Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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Endsleigh are rubbish full stop.
aimed at students when it comes to home contents insurance (halls) but refused at the door for car insurance. my firsy yr was with them as i got a discount at the time under cutting everyone else by £100 (forget how i got the discount now!)
the quote of £600 (Fuly comp) was extremely fair at the time, and 6months into the policy when i had a total loss at fault accident they were great. everyone warned me about Insurance companys refusing to pay up and it taking forever. but with 5weeks i had the cheque in my hand, additional costs in the post and my replacement car insured without too much difficulty.
when my renewal came up "we are pleased to offer you a competitive price of £900! that was £200 MORE than other insurance companies.
they have their moments but i wont be rushing back to them
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JM_16v
Member
Registered: 17th Oct 05
Location: Essex Drives: GLC63S
User status: Offline
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lower it it 40mm theyll never notice but i do have 60mm front springs and shocks in the garage
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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quote:
Originally posted by jacko198 Couldnt you just do it anyway? And dont crash! 
It was supposed to be a renewal from 850 quid
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Dave-Creations
Member
Registered: 28th Dec 06
Location: IRELAND
User status: Offline
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effectively lowering the car is making your car safer, thats what i told quinn direct and they still wanted 500euro from me! i just hung up.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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Just stop being a girl and lower it anyway?
I have no mods declared at all 
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by AndyCorsaSport
Just stop being a girl and lower it anyway?
I have no mods declared at all
You may as well not pay your premium then every year.
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CorsaSi Jay
Member
Registered: 19th Jun 07
Location: Watnall, Nottinghamshire
User status: Offline
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Had exactly the same. Added £40 for my angel eyes but nothing for my Alloys wheels or back box.
However, they wouldnt insure a bodykit what-so-ever AND they tried upping my premiums by ove £1000!!! for removing my rear seats.
Absolute joke. That was Endsleigh too!
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by deano87
quote:
Originally posted by AndyCorsaSport
Just stop being a girl and lower it anyway?
I have no mods declared at all
You may as well not pay your premium then every year.
Why not?
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by deano87
quote:
Originally posted by AndyCorsaSport
Just stop being a girl and lower it anyway?
I have no mods declared at all
You may as well not pay your premium then every year.
Why not?
Read your small print. It'll probably say the vehicle must be as it was when it left the factory etc etc. Basically, your insurance is null and void without declaring mods.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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I work at a repair garage anyway so if needs be it can all come off and go back to standard. Apart from the engine.
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sam-smith
Member
Registered: 8th Jan 07
Location: plymouth, UK
User status: Offline
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i think its funny you all get in a flap about telling the insurance. if i crash ill take it off no problem there.
failing that i wont get my money back for mods. my fauly anyway
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by sam-smith
i think its funny you all get in a flap about telling the insurance. if i crash ill take it off no problem there.
failing that i wont get my money back for mods. my fauly anyway
Agreed! Might not be about getting money back sometimes though, insurance can sometimes refuse to pay out at all
But dont see why people insure a set of springs, id rather save the money and take them off if needed.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by sam-smith
i think its funny you all get in a flap about telling the insurance. if i crash ill take it off no problem there.
failing that i wont get my money back for mods. my fauly anyway
You say that, but this was the time scale of my crash in February.
8:30am, crash.
8:45am, phoned insurance company as my radiator had blown so the car wasn't drivable. AA wouldn't recover because I'd been in a crash.
10am, recovery truck is there.
10:30am, arrival at crash repair centre.
10:45am, I'm driving away in a courtesy car.
When the hell would I be able to remove my lowering springs? Especially as I couldn't do it myself.
[Edited on 10-10-2007 by deano87]
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sam-smith
Member
Registered: 8th Jan 07
Location: plymouth, UK
User status: Offline
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for me it would be
8:30am, crash.
8:45am, phoned insurance company as my radiator had blown so the car wasn't drivable. ring best mate who is recovery driver.
9am, recovery truck is there.
10:30am, taking parts off.
10:45am, borrow a car til insurace is sorted
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by sam-smith
for me it would be
8:30am, crash.
8:45am, phoned insurance company as my radiator had blown so the car wasn't drivable. ring best mate who is recovery driver.
9am, recovery truck is there.
10:30am, taking parts off.
10:45am, borrow a car til insurace is sorted
That's your world where you have mates in the automotive industry.
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sam-smith
Member
Registered: 8th Jan 07
Location: plymouth, UK
User status: Offline
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could be the same with anybody just tow the car.
im not arguing im just saying why spend all that extra money.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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40mm 4cm, not many people who dont know about modifications would know its lowered, especially on 13's.
Estimator at my work was going to void a claim on an Astra he thought had been lowered, turned out had a boot full of breezeblocks. Estimators at my work know fuck all. We get plenty of cars in to repair with mods. Still get repaired. How much extra was it for your Depos and badgeless grille?
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by AndyCorsaSport
How much extra was it for your Depos and badgeless grille?
Nothing. I haven't declared them. 1) it wasn't on the modification list on the net 2) I hadn't declared them on my last policy with Zurich (who the Endsleigh one is underwritten by). When I had a crash, they didn't even query it, just replaced them with a Vauxh V-grill and standard lights.
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