Insurance cancelled due to painted wheels !
Discussion
Sk00p said:
I just had a chat with the AA insurance people as their quote was best, if it didn't come from the manufacturer like it they consider it a modification, then it's down to whether the underwriter deems it a higher risk as to whether it would cost more or not.
And that's the problem. many people buying a used car will have no idea whether it came out of the factory that way, let alone which of the options were dealer fit.Is it modified - not to the best of my knowledge
Is it doubtful anyone can realistically say 'no'
I remember in the 90's some of the bigger car dealers making their own 'special editions' out of basic Fords. A Fiesta Popular Plus, with some stripes and a set of alloys and given a silly name that didn't appear on the log book. Wonder if anyone ever came a cropper with one of those.
so what happens in a situation where your main dealer fits Motorcraft parts rather than Original Ford parts.
you'll never get a dealer fitting factory spec ford consumables as they are a few quid dearer than the Motorcraft option. Ah you say but their OEM spec, well there not, Motorcraft pads last 40k on the front of a Mondeo Genuine Ford ones generally last 60k,
head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol
you'll never get a dealer fitting factory spec ford consumables as they are a few quid dearer than the Motorcraft option. Ah you say but their OEM spec, well there not, Motorcraft pads last 40k on the front of a Mondeo Genuine Ford ones generally last 60k,
head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol
[quote=Glasgowrob
head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol
[/quote]
That's my biggest issue with insurers... whining about the colour of wheels yet if you fitted some of the cheapest, worst performing tyres to said wheels they wouldn't bat an eye lid.
head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol
[/quote]
That's my biggest issue with insurers... whining about the colour of wheels yet if you fitted some of the cheapest, worst performing tyres to said wheels they wouldn't bat an eye lid.
saaby93 said:
Sk00p said:
I just had a chat with the AA insurance people as their quote was best, if it didn't come from the manufacturer like it they consider it a modification, then it's down to whether the underwriter deems it a higher risk as to whether it would cost more or not.
And that's the problem. many people buying a used car will have no idea whether it came out of the factory that way, let alone which of the options were dealer fit.Is it modified - not to the best of my knowledge
Is it doubtful anyone can realistically say 'no'
I haven't declared as it's unmodified from how it was built. Someone else declaring an **identical** car however could end up in grief for an "undeclared modification" just because of who fitted the tow bar.
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
Or to insure the car under an open driver policy. It would probably be cheaper too.I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
But I'm sure our resident Insurance Company Marketing Assistant VP Apprentice will be along shortly to assure us that we're not being overcharged, taken for a ride and should be bloody grateful that Insurance companies are even doing anything for us at all (because it's not like insurance is mandatory or anything).
Shakermaker said:
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
I know it's possible already but this type of policy isn't common or cheap.
0ddball said:
Shakermaker said:
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.
I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.
An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
I know it's possible already but this type of policy isn't common or cheap.
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...I don’t think there is any problem with driving in summer with Winter tyres at normal legal speeds. They might wear out a bit quicker though.
Flibble said:
saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
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