One of the Insurers responsibilities is to cover the full known value of the vehicle at the time cover starts. Obvious, yes. But the value of the car has now been changed because of the addition of what in some of them would constitute an increased initial purchase price at new.
Therefore, however unjust it may seem, that has the effect of increasing any claim in the event of total loss. Ergo, higher premium. They are not unaware of total loss claims being in many cases er, enhanced!
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member no. 235
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