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6th October 2021, 20:23 | #11 | |
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macafee2 |
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8th October 2021, 21:28 | #12 |
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I think the biggest issue is the fact that you have modified the car from original manufacturer spec. This doesn't seem to go down well with insurance companies, they will even charge you more for changing the dash from light oak to walnut. Basically it's any mods.
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Rover 75 2.0 CDTi (131Ps) Conn SE Saloon. (Manual) 160 Remap, cruise control, electric window blind, temp gauge, Real walnut / ZT interior, FBH with GSM control. BORN Tuesday, 5th October 2004 @ 12:35:52 This vehicle was the 104,679th 75 to run off the production line, out of 112,381 This vehicle was the 3,318th 75 CDT Connoisseur SE (135) to be made out of 4,744 This vehicle was the 12,440th 75 in Starlight Silver (code: MBB) to be made out of 14,280 Starlight Silver 75s |
9th October 2021, 07:19 | #13 | |
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Things such as performance and making it pretty and more attractive will. macafee2 |
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9th October 2021, 16:26 | #14 |
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Indeed the CDTi was a dog as standard and a completely different car when remapped but a safer car than the old spec so should be cheaper insurance as the original was dangerous at any junction.
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9th October 2021, 17:27 | #15 | ||
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The suspension, brakes, chasis of the car were designed to match the engine's performance. Unless an insurer tests every modified car as part of the quoting process, how can they possibly know whether the modified car is safer or less safe? Most reputable insurers do not like modifications, which I think is perfectly understandable from a risk management perspective. Insurance is about nothing other than risk assessment and cover. |
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9th October 2021, 22:21 | #16 | |
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In other words, performance doesn't = safety, it's how that performance is used. |
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10th October 2021, 07:35 | #17 | |
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A number of mods, full size spare wheel, self dimming mirror, FBH, puddle lights, change of dash clocks so I can access the digital stuff, change of indicator stalk, aux socket but wont be seen when the car is parked up. Front foglights, reversing sensors,embossed headrests, electric sunblind, walnut dash, tow bar, electric memory seats can all be seen but externally make little difference. The reversing sensors may be the most noticeable thing even though they are colour coded and the seats the most desirable if one looks through the window. Flash wheels make the car more attractive but I have standard wheels. suspension and brakes will be performance mods. I spoke to Admiral insurance about fitting 15 inch wheels with snow tyres, no problem was their reply. I firm am of the opinion notify the insurance company of any mods and let them decide if it is premium a/effecting. Most of the mods they just make a note of. macafee2 |
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10th October 2021, 08:41 | #18 | |
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10th October 2021, 09:37 | #19 |
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Interesting that a full size spare wheel is a modification, I have a full size matching alloy spare.
How can if find out if the car was originally supplied with it, therefore its not a modification, or will the insurance company be able to give me that information? |
13th October 2021, 15:01 | #20 | |
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I have insured my 160 remapped Connie with LV for several years, it seems to add about £100 to standard premium, mine is now just under £400 p.a. for fully comp. |
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