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Insurance modifications
Bulli:
TBH on bikes and with the disco i got cheaper insurance as they are on modified policies. Once you reach a certain point you can class it as modified(as in properly modified not a badge, sticker and tyres, the bike has to have alterations to chassis,bodywork and engine to qualify) and then the insurers believe you will take more care of your pride and joy.
Thats true of the Bike but they clearly arent aware of the abuse offroaders get...and you cant really claim if you roll it on a pay and play day!
Thrasher:
It gets funnier.
When I insured the RR it was not possible to have it done *without* a tracker. So I told them I'd sort one. Got one sorted, rang back.
We go through the form again, get to modifications - I state none, as I haven't even had it delivered yet. Girl moves on to next question...
"Has it got a tracker fitted"
"Yes"
"Oh in that case we have to go back to the last question and state vehicle is modified"
"Eh? But you TOLD me I had to have a tracker fitted so I could insure it...."
Cue sounds of someone banging head on desk .....
Mudlark:
--- Quote from: "Bulli" ---TBH on bikes and with the disco i got cheaper insurance as they are on modified policies. Once you reach a certain point you can class it as modified(as in properly modified not a badge, sticker and tyres, the bike has to have alterations to chassis,bodywork and engine to qualify) and then the insurers believe you will take more care of your pride and joy.
Thats true of the Bike but they clearly arent aware of the abuse offroaders get...and you cant really claim if you roll it on a pay and play day!
--- End quote ---
In one of the issues of TOR last year there was an article on someone that had drowned his truck on a Pay&Play and managed to persuade his insurance to shell out for a new engine - I believe he successfully argued that it was being used on a social or domestic outing when it happened :shock: :shock:
S188:
--- Quote from: "Mudlark" ---
--- Quote from: "Bulli" ---TBH on bikes and with the disco i got cheaper insurance as they are on modified policies. Once you reach a certain point you can class it as modified(as in properly modified not a badge, sticker and tyres, the bike has to have alterations to chassis,bodywork and engine to qualify) and then the insurers believe you will take more care of your pride and joy.
Thats true of the Bike but they clearly arent aware of the abuse offroaders get...and you cant really claim if you roll it on a pay and play day!
--- End quote ---
In one of the issues of TOR last year there was an article on someone that had drowned his truck on a Pay&Play and managed to persuade his insurance to shell out for a new engine - I believe he successfully argued that it was being used on a social or domestic outing when it happened :shock: :shock:
--- End quote ---
Insurance companys are getting wise to that now, mainly due to performance cars on track days.
They are usally not insured on the track other than for liability. Insurers have however noticed a large number of performance cars are being "crahsed" on the public road not very far from the gates of the track. I bat theres usally drag marks comming out the gates too from when a land rover dragged the wreck off site.
Yoshi:
And the reasons the stickers push the premiums up are the following, if you were going to steal a range rover and there was 2 identical ones, but one (like thrasher see's constantly) has stuck an aftermarked supercharged badge on, which is most likely to get stolen, basically the higher end sri's and such like of this world are desireable to car thieves.
You are all so far basing the insurance on an accident, dont forget it also covers theft.
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