GolfGTIforum.co.uk
General => General discussion => Topic started by: Cupra Turbo on 07 April 2004, 18:30
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Just been checking my insurance policy online and if I click "yes add modifications" to the policy... HEADLAMPS are not a modification cos their not listed...
Now, I wanna add the Hella quad smoked headlight conversion to my mk3 in June/July time... so I wanna make sure about the insurance before hand... so I got bored today and did it.
Now, it lists these as mods... does "headlights" come under these? if not... im guessing I just leave it, as its an online policy!
Transmission changes
Turbocharging
Valence - rear
Wheel arches
Alloy wheels (optional extra)
Blueprinting
Low pressure gas
Windows - Front Darkened > 30%
Bonnet bulge/grill
Brakes - uprated
Bull bars Bodykit (non standard)
Windows - Tinted < 30%
Engine chip 00-10% inc BHP
Engine chip 11-25% inc BHP
Engine chip 26%+ inc BHP
Bodykit (optional extra)
Dual controls
Engine - bored out
Engine - non standard
Engine - other alterations
Engine - standard replacement
Exhaust/manifold-non standard
Exterior decorative changes
Filters (non standard)
Alloy wheels (non standard)
Interior changes
Body coloured bumpers
Rally/spot lights
Respray (different colour)
Roll cage/Roll Bars
Side skirts/sills
Spoiler - rear
Windows - Rear Darkened > 30%
Spoiler/airdam - front
Modification due to disability
Supercharging
Suspension lowered (<5cm)
Suspension lowered (5-12.5cm)
Suspension other (not lowered)
Anyone?
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sounds like gestapo insurance ltd.
manufacturers optional extras as modifications!!!
replacing engine like for like a modification???
does cigarette ash in the ash tray list as a modification?
probably best to phone insurance company and check as they seem very extreme to me
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manufacturers optional extras as modifications!!!
doesnt mean it increases ya premium ... they'll probably replace the "mod" if u crash instead of putting the normal bit back on.
If u didnt tell them, they wouldnt replace it, they'd just give u the regular part back.
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just seems excessive to me my partner has a bmw and the optional extras list fills a page, also how would you know if it was an optional extra unless you have the original sales brocures.
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cos its usually obvious
SAT NAV for instance is an obvious option on a 1.4E Golf.
Alloys are an obvious option on a 1.1 Metro.
im sure the owners manual lists whats standard ... therefore u can see whats not standard.
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yeah on them its obvious but a 740i with a nasa control dash board it may be harder to tell
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Nasa control??? wtf? does it do moon landing? lol
anywayz... it aint listed online so I aint saying owt .. ill just say "ur an online company, my policy is online and u dont have headlights listed as a mod" if i crash or sum1 crashes into me...
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"Exterior decorative changes "
it'd come under that black_gti ;)
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Hey black ei
YTour with elephant same as mine. You have to send them an email and inform them that you are changing your headlamsp. They will charge about 50? on top of your premium and if they get written off nicked wtahever you get nothing back.
Yay cheap online insurance
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?50? plus admin? ... bleh... tho its cheaper than the 57i induction kit...
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I would phone them up if at all possible.
Sounds like if you dont have the correct air in the tyres you'll have to pay for that as well.
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I phoned up about my air filter cos my policy had just been activated and I couldnt alter it online at the time ... and the people I spoke to were Indian and I didnt have a clue what they were saying and it took AGES to get the mod added to the policy lol
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I was on the phone for like 10 mins listing all my mods >:(
at least they're all covered now. :)
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Last car i had, had a K&N Filter and a cat back ss exhaust.
I insured it with elephant, declared the mods later and they charged me and extra ?11. ?6 of that was admin for doing it on the phone! I also removed my imobiliser after it went wrong, i told them it now didn't have one and they charged me just the ?6 admin fee for changing the policy details.
So in my experience elephant are good for mods.
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Yeah... Admiral ( which is the same as Elephant ) are ok for mods. Got mine insured for about ?640 fully comp for 12 months - including lowering and new alloys. :)
Phone up during the day in the week if poss, 'coz in my experience they use an Indian call centre at weekends / evenings.
Rich
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Depends on ya age to tho .. cost me ?80-ish to add my K&N to my policy plus admin fees.