GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: ffrank on 21 May 2014, 20:09
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Has anyone got this combination? Been on the phone to them for an hour and they can't give me a premium as they don't understand DCC as an optional extra... on hold again now.
VW insurance runs out at midnight tonight, grr!
Update: Had to take the insurance out without covering DCC, so they can speak to the underwriters tomorrow. If my car is nicked tonight they could look to pay me 'market value - DCC', hmm!
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Hate the Admiral group. Had a non fault accident years ago, other side admitted responsibility and paid for everything, no no-claims lost....they doubled my renewal. Have given them a wide berth ever since.
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Both ours are through Admiral multicar I recall specifying all the optional extras including dcc but can't remember what came of the lengthy discussion about what it was doing for the car. Very odd, but my premium was very good. I'm old though lol.
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I had them do the same thing to me a few years back monkeyhanger, although it was a split fault accident on my wife's car. I was able to just renew online as a new customer for half as much as the renewal! Not sure if they have clamped down on that now though.
Yes, on the multicar too C2K, it was by far the cheapest for our cars this year. Good to know your DCC went through, I think it was very much a case of the chap and his supervisor not knowing how to categorise it so hopefully they sort it tomorrow.
Just got my gap sorted from ala too, money10 for 10% off if anyone hasn't seen that.
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I've been with admiral for years and never had any problems.
I just told them what factory options were fitted to the car when I took out the policy and was never asked any lengthy questions regarding DCC or anything else.
I think you may just have had a numpty on the other end of the phone who was unsure.
Regarding GAP just go with Volkswagen via price matching.
I got my GAP for £174. :)
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I think so, as nice as he was he did seem a bit new - I had to tell him if he took my license plate I wouldn't have to tell him my engine cc etc. :huh:
I didn't know VW did price matching, although I don't know how the t&c's compare? I've got it from ala now, £225 for 4 year vehicle replacement, so pretty good.
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Am I missing something, why do you have to explain optional extras to your insurance company? I was under the impression that was only if it's modified i.e. after you bought it?
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Am I missing something, why do you have to explain optional extras to your insurance company? I was under the impression that was only if it's modified i.e. after you bought it?
Exactly this...
I gave them all the normal details, one of the questions being has it been changed from the manufacturers standard specification? I can only assume this means all optional extras are included within this as they are from the manufacturer and not done by a third party afterwards??
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Am I missing something, why do you have to explain optional extras to your insurance company? I was under the impression that was only if it's modified i.e. after you bought it?
Exactly this...
I gave them all the normal details, one of the questions being has it been changed from the manufacturers standard specification? I can only assume this means all optional extras are included within this as they are from the manufacturer and not done by a third party afterwards??
Well, if they've got the impression that the OP has retrofitted non-manufacturer dynamic suspension to his car you can understand why they would want to ask the underwriter. That would be quite a modification.
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You need to make it clear that the DCC is a factory fitted optional extra for the purposes of them paying out any settlement that takes it into account should a total loss that requires settlement occur.
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I was specifically asked what optional extras i had purchased for the car, and made it quite clear all options were fitted by VW during the build. The DCC was difficult to explain, she asked what it was so I explained it was adjustable dampers, to which she couldn't quite grasp what they were doing for the car. Nontheless all options explained.
My renewal price was high, and I wasn't impressed. Guy on the phone gave me a discount, but instead I went and got a new multicar quote with the same details and it was 30 odd percent cheaper. Rang them back and put that through, and got a further discount for the inconvenience in the end.
The problem in my case was the fact my fiancée is South African, and has only been UK resident 2 years. Her driving license has been held for 9 years but Admiral were the only people who seemed to accept that her license wasn't 0 years old at the time. I spent many hours on the phone to several companies and Admiral were the cheapest quote anyway before factoring in her driving experience - served only to increase the saving, then came Multicar. Was a no brainer for us.
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I would be changing car insurance if they are asking stuff like that. I wasn't asked but I told them the current value. You only need to declare retro fitted things and not the options boxes that VW built for you.
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Yeah likewise I'd go elsewhere, these bits aren't "fitted by VW" (implying additional stuff) they are part of that model of the car. You can't have a car with no suspension, insurance should know there are two types.
Anyway, you got it sorted satisfactorily in the end :smiley:
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Not really, I paid extra for them and they affect the market value I had to pay. Doesn't bother me, pays to be thorough and my premium was a bargain tbh.
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Out of interest, how would insurance hold up if you didn't declare optional extras on a second hand car? For example if you didn't realise it had DCC and didn't declare that if asked as optional extra? I think they'd struggle to void the claim unless they could prove you were explicitly aware of the extra being present on the car.
I know in your case they'll say you ordered the car but wondered in the second hand market.
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Optional extras notification should only concern replacement value early in the car's life, especially if you're with an insurer that'll replace a written off/stolen car with a brand new one in year 1 - just so you don't get a fully loaded car replaced with a vanilla one. Further down the line when that car is 3 or 4 years old, those extras will add next to no value for settlement purposes. If you have a repairable smash that requires replacement of an optional extra, they should do that as a matter of course.
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On a related subject, I had trouble with First Alternative a few years ago not insuring factory extras. Got my money back and went elsewhere.
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Out of interest, how would insurance hold up if you didn't declare optional extras on a second hand car? For example if you didn't realise it had DCC and didn't declare that if asked as optional extra? I think they'd struggle to void the claim unless they could prove you were explicitly aware of the extra being present on the car.
I know in your case they'll say you ordered the car but wondered in the second hand market.
Yeah I had that healthy debate on another forum with an insurance employee.
He reckoned all extras need to be declared when insuring your car regardless of age.
That is nigh impossible if you buy a car 2 or 3 years old, due to the manufacturers changing spec / previous owner(s) adding extras.
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I was pretty surprised I had to list all my options, took some time to establish they are factory options and not modifications.
After 3 more calls from admiral today they have now concluded they can cover the suspension, but for 23 quid! Can't quite see how dampners can increase the premium. I've asked for a manager to phone tomorrow, will ask them to waive it for the hassle!
Very odd, they even had me read the VW page on ACC (DCC) to them and describe why I wanted the option in the first place!! :huh: