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Offline jimny33

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Help...insurance woes
« on: January 10, 2007, 11:39:56 »
I have added 15inch steel wheels to my freebie to replace my 17inch alloys and they want an extra £60 on my insurance

This is stupid because it actually decreases the value of the vehicle rather than increases...i am not some chavvy boy racer putting 18 inch alloys on a saxo or whatever!

Anyone give me any advice?

James  :(
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gords

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Help...insurance woes
« Reply #1 on: January 10, 2007, 12:28:59 »
Did they say why? Who is the insurance company, is it a specialist 4x4 company or a "normal" one?

You could try getting a few other quotes - and then tell the current company that you are changing unless they come up with a more reasonable price :wink:

By the way, why have you changed the wheels?
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Offline jimny33

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« Reply #2 on: January 10, 2007, 12:47:53 »
i changed the wheels so i could put some ATs the 17inch rims werent cutting it on the tyre front  :D

Also at 150 quid a corner i couldnt afford to replace them should they get a puncture  :shock:
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

MAD RED DEVIL 003

Offline V8MoneyPit

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« Reply #3 on: January 10, 2007, 15:22:24 »
Sounds like a 'lets use this as an opprtunity to fleece the customer' situation to me.

I agree with the above. Get some competitive quotes from specialist insurance companies and then go back to your current insurer.
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Offline 3laner

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« Reply #4 on: January 10, 2007, 16:21:08 »
Who insures you James? Sounds like they are taking the p*ss a bit. Was the 60 notes just for the wheels because you mentioned they wanted 50 for the sump guard. Does that mean they want 110 for both?? I would ring up speak to a supervisor and explain that it is a downgrade and you are not a boy racer etc.

Alex
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Offline Llanigraham

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« Reply #5 on: January 10, 2007, 17:56:10 »
Whilst agreeing they are taking the p!$$, they're technically correct, as you have modified the vehicle from it's original specification.

I don't think I would have bothered to tell them, as you are fitting origainal Freelander wheels.
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Offline Boggert

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« Reply #6 on: January 13, 2007, 20:29:41 »
What a con... I had that with my insurance company when I converted one of my cars to LPG, Which gives less BHP, well told the company to Jump... they then quickly backed down! :lol:
Worth a try.
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Offline jimny33

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« Reply #7 on: January 14, 2007, 01:32:16 »
i've just sent them a letter saying that it is really OTT

if they turn round and say that its still not possible, i shall send them a bill for the AT tyres and steel wheels, and a bill for some AT tyres on the 17inch rims, and a chip to couter act the loss in lower range gearing!  :twisted:
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

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Offline jimny33

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« Reply #8 on: January 23, 2007, 12:22:31 »
hello...

yet another problem in the world of my insurace...

they want £50 to add a tow bar! Does anyone else think that I am being taken for a ride here?  :?
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

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Offline Llanigraham

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« Reply #9 on: January 23, 2007, 18:58:57 »
James
Yes, definately!!!
Who are you insured with?
Graham
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Offline jimny33

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« Reply #10 on: January 23, 2007, 19:16:53 »
elephant...just spoke to someone higher up and it is a mistake...its free...phew!  :D
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

MAD RED DEVIL 003

Offline auto

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Help...insurance woes
« Reply #11 on: January 23, 2007, 19:19:51 »
I know its a rip of but its because you changed the wheelsize!. Humans would have thought nothing of it, computrs only see 'modification' which means 'more money'

Stupid really but there you go! Where the 17's original landy standard ones or after market? Just that you could say that it has been reverted back to standard!
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Offline jimny33

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« Reply #12 on: January 23, 2007, 19:42:22 »
they were standard unfortunatly.

Oh the battles of life

Im not telling them about the stump guard now because land rover fit one as standard...only is plastic!
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

MAD RED DEVIL 003

Offline auto

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« Reply #13 on: January 23, 2007, 21:16:23 »
In future just keep it clamped and tell them it came like it!!

Afetr all, If you had one without roofbars, and the previous owner added them, how would you know??
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Offline n22aps

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« Reply #14 on: May 06, 2007, 23:43:17 »
When it come to insurance companies you end up paying what ever happens.Mr insurance man  :twisted: does nothing for the money you pay him at the end of the day. :(
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Offline n22aps

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« Reply #15 on: May 13, 2007, 00:31:32 »
Quote from: "n22aps"
When it come to insurance companies you end up paying what ever happens.Mr insurance man  :twisted: does nothing for the money you pay him at the end of the day.   :roll:  :roll:
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2002 TD4 WITH A FEW OFFROAD EXTRA`S...

Offline n22aps

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« Reply #16 on: May 13, 2007, 00:32:18 »
Quote from: "n22aps"
Quote from: "n22aps"
When it come to insurance companies you end up paying what ever happens.Mr insurance man  :twisted: does nothing for the money you pay him at the end of the day.   :roll:  :roll:
:wink:
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2002 TD4 WITH A FEW OFFROAD EXTRA`S...

Offline jimny33

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« Reply #17 on: May 13, 2007, 11:29:17 »
Quote from: "n22aps"
Quote from: "n22aps"
Quote from: "n22aps"
When it come to insurance companies you end up paying what ever happens.Mr insurance man  :twisted: does nothing for the money you pay him at the end of the day.   :roll:  :roll:
:wink:


so true....you pay them all this money, have an accident and they will do anything to get out of paying!  :roll:
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My Land Rover Freelander TD4 creates less emisions than my house mates 1.3 petrol Fiesta and does more miles per gallon!

A Dirty Freelander TD4 - Kaylae

MAD RED DEVIL 003

Offline Steve ray

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« Reply #18 on: May 13, 2007, 13:23:43 »
Sadly with all insurance companies, you never really know how good they are until the fateful day when you have to make a claim.

Makes you really wanna go for the cheapest you can and get ready for the day when you try and make a claim!
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