Insurance advice - Page 2

VVC-Geeza · 26th May 2010, 19:06

Quote:

Originally Posted by JohnDotCom

I think the standard range and size you would get away with but most swap to 18" a dead giveaway on a 75 as never fitted.

I can hear them now saying,"i'm sure that looks lower too"

Joseph · 26th May 2010, 19:59

Quote:

Originally Posted by VVC-Geeza

My advice would be to notify your insurers of ANY visual mods/changes.

Now a remapped ECU, that's a different matter

Is there any way of them actually telling if you have a remapped ECU?

I asked someone the other day and was still told I should inform the insurance company (which of course I can't do because I can't have any mods at my age)

JohnDotCom · 26th May 2010, 20:14

Not if carried out correctly.
T4 doesn't spot it (*checked mine on Big Russ's)
Rolling Road would be a dead giveaway.

~~ I would not of course recommend this course of action to any one on the Forums though.

VVC-Geeza · 26th May 2010, 23:20

Quote:

Originally Posted by Joseph

Is there any way of them actually telling if you have a remapped ECU?

In a word no,i've never heard of an insurance company RR a car and even if they did how could they prove that YOU had had it remapped.

Quote:

Originally Posted by Joseph

I asked someone the other day and was still told I should inform the insurance company (which of course I can't do because I can't have any mods at my age)

Depends who you asked,if it was a modifying company then they would be obliged to tell you that to cover themselves.

pipenslippers · 1st June 2010, 13:32

Anyone come across a fully comp insurer for Rover 75 owners they'd strongly recommend ? (or better than 1st direct)

I believe an insurer would stick me in the "middle aged" category. Have just over 20 yrs of driving under my belt and lucky enough never to been in an driving accident.

Cheers

Pipe.

topman · 1st June 2010, 16:52

Quote:

Originally Posted by pipenslippers

Anyone come across a fully comp insurer for Rover 75 owners they'd strongly recommend ? (or better than 1st direct)

I believe an insurer would stick me in the "middle aged" category. Have just over 20 yrs of driving under my belt and lucky enough never to been in an driving accident.

Cheers

Pipe.

Esure were very good, £550 fully comp, but then I've not very many years NCB.

simonej · 1st June 2010, 17:00

I'm led to believe that they still have a duty to cover any third party claims that may result. They might just fight against paying out on your own. (Don't count me on this but it's what I've been told.)

Rammie · 1st June 2010, 19:46

Quote:

Originally Posted by VVC-Geeza

In a word no,i've never heard of an insurance company RR a car and even if they did how could they prove that YOU had had it remapped!

Now that is an interesting senario, if you have purchased a car and have no knowledge about a re-map, where does this leave you??

Also if you have been in a shunt and the car cannot be tested on a RR due to the damage, heaven forbid, of course!

Bartonrover · 1st June 2010, 20:02

Quote:

Originally Posted by pipenslippers

But I still dont understand how they would be able to tell ? If I've retro fitted the identical factory supplied optional extra, ie the rear parking sensors, surely there's no way they could tell? (of course unless they asked about that specific features during the purchase of the insurance ). Are the insurers supplied with full spec details by the car showroom at the time of the original sale ?

Cheers

Pipe.

Churchill (and Admiral) asked me what extras had been fitted. Although all are factory fitted Rover extras, - sunroof, powerfolds, personal line leather, traction control, Harmon Kardon - they all count - as do Rover's Meteor alloys. However, I assumed the Sat Nav was standard on my model.

They are all extras - as opposed to remapping which is a modification. In conversation, Churchill said they would not accept any modifications whatsoever - including non-standard exhaust or special sound systems. I think large wheels are definitely a mod. Churchill subsequently relented on my remap (as did Admiral) when i told them it was a Rover mod to convert to the 131 bhp version of the CDT. Admiral's policy states it is my obligation to inform them of any modifications made at any time.

chunkybray · 1st June 2010, 20:06

Elephant robbed me of £20 for fitting a towbar.Bodywork modification apparently.

26th May 2010, 20:14	#13
JohnDotCom * Rover 75 FaceLift Tourer CDTi 170BHP Auto ConnSE 2005 Model Starlight Silver Join Date: Nov 2006 Location: Abergele Posts: 28,735 Thanks: 0 Thanked 6 Times in 5 Posts	Not if carried out correctly. T4 doesn't spot it (*checked mine on Big Russ's) Rolling Road would be a dead giveaway. ~~ I would not of course recommend this course of action to any one on the Forums though.

1st June 2010, 13:32	#15
pipenslippers Avid contributor MG ZT-T 260 SE Join Date: Jan 2010 Location: Nottingham Posts: 166 Thanks: 1 Thanked 0 Times in 0 Posts	Anyone come across a fully comp insurer for Rover 75 owners they'd strongly recommend ? (or better than 1st direct) I believe an insurer would stick me in the "middle aged" category. Have just over 20 yrs of driving under my belt and lucky enough never to been in an driving accident. Cheers Pipe.

1st June 2010, 17:00	#17
simonej Avid contributor ZT-T 190 Join Date: Feb 2010 Location: Wakefield Posts: 160 Thanks: 0 Thanked 1 Time in 1 Post	I'm led to believe that they still have a duty to cover any third party claims that may result. They might just fight against paying out on your own. (Don't count me on this but it's what I've been told.)

1st June 2010, 20:06	#20
chunkybray Avid contributor mg zt-t Join Date: Oct 2007 Location: Staines Posts: 192 Thanks: 1 Thanked 1 Time in 1 Post	Elephant robbed me of £20 for fitting a towbar.Bodywork modification apparently.