GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: buddfridge on 09 March 2018, 07:12
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Get one high offer but all my cheap options have refused to offer with the pedal box, any recommendation 's for my gti ?
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Direct Line have had no qualms about covering my pedal box, and no effect on premium.
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Will my insurance cover remain unaffected?
Your insurance cover will not be affected since the engine remains standard.
https://www.pedalbox.com/en/product/faq
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Will my insurance cover remain unaffected?
Your insurance cover will not be affected since the engine remains standard.
https://www.pedalbox.com/en/product/faq
Yes, but, quite a few insurers still refuse to cover pedal boxes despite there being no increase in power and having this fully explained to them. And even then it depends on who answers the phone. I know many have had pedal box cover refused by their insurer, only for the same insurer to allow it for someone else. Unfortunately it’s their call!
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I was one who couldn't get it covered with Direct Line - I made the mistake of asking on the online chat function first (I thought it would be helpful for them to see the webpage saying no increase in power etc) rather than calling them up. Unfortunately once it was documented as requested and rejected by underwriter on my notes I couldn't get anywhere on the phone.
I'm going to try again at renewal time and will just keep calling until I get through to someone sensible. Buddfridge - please could you let me know if you do get sorted out.
Cheers
Andy
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I insured through Chris Knott with Equity Red Star, they were content with the pedal box and no extra premium.
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I wonder if refusal by some insurers to cover the pedal box is due to other risk factors when considered in conjunction with the pedal box? Maybe a ‘young’ driver with pedal box = refuse to provide cover and more ‘mature’ driver = OK to cover. Just a thought.....
Also, bear in mind that some insurer’s may have a range of car insurance products, ranging from a ‘low cost’, no-frills policy where only ‘standard’ changes can be made (often with the customer making the change themselves on a self service basis via a web portal) to a more flexible product supported by a large call centre operation and a team of underwriters. The no frills product will be cheaper to buy than the more flexible one as the insurer’s operating costs are lower so will be popular with the costumer, but the downside is that it will be more restrictive in terms of the changes that can be made. These basic, no frills products might not allow vehicle modifications.
Could be the reason why an insurer adopts a different approach to different customers with pedal boxes; happy to cover those who have the ‘flexible’ product but not those with the no-frills product?
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more ‘mature’ driver
Cheek! I'm a wee spring chicken you know :wink:
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I wonder if refusal by some insurers to cover the pedal box is due to other risk factors when considered in conjunction with the pedal box? Maybe a ‘young’ driver with pedal box = refuse to provide cover and more ‘mature’ driver = OK to cover. Just a thought.....
Also, bear in mind that some insurer’s may have a range of car insurance products, ranging from a ‘low cost’, no-frills policy where only ‘standard’ changes can be made (often with the customer making the change themselves on a self service basis via a web portal) to a more flexible product supported by a large call centre operation and a team of underwriters. The no frills product will be cheaper to buy than the more flexible one as the insurer’s operating costs are lower so will be popular with the costumer, but the downside is that it will be more restrictive in terms of the changes that can be made. These basic, no frills products might not allow vehicle modifications.
Could be the reason why an insurer adopts a different approach to different customers with pedal boxes; happy to cover those who have the ‘flexible’ product but not those with the no-frills product?
Not so young 48, over 9 years no claims and garaged, my cheap prices from £201 without pedal box renewal chris knott almost double with pedal box.
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I wonder if refusal by some insurers to cover the pedal box is due to other risk factors when considered in conjunction with the pedal box? Maybe a ‘young’ driver with pedal box = refuse to provide cover and more ‘mature’ driver = OK to cover. Just a thought.....
Also, bear in mind that some insurers may have a range of car insurance products, ranging from a ‘low cost’, no-frills policy where only ‘standard’ changes can be made (often with the customer making the change themselves on a self service basis via a web portal) to a more flexible product supported by a large call centre operation and a team of underwriters. The no frills product will be cheaper to buy than the more flexible one as the insurer’s operating costs are lower so will be popular with the customer, but the downside is that it will be more restrictive in terms of the changes that can be made. These basic, no frills products might not allow vehicle modifications.
Could be the reason why an insurer adopts a different approach to different customers with pedal boxes; happy to cover those who have the ‘flexible’ product but not those with the no-frills product?
Not so young 48, over 9 years no claims and garaged, my cheap prices from £201 without pedal box renewal chris knott almost double with pedal box.
If fitting a pedal box resulted in your premium being almost doubled, I think I’d be looking to see if I could get cover cheaper elsewhere with the pedal box fitted, accepting that cancelling your policy mid term with Chris Knott might mean there’d be a cancellation charge and an admin fee to pay.
I think that an additional charge of around £200 a year just goes to show that many insurance companies just don’t understand what a pedal box is or what it does.
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Phoned direct line and they accepted with the pedal box and beat my renewal so all is good.
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Phoned direct line and they accepted with the pedal box and beat my renewal so all is good.
Result! :smiley:
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Phoned direct line and they accepted with the pedal box and beat my renewal so all is good.
That’s great news!
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Yeah thanks for the info Rebecca and everybody else who contributed.
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I was another who couldn't get Directline to insure me with the pedal box. I even had my wife and 3 kids with them on a 5 car multipolicy and thought leaving them might help with the persuasion but they wouldn't budge.
At first I thought they were looking at the wrong thing when I mentioned pedalbox as they were telling me it increased the power. So I gave them the specific web address of DTUK where I got the box from. 15 minutes later they got back to me and acknowledged it wasn't a power increase buit still refused to cover me.
Aged 49, 32 years driving, clean licence and no accidents and they wouldn't budge.
Even despite me telling them I knew several people from a car forum who had declared their pedalbox with them and were covered they refused. I felt they were actually quite arrogant about the whole thing, saying stuff like its now been noted you attempted to add this modification etc.
So I took the 5 cars to Admiral who were only too willing to cover the pedalbox which actually resulted in a decrease in premium after the initial quote plus they beat directline.
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I’m with NFU, it took a few days & calls to get them to understand what a pedal box was & wasn’t, but they then covered it without additional premium - that was 3 yrs ago and i have renewed without cost or hassle.
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Hmm, I have had my last two cars with pedal box insured with Churchill. Just changing car again and they say they now can't insure the new car with the pedal box.
I think it probably just depends who they get through to at the underwriter.
Grumpy I now have to cancel my existing policy mid term and then phone around to find a new one.
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Hmm, I have had my last two cars with pedal box insured with Churchill. Just changing car again and they say they now can't insure the new car with the pedal box.
I think it probably just depends who they get through to at the underwriter.
Grumpy I now have to cancel my existing policy mid term and then phone around to find a new one.
I'm facing this issue now, DL insured mine with the pedalbox no problem but they are seriously taking the pi$$ with this year's renewal, 4 years ago I paid £300 with them but this year they are asking £630. My mate the meerkat says More Than will do it for sub £400. As much as I love the pedalbox, for £230 it'll have to come off if necessary :cry:, I'll miss it. Will probably also have to remove my Racingline turbo elbow and inlet pipe :sad:
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Ye tell your insurance company about your pedal boxes ?????? :rolleyes: :rolleyes:
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Ye tell your insurance company about your pedal boxes ?????? :rolleyes: :rolleyes:
Why wouldn't you? Whilst it's not something that gives more power, I have absolutely no doubt that if the insurance assessor clocked it whilst looking the car over, he'd have it noted as an "undisclosed modification" which I'm sure they'd try to use as a way of getting out of paying any claim.
Whilst it doesn't add any more power, it could be seen as something that does make the car faster due to a quicker throttle response, therefore they would maybe either increase the premium or (if they won't insure modifications etc.) not quote for it. It's not just about the insurability of the car, it's about the perceived risk of the driver - if you want to make the car feel faster, they might assume that you're the sort of driver who drives faster?
Either way, I wouldn't give them any excuse whatsoever to attempt to wriggle out of a claim. In the eyes of the law, without declaring it, you're simply driving round without insurance.
Whilst (many years ago) I've had undeclared cosmetic mods on cars (through ignorance of the way insurers work) I wouldn't miss out anything nowadays - simply not worth the risk.
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Ye tell your insurance company about your pedal boxes ?????? :rolleyes: :rolleyes:
Why wouldn't you? Whilst it's not something that gives more power, I have absolutely no doubt that if the insurance assessor clocked it whilst looking the car over, he'd have it noted as an "undisclosed modification" which I'm sure they'd try to use as a way of getting out of paying any claim.
Whilst it doesn't add any more power, it could be seen as something that does make the car faster due to a quicker throttle response, therefore they would maybe either increase the premium or (if they won't insure modifications etc.) not quote for it. It's not just about the insurability of the car, it's about the perceived risk of the driver - if you want to make the car feel faster, they might assume that you're the sort of driver who drives faster?
Either way, I wouldn't give them any excuse whatsoever to attempt to wriggle out of a claim. In the eyes of the law, without declaring it, you're simply driving round without insurance.
Whilst (many years ago) I've had undeclared cosmetic mods on cars (through ignorance of the way insurers work) I wouldn't miss out anything nowadays - simply not worth the risk.
100% agree with this.
Also bear in mind that anyone not declaring mods is technically committing insurance fraud, which is a criminal offence. This type of information tends to be shared by insurers, so an insurance fraud conviction could affect ability to get insurance in the future, and the level of premium charged.
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Agree with the above. Anyway, just had a really good quote from A-Plan with all mods covered including my precious pedalbox, £160 less than DL and a lower excess. The insurer is very mod-friendly (and by that I don't mean they have a copy of Quadrophenia) so I may look at a few other treats for my car :smiley:
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Well I personally disagree 100%. Maybe in the UK that’s how things work but I like to think in Ireland they aren’t so sinister trying to catch you out. Through no fault of my own I have had to use my insurance on my GTi. Mapped and pedal box. This was never disclosed to the insurance company and was never an issue for either claims. (Though the map and pedal box was noticed both times) each to their own tho. I just see it as been a massive waste of money for already excessive premiums :smiley:
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Well I personally disagree 100%. Maybe in the UK that’s how things work but I like to think in Ireland they aren’t so sinister trying to catch you out. Through no fault of my own I have had to use my insurance on my GTi. Mapped and pedal box. This was never disclosed to the insurance company and was never an issue for either claims. (Though the map and pedal box was noticed both times) each to their own tho. I just see it as been a massive waste of money for already excessive premiums :smiley:
Perhaps things are different there but when I get a quote I'm told to declare all modifications as failure to do so could invalidate the policy. In practise your scenario could be what happens however it's a gamble and one that could come back to bite right when you need your insurance.
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Well I personally disagree 100%. Maybe in the UK that’s how things work but I like to think in Ireland they aren’t so sinister trying to catch you out. Through no fault of my own I have had to use my insurance on my GTi. Mapped and pedal box. This was never disclosed to the insurance company and was never an issue for either claims. (Though the map and pedal box was noticed both times) each to their own tho. I just see it as been a massive waste of money for already excessive premiums :smiley:
FWIW, Brentacre and probably other companies only charge for mods that increase the engine power. You declare everything, but if it's just cosmetic, then they just go "yeah, ok" and add it to the policy. You might wonder what the point is - it is so they can correctly restore your car if you make a claim.
E.g. If you have aftermarket alloys, some companies will give you stock alloys back if you are in an accident and they get ruined. Brentacre, if you've declared them, will replace your aftermarket wheels like-for-like
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I think much like warranty claims its got to relevant to the case.
You have tinted the rear windows and you are claiming for someone hitting you in a car park... not relevant.
You have fitted a bigger turbo and ended up stuffed through a hedge.... maybe relevant.
I did read of someone who had their claim rejected (accident damage) for having modified their car... by installing an aftermarket stereo. The insurance ombudsman over ruled the insurance company in that claim.
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Well I personally disagree 100%. Maybe in the UK that’s how things work but I like to think in Ireland they aren’t so sinister trying to catch you out. Through no fault of my own I have had to use my insurance on my GTi. Mapped and pedal box. This was never disclosed to the insurance company and was never an issue for either claims. (Though the map and pedal box was noticed both times) each to their own tho. I just see it as been a massive waste of money for already excessive premiums :smiley:
You had a claim in Ireland and they noticed your map? How did that happen? That's really interesting, I hadn't heard of insurance companies scanning ECUs for maps in the case of a claim.
Very interested in hearing the story behind this as I'm also in Ireland. Feel free to PM if you'd rather not post more details publicly.
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You had a claim in Ireland and they noticed your map? How did that happen? That's really interesting, I hadn't heard of insurance companies scanning ECUs for maps in the case of a claim.
Very interested in hearing the story behind this as I'm also in Ireland. Feel free to PM if you'd rather not post more details publicly.
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Hi there. No problem with sharing with all. When the car went into the nearest VW garage for assessment they noticed the map and the pedal box and informed me they would have to disclose this to the insurance company. (AVIVA). The insurance couldn’t have cared less. Note that I have never used that particular VW main dealer before for service etc.