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1010
Member Since: 31 May 2018
Location: sheffield
Posts: 36
  
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| Disco 4 grille and insurance |
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Hi all - just had a quote from the insurance company when I said I was putting a new grille on. Doubled in price !!!! - any advice from anyone on companies that are reasonable with modification ?
Thanks
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 12th Jun 2018 1:50 pm |
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Aerialmark
Member Since: 21 Jun 2015
Location: Burnley (Where the M65 is cobbled)
Posts: 5192
 
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Don't tell them  The happiest of people don't necessarily have the best of everything;
They just make the best of everything they have.
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| 12th Jun 2018 1:52 pm |
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Madrilleno
Member Since: 13 Oct 2014
Location: Nottingham
Posts: 1784
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Adrian Flux. Didn't charge extra for grille, sliders, off road tyres, compressor & sump guard. There are two rules for success,
1. Never tell everything you know.
D4 gone!
D5
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| 12th Jun 2018 2:09 pm |
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grzesiul
Member Since: 11 May 2008
Location: UK
Posts: 6400
  
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A-plan
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| 12th Jun 2018 2:13 pm |
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A-Plan Insurance
Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
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Happy to take a look for you 1010! Give us a call on 01635 874646
grzesiul - thank you!
Aerialmark - If you have an accident and the garage reports back to the insurers that there are modifications on the vehicle which they weren't aware of you could find yourself in a bit of a pickle!
Thanks
Carlie Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
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| 15th Jun 2018 9:34 am |
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Parky63
Member Since: 10 Apr 2017
Location: Hampshire
Posts: 409
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Carlie,
What happens if the mods were done before you bought the car and didn't realise they were mods? How many of us would know if an engine's been remapped before we bought it?
David 2006 D3 HSE Buckingham Blue
Silicone Intercooler Pipe
MAP Sensor cleaned
N/S Drain Tube Elbow
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| 15th Jun 2018 9:48 am |
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Rnclayton
Member Since: 13 Apr 2018
Location: Radstock, Bath
Posts: 564
 
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IMO the term modification is a very broad brush to paint with.
If I pranged my grille, and didn't want to claim, I would look to see what I could get on the Bay or Thieves. As long as it said it was a D4 grille (for me), and it was reasonably priced, I would get it. Further down the line, if I then had to claim for some front end damage, and it was declined because it wasn't the original grille, I would be well hacked off.
Whereas, upgrading a GS to a HSE spec would be a major modification, I would not expect it to be covered. MY07 Freelander2 SE Santorini Black - Gone
MY10 D4 XS Buckingham Blue
MY06 D3 HSE
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| 15th Jun 2018 9:56 am |
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A-Plan Insurance
Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
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Most cars you would know as advertised with MODs etc, or with the BHP they are putting out (again, often advertised) - if it's 400bhp on a Fiesta then that's a bit of a giveaway.
Exterior MODs such as snorkels, spot lights, winches - all visible and likely non standard.
it is to the best of your knowledge, but it is your duty as the owner of the vehicle to know what you car is/has on it - the insurer would reserve the right to void a claim if not disclosed, if you have any concerns about a possible modification you can get it checked to make sure.
Thanks
Carlie Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
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| 15th Jun 2018 10:04 am |
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Maxxed_Ross
Member Since: 13 Mar 2018
Location: Bathgate
Posts: 310
 
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surely if it's a Land Rover genuine part then it's not a modification then?  2013 Discovery 4 HSE Lux | 2001 Defender 90 TD5 | 2007 Prodrive RB320
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| 15th Jun 2018 9:53 pm |
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A-Plan Insurance
Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
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If it is fitted after-market then it's worth just mentioning it to insurers that even though it is a Land Rover part/ factory fitted option it was fitted after sale just to make sure you aren't withholding any information
 better to be safe in these instances
Carlie Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
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| 18th Jun 2018 7:47 am |
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