John P
Member Since: 12 Aug 2011
Location: West Sussex
Posts: 1278
  
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| Insurance and modifications? |
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Who has a modified D3, and what do you declare to the insurance company?
I have a D3, with a roof rack, ladder, underbody protection plating, rock/tree sliders, AT Tyres, D44 bumper and winch.
Went to NFU and they quoted £649 fully comp for my wife and me. I'm 48 full NCD and live in the middle of nowhere. Is this a rip off or about right?
Thanks
John
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 3rd Jan 2013 4:01 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14128
 
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That's about the same as mine with Adrian Flux (£680). i'm 46, full NCD and live in a little village. I also have:
Under body protection
Expedition rack and ladder
Split charge system
BAS remap
Allisport intercooler
DeCat
Blanked EGRs
Nato hitch
D4 front conversion
D4 rear lights
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| 3rd Jan 2013 4:06 pm |
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John P
Member Since: 12 Aug 2011
Location: West Sussex
Posts: 1278
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Just got off the phone from Adrian Flux. £516.91 
Including off road cover and all mods covered including Blanked EGR's done myself.
They really knew what they were talking about. Well impressed.
Cheers
John
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| 3rd Jan 2013 4:45 pm |
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Russell
Member Since: 24 Aug 2007
Location: Kent
Posts: 10564
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Try LR they have been very competative recently. MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club
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| 3rd Jan 2013 5:03 pm |
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bigben
Member Since: 27 Aug 2010
Location: york
Posts: 353
 
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I use Adrian flux was 27 at last renual declared all mods
20 inch stormers
Window tints
Side steps
Leather interior
Egr blank
Got unlimited mileage fully comp and off road cover and I paid £560 and live in York itself!
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| 4th Jan 2013 2:28 pm |
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Canburne
Member Since: 15 Jan 2013
Location: Devon
Posts: 2030
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Quote:20 inch stormers
Window tints
Side steps
Leather interior
Egr blank
I hope I am not being stupid but the ONLY modification I can see here is the EGR blank - all the others are just optional accessories????
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| 4th Jan 2013 7:27 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14128
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No, some insurers classify some of these as mods if they are after market additions.
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| 4th Jan 2013 7:33 pm |
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bigben
Member Since: 27 Aug 2010
Location: york
Posts: 353
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20 inch wheels were never an option on a d3 let alone stormers!
As for the side steps window tints and leather interior how do I know they were on the vehicle from the factory? Not worth the risk in my opinion, if anything happens iv left them with very few ways of getting out of a claim!
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| 4th Jan 2013 8:43 pm |
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hughesy
Member Since: 30 Sep 2012
Location: manchester
Posts: 127
 
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Has the insurance company ever got out of a claim because someone had the spec wrong on their car, like window tint or sidesteps, and my wheels say landrover on the hub cap so i assume they are original as i dont really know much about cars anyway , has anyone any exsperiance like this when making a claim?
I know of one person who didnt declare 3 points and had a major crash but they couldnt drop her claim and all went through ok.
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| 4th Jan 2013 9:03 pm |
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hughesy
Member Since: 30 Sep 2012
Location: manchester
Posts: 127
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Has the insurance company ever got out of a claim because someone had the spec wrong on their car, like window tint or sidesteps, and my wheels say landrover on the hub cap so i assume they are original as i dont really know much about cars anyway , has anyone any exsperiance like this when making a claim?
I know of one person who didnt declare 3 points and had a major crash but they couldnt drop her claim and all went through ok.
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| 4th Jan 2013 9:03 pm |
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hughesy
Member Since: 30 Sep 2012
Location: manchester
Posts: 127
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Has the insurance company ever got out of a claim because someone had the spec wrong on their car, like window tint or sidesteps, and my wheels say landrover on the hub cap so i assume they are original as i dont really know much about cars anyway , has anyone any exsperiance like this when making a claim?
I know of one person who didnt declare 3 points and had a major crash but they couldnt drop her claim and all went through ok.
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| 4th Jan 2013 9:03 pm |
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bigben
Member Since: 27 Aug 2010
Location: york
Posts: 353
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Yes you are correct if its all genuine landrover stuf then you could claim you didn't know any different, but what people forget is they come on forums telling everyone what they have just put on there car etc etc and insurance company's can access all this and use it against you.
A lad I know had a tvr cerbera which was all insured fully comp but after he had a serious accident they looked into the car and it had some tvr optional wheels on that were not factory fit they used this against him and didn't pay him a penny, the 3rd party was sorted but he got nothing.
In my eyes you pay your money you take your chance! It's up to you. I know I'm covered. I even have the correct rates tyres on my 20s!
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| 4th Jan 2013 9:13 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14128
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i see someone has been on a presentation course:
Tell them what you're going to tell them
Tell them
Tell them what you've told them.
Yep, 3 posts should do it 
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| 4th Jan 2013 9:15 pm |
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