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Insurance Tips.

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#16 Motocrossmad

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Posted 09 September 2012 - 12:11 AM

For a modified policy try Brentacare. They are AMAZING for modified policies. im 24, 3 points and a claim. under £700 for my 2011 zetec s, stripped out, 2 buckets, induction kit, lowered, mountune spoiler extentions and every other kmod included :)


My question is "the ring" what is the deal with insurance? i have been reading up on this. alot of insurance companies excluded this from there policy but how can this be legal? the "ring" on a non track day is just a paid toll road, parts of it have speed limits and all accidents are treated as if they were on ever other road in germany. It is not a race track unless on certain days.

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#17 Marcr1

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Posted 09 September 2012 - 12:11 AM

I'd have bought a zetec S and bought myself a top of the range iMac or something but I take my hat off to you.

What is it you do?

#18 Mathrin

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Posted 09 September 2012 - 08:58 AM

My question is "the ring" what is the deal with insurance? i have been reading up on this. alot of insurance companies excluded this from there policy but how can this be legal? the "ring" on a non track day is just a paid toll road, parts of it have speed limits and all accidents are treated as if they were on ever other road in germany. It is not a race track unless on certain days.


Do you mean Nurburgring? I can only speculate on that one, as I'm not a foreign handler. I would hazard a guess it would be down to the nature of the road itself. It might have speed limits but you can bet your !Removed! people are going to try and take racing lines, especially people from the UK going over.

#19 sambooka

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Posted 09 September 2012 - 09:23 AM

Also insurers don't know that what type of driver you are just because you don't have points and previous crashes doesn't mean you're a good driver.

Age never helps and when you drive round in a 1.6 or higher under the age of 25 we're all painted with the same brush "a risk" in Moses case it's a limited edition car as well which makes it again a higher risk and in the case of an accident harder to repair.

Like its been previously said to modifications make a car more desirable to a thief or vandal, like the age old saying GTI - guaranteed theft item. Hence why insurance is always so high on them.

I've seen many cases where friends haven't had their modifications declared and insurers won't pay out, it's left them screwed.

If you were Mr Direct Line and jo blogs crashed his heavily modified undeclared car and you have to pay out 8000 you'd do anything to keep hold of your money, they'd just say that was the cause of the crash/theft etc.

I'm still shocked at a quote I had off of direct line for window tints. An extra 500 per year!!! And 250 more excess!! When I already pay 900 a year! They simply said you're too young and the car is already a high risk.

Admiral tend to be the most reasonable with mods

I'm with swift cover I'm 23 and have declared all my mods new alloys window tints cruise control even a different panel filter didn't make a blind bit of difference to premium of 590 I have a 1.6 tdci zetec s and have a claim against me

#20 Wayneo01

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Posted 09 September 2012 - 10:23 AM

I think i got shafted a little bit on my insurance, this is my first car 1.6 tdci im 22 but never really needed to drive just because how close my work is to me, now im paying around 4000 for the year for my insurance with an excess of 500, i should of really looked around abit more and atleast called some companies up but this was an inpulse buy with about 5 hours to get my insurance sorted.

#21 Mathrin

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Posted 09 September 2012 - 10:33 AM

If you don't mind me asking, who did you insure through?

I'm, 24, only passed my test in february, and my insurance is around £800 for a brand new 1.4 Zetec :/

#22 Wayneo01

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Posted 09 September 2012 - 10:48 AM

Went with LV, should of spent more time looking really, if i went with a 1.4 petrol it dropped to about 2000.

#23 Mathrin

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Posted 09 September 2012 - 11:53 AM

Hmm. They're not normally that bad... But everything comes into it... your occupation, your location, where it is stored etc. Still... 4000 is pretty much them saying "We'd rather not insure you"!

#24 tunne1rat

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Posted 09 September 2012 - 12:12 PM

Although my insurance company requires me to declare extra factory fitted options, I only found out by chance as they did not ask me outright. I was asked if the car was modified. A very misleading question.
It is also very unfair for the insurer to expect the buyer of a secondhand car to know if the car has factory fitted extras especially when manufacturers often add items to the standard spec during a cars production life.
If this info is so important to insurers then it should be their responsibility to check the manufacturers build records (such as Ford Etis) to check that they are charging correctly for the cover required, or these options need to be listed on a legal document such as the V5 and passed on to consecutive owners.
If my insurer wants to void my policy over undeclared factory extras, then I will see them in court.

#25 Wayneo01

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Posted 09 September 2012 - 12:15 PM

I did all the comparisons and no one was that good, my area is pretty rubbish tbh i live in manchester and in droylsden you know where all the grenade attacks and shootings are happening, so i can kind of understand it. Plus im paying monthly which makes it dearer aswell. But i have a good paying job so i just have to get the first year out of the way and see what it goes down to, i had a look and with 1 years no claims it drops to 2000 a year.

Edited by iNath, 09 September 2012 - 12:27 PM.
Removed swearing


#26 Mathrin

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Posted 09 September 2012 - 01:02 PM

If my insurer wants to void my policy over undeclared factory extras, then I will see them in court.


Policies are sold on the basis of disclosure. If you've not disclosed to your insurer any modifications you have made, you are committing fraud and deception. Insurers reserve the right to decline to deal with any and all claims in the even of non-disclosure.

In your case, you say they did not ask you outright, if the car was modified? There, you may have some ground, however insurers and brokers should have that as a standard question - as its a very very common problem.

If you've answered no to a modified car, and confirmed on the statement of truth, the insurer has every right to void from inception. It takes a lot though.

As for us checking against manufacturer standards... That's what already happens. you put the year, the model and the make, then you put any modifications you have added. Thus, you get your correct premium.

#27 MartynS

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Posted 09 September 2012 - 01:21 PM

But you also put the registration number and, as said above, that should be enough to find any factory fitted options surely? Like for example if you choose the 1.6 engine over the 1.4 in the titanium, that will be known to insurers and doesn't have to be declared as a factory option.

#28 b1g_dav3

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Posted 09 September 2012 - 01:22 PM

Non-Ford related here; my dad had someone cut across the front of his car scraping the bumper, so my dad pulled him over to ask his details of which he refused and as my dad took the registration, he set off and ran my dad down, injuring his foot and pushing him into the motorway. He claimed he didn't see my dad due to the rain (likely story) but accepted liability as he'd clearly done it; nearly 2 years on (maybe a week off 2 years) and still the case hasn't been resolved. Anything that can be done here really? We want to avoid going to a 'no win, no fee' thing, as some physiotherapy (very little) has been provided and there have been trips to private doctors over the injury, and we don't want to end up paying out for that but it's getting beyond a joke now.

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#29 DanGull

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Posted 09 September 2012 - 01:51 PM

There's an awful lot of moaning about insurance prices. I've said it before - while insurance is a legal requirement for drivers, it's not provided by charities, or the government or some bottomless pit of money that's quite happy to just give it away.

Insurance companies are businesses, and are run as such. They are insuring high value items - take a car at £15K brand new replacement value. It's not exactly a premium car, but it's a fact that on many policies if it's written off in year 1 then the insurance company will pay out £15K and only received a fraction of that as the premium.

Insurance is a risk-based business, and they are entitled to make money on the back of their risk.

And no, having no previous claims doesn't automatically make you a better driver, but it does make you less of a risk. Adding mods to your car firstly increases the cost of repairs etc as has already been said but it also immediately places you in a category of driver who statistically are more likely to have accidents than Miss Daisy who drives her Nissan Micra once every 6 months - so the cost does and should go up.

It's simple - if you aren't willing to pay the premium, get a different car or don't mod it. Mozes-cuz - the fact that you asked your insurance company about mods, then didn't declare them but still had them fitted it just asking for trouble. If you wrote your car off, your assessor will probably have that information and will check the car to see if they've been installed. Bingo - no insurance.

Lots of insurance companies are good samaritans in that instance and will at least pay the third party part of your claim - but they don't have to be, which means that Jo Bloggs who was also involved in the accident then has to claim on their own insurance even if it was your fault, pushing up their own prices for no reason at all.

More generally - I don't see why so may young drivers think they are entitled to drive smart, often modified cars and yet not get stung on the insurance front - it really is simple statistics and economics to me.

I'm 30, no fault claims, I drive a reasonably powerful car, am insured for business use at 22,000 miles a year and live in a less-than-ideal urban postcode. I pay £800 a year.

I understand that this means I am going to pay more than my 65 year old father who drives almost the same type of car but does 5,000 miles a year and lives in an affluent rural postcode. He pays £280 or thereabouts.

#30 Mathrin

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Posted 09 September 2012 - 02:06 PM

Lots of insurance companies are good samaritans in that instance and will at least pay the third party part of your claim - but they don't have to be, which means that Jo Bloggs who was also involved in the accident then has to claim on their own insurance even if it was your fault, pushing up their own prices for no reason at all.


Correct, There are 4 levels of insurer cover.

No Cover - We're not involved
Article 75 - We would only pay uninsured losses
RTA - We pay both repairs, up to a maximum of £1,000,000
Under Contract - Full Indemnity to both parties (Policy allowing)

If we voided a policy due to non disclosure (AKA Lying about mods, previous conviction history or previous accidents) We would be article 75, you would not be invited back to renew your premium, and you would have a wrecked car that you would have to repair yourself.

Seems barely anyone understands what insurance is actually there for, and why it costs so much these days though. (Hint : it's not cause we like making money out of you, many insurers post minimal profits per year) - I mean this in a VERY broad sense - not alluding to people here. You would not believe the amount of times I hear "well what do I pay insurance for?!" in a conversation when I tell people that they cannot have their car repaired yesterday.

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