9 replies to this topic

[Geehawk]

Right I've had loads of hassle with AdrianFlux just trying to renew my policy, and update my modifications list/agreed value. One point of contention is that they class the fact that I have resprayed my car as a modification and state I should have declared it in the list of mods.

The fact I have sprayed it in the original colour, using the original paint type (celly) cuts no mustard with them, they still insist its a modification and should be declared.

So this is a heads up to all who think they have told their insurance about all mods. Wouldn't want anyone not getting a pay out because they have painted their car .....

I'll be swapping companies next renewal I think.

[CaraMillar]

dear lord thats a bit of a pathetic excuse on their behalf to bump up your premium by the sound of it!

Go elsewhere I would, mines is up next week :S I'm with Lancaster Insurance and never had a problem!

[Geehawk]

Given the modifications I've done the respray was not adding to the cost, but it appears that they would at least not cover the paintwork or at worst void my policy because I had not declared a same colour respray as a modification.

Lancaster Eh ..... shall I tell you about the time they cancelled my policy "by accident" and I was driving round uninsured for 8 months

[VulcanBomber]

Given the modifications I've done the respray was not adding to the cost, but it appears that they would at least not cover the paintwork or at worst void my policy because I had not declared a same colour respray as a modification.

Lancaster Eh ..... shall I tell you about the time they cancelled my policy "by accident" and I was driving round uninsured for 8 months

Footman James for me, brillant - really really good.

[paulrockliffe]

Given the modifications I've done the respray was not adding to the cost, but it appears that they would at least not cover the paintwork or at worst void my policy because I had not declared a same colour respray as a modification.

Lancaster Eh ..... shall I tell you about the time they cancelled my policy "by accident" and I was driving round uninsured for 8 months

Lancaster won't quote modified cars anyway.

[sixwheeler]

Right I've had loads of hassle with AdrianFlux just trying to renew my policy, and update my modifications list/agreed value. One point of contention is that they class the fact that I have resprayed my car as a modification and state I should have declared it in the list of mods.

The fact I have sprayed it in the original colour, using the original paint type (celly) cuts no mustard with them, they still insist its a modification and should be declared.

So this is a heads up to all who think they have told their insurance about all mods. Wouldn't want anyone not getting a pay out because they have painted their car .....

I'll be swapping companies next renewal I think.

That is entirely correct, it is not the original paint. They have a duty to restore the car (where possible) to the condition you have insured it as. Some people spray their car in all sorts of amazing and wonderful paints that cost a fortune, if it is not declared then the insurance company have no reason to restore the paint and could just paint it Blue - even if you 'Blue' paint was some sort of super expensive fancy stuff.

In your case I would suggest that it is merely a technicallity, but you have to consider the wider picture and the fact that they do insure other cars that may have expsensive paint. They have boxes that they need to tick and wether it has any impact on YOUR car is neither here nor there, the box has to be ticked.

[Geehawk]

That is entirely correct, it is not the original paint. They have a duty to restore the car (where possible) to the condition you have insured it as. Some people spray their car in all sorts of amazing and wonderful paints that cost a fortune, if it is not declared then the insurance company have no reason to restore the paint and could just paint it Blue - even if you 'Blue' paint was some sort of super expensive fancy stuff.

In your case I would suggest that it is merely a technicallity, but you have to consider the wider picture and the fact that they do insure other cars that may have expsensive paint. They have boxes that they need to tick and wether it has any impact on YOUR car is neither here nor there, the box has to be ticked.

I dont accept that. If you fit a brand new headlining for instance, same as original should it be declared as a modification ? If you replace the front end due to rust and respray it should that be declared as a modification??

If a car has expensive non standard paintwork then yes it should be declared so they can tick the box but in my case they dont have to tick it. They are forcing a modification that does not exist. If the car was perfectly original in every way except for being resprayed in the original colour then that would mean you have to have a modified insurance policy.

Anyway this was just meant as a heads up to all those who have just resprayed their cars in original colours that they might find themselves uninsured because they have not declared it.

Edited by Geehawk, 19 August 2008 - 09:12 AM.

[miniEgg]

i have just gone with Adrian flux, and have declaired the full respray but then we have had a pearl put in the red. and we did tell them it had been restored and rebuilt front end. and they didnt mind one bit... didnt really effect the price either, the only thing that did was that trace is only 20.

[mini93]

my modifications list was so very long, i need to add more also

[sixwheeler]

That is entirely correct, it is not the original paint. They have a duty to restore the car (where possible) to the condition you have insured it as. Some people spray their car in all sorts of amazing and wonderful paints that cost a fortune, if it is not declared then the insurance company have no reason to restore the paint and could just paint it Blue - even if you 'Blue' paint was some sort of super expensive fancy stuff.

In your case I would suggest that it is merely a technicallity, but you have to consider the wider picture and the fact that they do insure other cars that may have expsensive paint. They have boxes that they need to tick and wether it has any impact on YOUR car is neither here nor there, the box has to be ticked.

I dont accept that. If you fit a brand new headlining for instance, same as original should it be declared as a modification ? If you replace the front end due to rust and respray it should that be declared as a modification??

If a car has expensive non standard paintwork then yes it should be declared so they can tick the box but in my case they dont have to tick it. They are forcing a modification that does not exist. If the car was perfectly original in every way except for being resprayed in the original colour then that would mean you have to have a modified insurance policy.

Anyway this was just meant as a heads up to all those who have just resprayed their cars in original colours that they might find themselves uninsured because they have not declared it.

And a good heads-up it is too!

What you are fogetting is that they generally insure a lot of modified vehicles so it is in their interest to have all the facts. I would doubt it would make your insurance invalid as it has no real bearing on the vehicle as such and there would be alot of cars on the road without proper insurance cover and that is clearly not the case.

They said to me that they restore the car to the same condition, hence it being a modification that they need to know about as it is not original in the strict sense of the word and they need to put it back how it was.

My quote was based on age, where I live, driving history, major modifications (engine, wheels etc) etc. and although I have declared a whole list of other 'modifications' (paintwork, seat covers, rear lights, interior.... it's a long list), these have no impact on overall the cost of the insurance.

I can't belive that they are asking for more money for a standard paint job, are they? Surely not? If they are then that is a bit of a joke and absolutely vote with your feet and take your business elsewhere.

Oh, and yes, I did declare the new headlining!

Edited by sixwheeler, 19 August 2008 - 09:22 AM.