direct line don't insure mod'd car's
direct line don't insure mod'd car's
01-04-2017, 01:56 AM
toxo Admiral will insure mods but they don't insure like for like, so when someone nicks your mods or you crash and break them, they will put standard manufacturer parts back on. Standard parts from Lexus/Toyota are really expensive which makes it way more likely your car would be an economical writeoff in the event of a claim.
That's an interesting perspective that I'd never thought of. Obviously if you have susbstantial modifications you need to make sure they're all covered but as far as just an induction kit is concerned it's not really a big deal.
And I think it's not just admiral, none of the big name insurers will actually cover mods, they just allow you to have them.
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
toxo Admiral will insure mods but they don't insure like for like, so when someone nicks your mods or you crash and break them, they will put standard manufacturer parts back on. Standard parts from Lexus/Toyota are really expensive which makes it way more likely your car would be an economical writeoff in the event of a claim.
That's an interesting perspective that I'd never thought of. Obviously if you have susbstantial modifications you need to make sure they're all covered but as far as just an induction kit is concerned it's not really a big deal.
And I think it's not just admiral, none of the big name insurers will actually cover mods, they just allow you to have them.
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
01-04-2017, 02:09 AM
parthiban That's an interesting perspective that I'd never thought of. Obviously if you have susbstantial modifications you need to make sure they're all covered but as far as just an induction kit is concerned it's not really a big deal.
Yes, exactly. You're unlikely to bend an induction kit in an accident where you'd still want to keep the car afterwards. And lets remember that there is a difference between declared and covered. All mods should always be declared but you don't need me to tell you that
parthiban And I think it's not just admiral, none of the big name insurers will actually cover mods, they just allow you to have them.
Well, that's clearly not the case as I'm insured with Lloyds/Chaucer who are a massive underwriter! Underwriters are a bit like internet service providers - there are loads of resellers, so seemingly loads of insurance companies, but when you dig a little deeper there are only a handful of underwriters and all your insurance company is doing is reselling their services and taking a cut. If you're lucky then your insurance company is a broker with multiple underwriters and will do their best to find the insurance that is most suited to your application (c.f. not always the cheapest! you get what you pay for) but most only deal with one underwriter.
However most familiar names won't because it's simply too much hassle - 99% of their customers won't have modified cars so they don't really lose out by not insuring the other 1% for their extra trouble.
Edited 13-05-2010, 11:58 AM by toxo.
parthiban That's an interesting perspective that I'd never thought of. Obviously if you have susbstantial modifications you need to make sure they're all covered but as far as just an induction kit is concerned it's not really a big deal.
Yes, exactly. You're unlikely to bend an induction kit in an accident where you'd still want to keep the car afterwards. And lets remember that there is a difference between declared and covered. All mods should always be declared but you don't need me to tell you that
parthiban And I think it's not just admiral, none of the big name insurers will actually cover mods, they just allow you to have them.
Well, that's clearly not the case as I'm insured with Lloyds/Chaucer who are a massive underwriter! Underwriters are a bit like internet service providers - there are loads of resellers, so seemingly loads of insurance companies, but when you dig a little deeper there are only a handful of underwriters and all your insurance company is doing is reselling their services and taking a cut. If you're lucky then your insurance company is a broker with multiple underwriters and will do their best to find the insurance that is most suited to your application (c.f. not always the cheapest! you get what you pay for) but most only deal with one underwriter.
However most familiar names won't because it's simply too much hassle - 99% of their customers won't have modified cars so they don't really lose out by not insuring the other 1% for their extra trouble.
01-04-2017, 02:22 AM
![[Image: Sig-enginebay.jpg]](http://i5.photobucket.com/albums/y179/SteveHammatt/Sig-enginebay.jpg)
IS200 Turbo project now just about complete ! See my thread here and leave your comments.
Now running standalone Syvecs ECU and no stock ECU !
steviewevie
01-04-2017, 02:22 AM #13Agreed with the issue of what sort of mods you have. For example, the cost of replacing a K&N filter isn't worth worrying about specifically. But if you have a supercharger, it might be a different story !
IS200 Turbo project now just about complete ! See my thread here and leave your comments.
Now running standalone Syvecs ECU and no stock ECU !
01-04-2017, 02:27 AM
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
FirebirdPhil
01-04-2017, 02:27 AM #14The NFU allow re-usable filters and uprated suspension.
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
01-04-2017, 03:05 AM
toxo Well, that's clearly not the case as I'm insured with Lloyds/Chaucer who are a massive underwriter! Underwriters are a bit like internet service providers - there are loads of resellers, so seemingly loads of insurance companies, but when you dig a little deeper there are only a handful of underwriters and all your insurance company is doing is reselling their services and taking a cut. If you're lucky then your insurance company is a broker with multiple underwriters and will do their best to find the insurance that is most suited to your application (c.f. not always the cheapest! you get what you pay for) but most only deal with one underwriter.
However most familiar names won't because it's simply too much hassle - 99% of their customers won't have modified cars so they don't really lose out by not insuring the other 1% for their extra trouble.
Yep you're absolutely right, I didn't mean underwriters but rather the big name brokers like Admiral, Directline, etc.......none of these will insure mods on a replacement basis.
But there really is no reason for them to do this as you say, in some cases it may work out cheaper for them - guess it must just be to avoid the hassle.
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
toxo Well, that's clearly not the case as I'm insured with Lloyds/Chaucer who are a massive underwriter! Underwriters are a bit like internet service providers - there are loads of resellers, so seemingly loads of insurance companies, but when you dig a little deeper there are only a handful of underwriters and all your insurance company is doing is reselling their services and taking a cut. If you're lucky then your insurance company is a broker with multiple underwriters and will do their best to find the insurance that is most suited to your application (c.f. not always the cheapest! you get what you pay for) but most only deal with one underwriter.
However most familiar names won't because it's simply too much hassle - 99% of their customers won't have modified cars so they don't really lose out by not insuring the other 1% for their extra trouble.
Yep you're absolutely right, I didn't mean underwriters but rather the big name brokers like Admiral, Directline, etc.......none of these will insure mods on a replacement basis.
But there really is no reason for them to do this as you say, in some cases it may work out cheaper for them - guess it must just be to avoid the hassle.
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
![[Image: 25042008020-1.jpg]](http://i606.photobucket.com/albums/tt150/bigcamy2002uk/25042008020-1.jpg)
01-04-2017, 05:55 AM
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
Never heard of NFU until this thread, might give them a go for my renewal if they're good as well as cheap
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
07-04-2017, 01:10 AM
IS 200 Sport with a few mods, Standardish IS-F. The IS250 SE-L with a few mods has gone to a new home.[SIGPIC][/SIGPIC]
Chaucer cancelled my insurance when they noticed I had improved the braking on the IS250 by fitting IS350 calipers and discs. Got a full refund from my broker as I had declared all mods on the original proposal, so got a couple of months insurance for free:biggrin:
IS 200 Sport with a few mods, Standardish IS-F. The IS250 SE-L with a few mods has gone to a new home.[SIGPIC][/SIGPIC]
07-04-2017, 02:11 AM
cameron got a letter through the post for aviva. gave them a go came up with £312 that will do thank you.
NFU - National Farmers Union, also open to non members, and non farmers. The reason re-usable filters are allowed is farmers cars spend all their lives on dust tracks therefore it makes sense to allow them to have re-usable filters!! Same with suspension, although our idea of uprated is different to theirs but all the same to their underwriter :laugh:
I used them for my Scooby Legacy when I parked it on a farm most of the time and the farmer told me about the NFU.
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
FirebirdPhil
07-04-2017, 02:11 AM #20cameron got a letter through the post for aviva. gave them a go came up with £312 that will do thank you.
NFU - National Farmers Union, also open to non members, and non farmers. The reason re-usable filters are allowed is farmers cars spend all their lives on dust tracks therefore it makes sense to allow them to have re-usable filters!! Same with suspension, although our idea of uprated is different to theirs but all the same to their underwriter :laugh:
I used them for my Scooby Legacy when I parked it on a farm most of the time and the farmer told me about the NFU.
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
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