooooooooooooooo
when ure car gets knicked wheres the proof of the 10k u had in it
if i was u, id ask for it in writting and get a full assessment done
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Wolf In Welsh Clothing
Member
Registered: 31st Mar 03
Location: North Wales...... Cooper S on order
User status: Offline
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Id ring again and check with another phone operator.
I know they never used to charge for engine upgrades but do now.
If it is true make sure the modifications section says some thing like "ANY".
Cos if its blank and you claim then they'll deny the phone call ever happened!
[Edited on 08-08-2003 by Wolf In Welsh Clothing]
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AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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she said as long as youve got all receipts or some proof, its okay! so ill just have to take pics aswell, but yeah getting it in writing and a full assessment done is a good idea, so if a claim was to be made, alot of hassle will be saved....
i was with N union b4 and i wrote my corsa off, which was modded to the max, and N union refused to pay out - so i went to the ombudsman, and they investigated it, and after 8 months they got n union to pay out, the only reason being the ombudsman said n union wasnt clear enough on asking me about modifications, when they said have u any mods, i said yes a body kit, and that was it, she were meant to expand on that, e.g sopoiler, wheels etc....
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Wolf In Welsh Clothing
Member
Registered: 31st Mar 03
Location: North Wales...... Cooper S on order
User status: Offline
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quote:
Originally posted by AaronD
yeah but you come from wales - so u dont count)
Got refused insurance once cos one company wouldn't cover any cars in wales!
Thought they were taking the mick at first but they wont quote wales, n.ireland and a few other selected places.
They must of had a few claims of people crashing into sheep or something!!!!!!!!!!!
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AaronD
Member
Registered: 9th Aug 01
Location: HALIFAX
User status: Offline
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haha.... ya nutter!!)
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Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
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quote:
Originally posted by Wolf In Welsh Clothing
quote:
Originally posted by AaronD
yeah but you come from wales - so u dont count)
Got refused insurance once cos one company wouldn't cover any cars in wales!
Thought they were taking the mick at first but they wont quote wales, n.ireland and a few other selected places.
They must of had a few claims of people crashing into sheep or something!!!!!!!!!!!
this happened to my mate in his Evo6 last summer, he hit a sheep at 120mph, the sheep exploded into bits, as did the front of his car!
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Red_SXi
Member
Registered: 23rd Sep 02
Location: Dunstable Drives: 52 Plate BMW 3 M Sport Coupe
User status: Offline
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I'm strongly considering going to LV when i renew my policy in a few months.
The quotes i've been getting on their websites are mad, £3000 for me on my Dad's name on a Porsche Boxster (grp 18) nowhere else that i know of would insure me at all. They also quoted something like £1300 for me on a parents name on a BMW Z3.
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pug306boy
Member
Registered: 6th Mar 03
Location: manchester, drives a carzone kitted 306 Hdi 2.0
User status: Offline
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ive got insurance with liverpool victoria and they told me there would be no extra charge for kit etc but when i rang em up to let them know about my kit the guy started telling me that my premium WOULD go up i was pretty pissed off but went ahead with it anyway as my initial premium was quite good.
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Kris TD
Member
Registered: 25th Mar 02
Location: Ware, Hertfordshire
User status: Offline
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quote:
Originally posted by M2RV H
sooooooooooooooo
when ure car gets knicked wheres the proof of the 10k u had in it
if i was u, id ask for it in writting and get a full assessment done
told me aslong as i have proof, ie photos or receipts then its covered.
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Kris TD
Member
Registered: 25th Mar 02
Location: Ware, Hertfordshire
User status: Offline
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to be honest though i probably wouldnt claim for my car anyway, i would just strip it
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GT4Brody
Member
Registered: 26th Sep 01
Location: south
User status: Offline
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To be fair, how often do cars really get nicked? I mean if you have a decent modified car, the first mod you should do imo should be a cat 1 and perhaps more secutity mods. I mean if your car gets broken in to you prob wouldnt claim n e way cos you would lose ncb etc.
So reall y i think it is great if they dont charge you extra for mods, cos unless your car gets written off big time, you are unlikely to ever claim for em anyway?
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mike16v
Member
Registered: 20th May 02
Location: sheffield, yorkshire
User status: Offline
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so whats the crack with engine coversiions at LV now?? a few weeks back they told me they cant cover a 2ltr as vaux didnt make 1 standard
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