New car not listed as a model on insurance database?
Discussion
My new car will be a 15 reg registered on 1st March. It's a Range Rover Sport. I rang my insurer and they were unsure of which model RRS HSE my car was as there were none that matched my cars BHP figures. They told me to arrange my insurance through Range Rover for free 7 days insurance as that way once registered my cars details would be on the insurers database so they could easily identify my car and transfer my cover accross from Old car to new.
So I did that today but when my 7 day free insurance docs came from Land Rover Insurance my model is listed as:
RANGE ROVER SPORT HSE SDV6 (255)
255 means 255 BHP!? This is incorrect as the older shape car was 255BHP and the new model was 288BHP. Furthermore On the RR website my new cars output is 306 BHP..there has been a BHP increase from Jan 2015 produced cars.
The insurers say this car 306 BHP is not on the database! Not sure what to do any ideas? My insurers are Privilige.
I have just had a look myself by trying to take out a new policy quote online with direct line and lo and behold the only RRS 3.0 HSE 2014 onwards is "SPORT 3.0D (13ON) HSE 288 AU 2993cc 5DR" - this is the new model but pre LCI - from Jan 15 the cars output was increased to 306BHP.
Anyone on here know how to correct the insurance database!? Don't want issues if I ever need to claim!
So I did that today but when my 7 day free insurance docs came from Land Rover Insurance my model is listed as:
RANGE ROVER SPORT HSE SDV6 (255)
255 means 255 BHP!? This is incorrect as the older shape car was 255BHP and the new model was 288BHP. Furthermore On the RR website my new cars output is 306 BHP..there has been a BHP increase from Jan 2015 produced cars.
The insurers say this car 306 BHP is not on the database! Not sure what to do any ideas? My insurers are Privilige.
I have just had a look myself by trying to take out a new policy quote online with direct line and lo and behold the only RRS 3.0 HSE 2014 onwards is "SPORT 3.0D (13ON) HSE 288 AU 2993cc 5DR" - this is the new model but pre LCI - from Jan 15 the cars output was increased to 306BHP.
Anyone on here know how to correct the insurance database!? Don't want issues if I ever need to claim!
Have you tried looking the model up on one of the comparison websites? As far as I'm aware, each model is assigned an Association of British Insurers (ABI) code, so if you could find that out and pass it on you'd be sorted. That said, I don't know how you can find a list of these codes!
If your existing docs on the temp cover that Land Rover sorted out for you say RANGE ROVER SPORT HSE SDV6 (255) , just insure it as that. In the event of a claim early on, if there's any query you can say you took the info off the insurance LR arranged, and how were you to know it wasn't right. You took the info of official LR docs, which is a perfectly reasonable thing to do.
After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
W4NTED said:
...
RANGE ROVER SPORT HSE SDV6 (255)
255 means 255 BHP!?
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That's an assumption; it might be an internal reference number or something just not related to the power output in any way RANGE ROVER SPORT HSE SDV6 (255)
255 means 255 BHP!?
...
. As posted above, insure it using the reference "RANGE ROVER SPORT HSE SDV6 (255)" and watch & wait...
TwigtheWonderkid said:
If your existing docs on the temp cover that Land Rover sorted out for you say RANGE ROVER SPORT HSE SDV6 (255) , just insure it as that. In the event of a claim early on, if there's any query you can say you took the info off the insurance LR arranged, and how were you to know it wasn't right. You took the info of official LR docs, which is a perfectly reasonable thing to do.
After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
You wont have a leg to stand on with this approach. You cannot just presume the insurance company have got it right, land rover arranged or not, you have a duty to ensure all documentation and information held is correct. Insurers get around the approach above by either issuing you with a proposal form for you to sign and return acknowledging all is correct or more commonly these days issuing a statement of fact which does not need returned but does inform you of your duty to ensure all info is correct. After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
Your best bet is to inform the insurer of the correct model of car and leave it up to them how they want to deal with it. Having worked in the industry previously it isn't that uncommon a scenario with new models. I had it in the past when volvo updated their engine range. I worked in a broker and we just contacted the underwriter who advised of an equivalently grouped model to base the premium on and then we issued the covernnote clerically with the correct vehicle details until the database was up to date (generally pretty quick). This approach may vary from company to company, but what you describe is far from an insurmountable issue. Just ensure you inform them of the correct details, and if they cannot find it on their system dont be fobbed off with 'that car doesnt exist sir' or similar.
I'm not sure how things would go for you in the event of a claim if you had the car insured as something other than what it is. Plenty of people's details are knowingly or unknowingly incorrect, particularly these days with many engines of the same capacity and multiple outputs. Chances are they'll have your phone calls recorded so if you declared the correct vehicle on the phone, I'd imagine you'd have a reasonable argument, however as I said before it ultimately comes down to you to ensure your documentation and details are correct and failure to do so could well cause a headache were the worst to happen.
jb2410 said:
I'm not sure how things would go for you in the event of a claim if you had the car insured as something other than what it is. Plenty of people's details are knowingly or unknowingly incorrect, particularly these days with many engines of the same capacity and multiple outputs.
This happened with my Merc and the insurer (LV=) weren't bothered - they just picked the nearest model and said as long as the reg is correct it'd be fine.It's still a common problem on Mercs - indeed there's a thread on one f the Merc forums today from someone where the docs don't agree on whether it's a 320 or a 350 and on the engine output.
jb2410 said:
TwigtheWonderkid said:
If your existing docs on the temp cover that Land Rover sorted out for you say RANGE ROVER SPORT HSE SDV6 (255) , just insure it as that. In the event of a claim early on, if there's any query you can say you took the info off the insurance LR arranged, and how were you to know it wasn't right. You took the info of official LR docs, which is a perfectly reasonable thing to do.
After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
You wont have a leg to stand on with this approach. After a couple of months call them and ask if the have a 306BHP model on the system. If they say Yes, tell them you've just found out that's the actual model you have, and ask them to change it and pay any extra.
jb2410 said:
I'm not sure how things would go for you in the event of a claim if you had the car insured as something other than what it is.
I'll tell you exactly how it goes. If you insure it as a Fiesta 1.1. and it's a Lamborghini, then you have a real problem. But in this case, he's insuring almost an identical car, correct year and value, but just slightly the wrong variant. And has documentation issued by LR to show why he was misled. It wouldn't cause the slightest problem. I do agree with you that the chances of a claim being invalidated due to this are virtually nil. All I'm saying is that claiming ignorance on the basis of previous documentation from another insurer is unlikely to wash as an excuse for any discrepancies arising on paperwork.
OP's insurers do appear to be reluctant to just stick the car down against an incorrect model based on his post, so in this instance I was pointing out another way in which they may end up dealing with it.
OP's insurers do appear to be reluctant to just stick the car down against an incorrect model based on his post, so in this instance I was pointing out another way in which they may end up dealing with it.
jb2410 said:
I do agree with you that the chances of a claim being invalidated due to this are virtually nil. All I'm saying is that claiming ignorance on the basis of previous documentation from another insurer is unlikely to wash as an excuse for any discrepancies arising on paperwork.
If it was any old insurer, maybe. The reason they would have it wrong is because you gave them wrong info. But this is LR's own insurance ffs! This the free 7 day insurance that was arranged by the supplying dealership. Surely they would know the correct model. It's the perfect excuse. Why would your average punter even question it. It's bizzare! I have searched various insurers online quotes and none recognise the new 2015 model car with the Higher BHP. The people in the call centre are useless and tell me to speak to Land Rover. Land Rover tell me it's an insurance database issue - not a good start to car ownership 
Update: Land Rover insurance have acknowledged the issue and have "IT" trying to sort it out - strange as it's not an IT Issue! Anyways my policy now has a note to explain the BHP is incorrect.
My insurance company have also finally understood where I am coming from and have graded my insurance correctly to take in to consideration the higher BHP figure. Once the new car is listed they will change it over for me - note on system.
My insurance company have also finally understood where I am coming from and have graded my insurance correctly to take in to consideration the higher BHP figure. Once the new car is listed they will change it over for me - note on system.
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