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Author Liv Vic - This could be useful.
Gregor
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Registered: 28th Nov 03
Location: Paisley, Renfrewshire
User status: Offline
7th Jul 04 at 11:07   View User's Profile U2U Member Reply With Quote

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
M2RTY
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Registered: 25th May 01
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7th Jul 04 at 11:10   View User's Profile U2U Member Reply With Quote

thay can "stress" what they want but if its not written in the terms and conditions there is nothing they can do about it
nik
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Registered: 19th Jun 00
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7th Jul 04 at 11:11   View User's Profile U2U Member Reply With Quote

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

Registered: 28th Feb 01
Location: POAH
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7th Jul 04 at 11:11   View User's Profile U2U Member Reply With Quote

main user of the car could be defined as the person that uses the car th most or does the most miles etc
koolkorsa
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Registered: 15th Jun 03
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7th Jul 04 at 11:18   View User's Profile U2U Member Reply With Quote

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.
Makarus
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Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
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7th Jul 04 at 11:27   View User's Profile U2U Member Reply With Quote

I am with LV, I have been told all you have been told, only difference is they will change my parts like for like.
AdiSRI
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Registered: 1st May 02
Location: Berkshire
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7th Jul 04 at 11:32   View User's Profile U2U Member Reply With Quote

Same here, they repair to modded on my policy
Dan B
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Registered: 25th Feb 01
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7th Jul 04 at 12:01   View User's Profile U2U Member Reply With Quote

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
PaulW
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Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
7th Jul 04 at 12:03   View User's Profile U2U Member Reply With Quote

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

Got it through Tesco for 780 inc mods!
AdiSRI
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Registered: 1st May 02
Location: Berkshire
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7th Jul 04 at 12:16   View User's Profile U2U Member Reply With Quote

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.
nik
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Registered: 19th Jun 00
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7th Jul 04 at 12:17   View User's Profile U2U Member Reply With Quote

are tescos ok with mods? im currently with them but worried about asking for a price on engine mods (know they will rape me!)
Joff
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Registered: 17th Oct 00
Location: Cambridgeshire
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7th Jul 04 at 12:32   View User's Profile U2U Member Reply With Quote

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

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Registered: 28th Aug 99
Location: Liverpool
User status: Online
7th Jul 04 at 12:50   View Garage View User's Profile U2U Member Reply With Quote

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.
Kris TD
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Registered: 25th Mar 02
Location: Ware, Hertfordshire
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7th Jul 04 at 12:52   View User's Profile U2U Member Reply With Quote

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.
Kris TD
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Registered: 25th Mar 02
Location: Ware, Hertfordshire
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7th Jul 04 at 12:55   View User's Profile U2U Member Reply With Quote

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
Joff
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Registered: 17th Oct 00
Location: Cambridgeshire
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7th Jul 04 at 13:05   View User's Profile U2U Member Reply With Quote

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.
vibrio
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Registered: 28th Feb 01
Location: POAH
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7th Jul 04 at 13:10   View User's Profile U2U Member Reply With Quote

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.
Go3asy
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Registered: 11th Jan 04
Location: Scotland,Alloa(Stirlingshire)
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7th Jul 04 at 13:17   View User's Profile U2U Member Reply With Quote

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 ? 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 ....
Go3asy
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Registered: 11th Jan 04
Location: Scotland,Alloa(Stirlingshire)
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7th Jul 04 at 13:18   View User's Profile U2U Member Reply With Quote

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
vibrio
Banned

Registered: 28th Feb 01
Location: POAH
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7th Jul 04 at 13:18   View User's Profile U2U Member Reply With Quote

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
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Registered: 11th Jan 04
Location: Scotland,Alloa(Stirlingshire)
User status: Offline
7th Jul 04 at 13:20   View User's Profile U2U Member Reply With Quote

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
Korsa
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Registered: 25th Jan 03
Location: Cardiff S.Wales Drives :Blue/Purple Corsa
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7th Jul 04 at 13:24   View User's Profile U2U Member Reply With Quote

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...

 
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