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modification?

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datalas:

--- Quote from: TDi90 on January 24, 2009, 18:37:37 ---i rang some insurers todAY and told them about the cage. they said it wouldnt affect the premium, BUT they would not pay for the modifications in an accident.
so what do i do? maybe i should just value the car higher, (therefore covering the cost of the cage) or... pay the higher primium insurance (MAJORLY HIGHER) where it is covered.
i know what i would do....
any ideas!
R

--- End quote ---

There's little or no point in valuing your car higher,  should you crash it they'll offer you the book price for an unmodified 90, if you're lucky.  More likely they'll offer you 47p and a pack of out of date crisps [1],  granted they *should* just pay you the appropriate price, but err... not a chance :(



[1] Probably smokey bacon or any other flavour that tends to get left

Range Rover Blues:
In the event of a total loss you should then have ownership of all the mods, it would be down to you to ake sure they don't dissapear at the insurance comany's nominated salvage yard (bet money they will) and that you remove them before the claim is settled.  My advice would be to make sure the car is recovered to your home address in an accident and you keep it there, use your own recovery rather than the insurance recovery too.

A lot of insurance will wriggle out of paying for modifications anyway, anyone who has ever had to claim will agree that it's hardly worth bothering sometimes I think.

lambert:
if you were to modify a car then get an sva could you not then have it called a kit car and insure it on that basis? i.e. "hello, i would like to insure my car, it's a prototype kit based on a landrover and has passed the sva."

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