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Korsa

posted on 7th Jul 04 at 13:24

my liv vic insurance is like for like.... i smash up a after market bumper they replace it with the same one... they've told me to keep photo's of the car just in case....

iv'e also been with tesco's and they dont like mods @ all wanted and extra £200 a year for my 17" alloys...

never had to claim with liv vic fingers crossed...


Go3asy

posted on 7th Jul 04 at 13:20

quote:
Originally posted by vibrio
main user of the car could be defined as the person that uses the car th most or does the most miles etc


doesnt really matter, point is how the hell are they supposed to know who drives the car most ? they cant even check how much milage the cars done ect to even see if its been drove regularly


vibrio

posted on 7th Jul 04 at 13:18

quote:
Originally posted by Go3asy
so what engine mods do increase the cc anyway? i have piperx filter and my exhaust system which i know is ok, duno what else i could do



stroker kit


Go3asy

posted on 7th Jul 04 at 13:18

so what engine mods do increase the cc anyway? i have piperx filter and my exhaust system which i know is ok, duno what else i could do


Go3asy

posted on 7th Jul 04 at 13:17

im with them under mums name, 300 quids fully comp, 1st year driving, 1.2 8v, all mods, wheels, and i can basically do any mods i want to the car , u dont actually need to declare the stuff either as they dont care if u mod it, and dont actually pay out for the mods, so its good, as if i damaged anything i wouldnt be claiming anyway because then my insurance would be sky high for years, so why insure mods u wont want paid out on ? :D as vibro says ,. most companys would do that a nyways. put back on std bumpers ect which i have anyway, only diff is i have post 97 or pre 97 car , they will replace my wheels with other alloys butt hey wont be 17" they will be std vaux 1s ....


vibrio

posted on 7th Jul 04 at 13:10

most insurance companys will only pay out for stadnard items. eg if jag corsa hits a car head on and fucks up the front they will put on a standard bumper.


Joff

posted on 7th Jul 04 at 13:05

quote:
Originally posted by Kris TD
quote:
Originally posted by Joff
Has anyone with a heavily modified car, insured through Tesco, ever had to make a claim?

tescos refused to even cover my car as i had changed too much, onyl companies that would insure me were LV and HIC and thast at 21 with a grp 5 car and 1 years NCD


But still, getting a cheap premium isn't very good if the cover or service provided is crap.
I can't believe Tesco will happily pay out in the event of a claim for all the modified cars currently insured through them.


Kris TD

posted on 7th Jul 04 at 12:55

quote:
Originally posted by Joff
Has anyone with a heavily modified car, insured through Tesco, ever had to make a claim?

tescos refused to even cover my car as i had changed too much, onyl companies that would insure me were LV and HIC and thast at 21 with a grp 5 car and 1 years NCD


Kris TD

posted on 7th Jul 04 at 12:52

quote:
Originally posted by Makarus
I am with LV, I have been told all you have been told, only difference is they will change my parts like for like.


ditto, i also have a statement of facts from them which has ever single one of my modifications listed on it. i need to provide receipts and photos in event of a claim.


Ian

posted on 7th Jul 04 at 12:50

Its not LVs place to make policy - they're only selling an underwriters product. What you hear will vary wildly depending on who is actually providing the insurance, not just supplying it.


Joff

posted on 7th Jul 04 at 12:32

Has anyone with a heavily modified car, insured through Tesco, ever had to make a claim?


nik

posted on 7th Jul 04 at 12:17

are tescos ok with mods? im currently with them but worried about asking for a price on engine mods (know they will rape me!)


AdiSRI

posted on 7th Jul 04 at 12:16

Paul, mine is only £800 full comp on 1.4 16v with coilovers braks bodykit etc...
And i had a crash last year so 0 NCB, at 21.


PaulW

posted on 7th Jul 04 at 12:03

they were being right bitchy with me when I went to get a policy... lowered 60mm on coilovers, v6 brakes, alloys. No other cosmetic or performance mods.

Said they needed to discuss it with the underwriters & get back to me...

21 with 2yr NCB - they said £1450 FC on a 1.4 8v :mad:

Got it through Tesco for £780 inc mods!


Dan B

posted on 7th Jul 04 at 12:01

I'm with LV, and had them check with a supervisor, and had it confirmed that:

a) they replace like-for-like up to the market-value of the car
b) they WILL cover engine-transplants


AdiSRI

posted on 7th Jul 04 at 11:32

Same here, they repair to modded on my policy


Makarus

posted on 7th Jul 04 at 11:27

I am with LV, I have been told all you have been told, only difference is they will change my parts like for like.


koolkorsa

posted on 7th Jul 04 at 11:18

the point is your lying and breaking terms and conditions if you are not the main driver of the car. Just like breaking any other contract it could become null and void. But chances are they will never find out that your dad never drives the car.


vibrio

posted on 7th Jul 04 at 11:11

main user of the car could be defined as the person that uses the car th most or does the most miles etc


nik

posted on 7th Jul 04 at 11:11

Might try them when my policys up, can get my new turbo, cams, injectors etc then :lol:


M2RTY

posted on 7th Jul 04 at 11:10

thay can "stress" what they want but if its not written in the terms and conditions there is nothing they can do about it


Gregor

posted on 7th Jul 04 at 11:07

I've just phoned liverpool victoria , to find out exactly what they will and will not insure on your car , so heres the deal .

They will not increase the premium for any body mods , however they will , in the event of a claim , only replace parts to standard .

Engine mods are allowed , but only if they do not change the actual "cc" of the engine , so an exhaust and airfilter , for example is allowed , but engine swap wont be .

Also , if your going to go on your dads name , they "stress" that you can only use the car two or three times a week .

Ive seen a lot of people asking these questions , so hopefully this can answer them , because I got quote of £600 under my dads name with Direct Line , and a quote of £300 with Liverpool Victoria , so I see them as being pretty good :)

Gregor