Advertise on DISCO4.COM
Forum · Gallery · Wiki · Shop · Sponsors
DISCO4.COM > Finance, Insurance and Warranties

Disco 4 grille and insurance
Post Reply  Down to end
Page 1 of 1
1010
 


Member Since: 31 May 2018
Location: sheffield
Posts: 36

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3
Disco 4 grille and insurance

Hi all - just had a quote from the insurance company when I said I was putting a new grille on. Doubled in price !!!! - any advice from anyone on companies that are reasonable with modification ?
Thanks
  
Post #195314712th Jun 2018 1:50 pm
View user's profile Send private message View poster's gallery Reply with quote
Aerialmark
 


Member Since: 21 Jun 2015
Location: Burnley (Where the M65 is cobbled)
Posts: 5189

England 2005 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Don't tell them Thumbs Up
 The happiest of people don't necessarily have the best of everything;
They just make the best of everything they have. 
 
Post #195314912th Jun 2018 1:52 pm
View user's profile Send private message View poster's gallery Reply with quote
Madrilleno
 


Member Since: 13 Oct 2014
Location: Nottingham
Posts: 1742

England 2012 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

Adrian Flux. Didn't charge extra for grille, sliders, off road tyres, compressor & sump guard.
 There are two rules for success,
1. Never tell everything you know.



RLD Spare Wheel Protector
RLD Sump Guard
Narpy Style RRS Grille from Beanie
Discostick 3rd button FBH controller
IID BT
EGRs Blanked
Geoff Gearbox Flush
Prospeed sliders & compressor guard 
 
Post #195315512th Jun 2018 2:09 pm
View user's profile Send private message View poster's gallery Reply with quote
grzesiul
 


Member Since: 11 May 2008
Location: UK
Posts: 6265

Poland 2016 Discovery 4 3.0 SDV6 SE Auto Loire BlueDiscovery 4

A-plan Thumbs Up
  
Post #195315612th Jun 2018 2:13 pm
View user's profile Send private message View poster's gallery Reply with quote
A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 350

United Kingdom 

Happy to take a look for you 1010! Give us a call on 01635 874646

grzesiul - thank you!

Aerialmark - If you have an accident and the garage reports back to the insurers that there are modifications on the vehicle which they weren't aware of you could find yourself in a bit of a pickle!

Thanks
Carlie
 Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation 
 
Post #195410815th Jun 2018 9:34 am
View user's profile Send private message View poster's gallery Reply with quote
Parky63
 


Member Since: 10 Apr 2017
Location: Hampshire
Posts: 399

England 2006 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Carlie,
What happens if the mods were done before you bought the car and didn't realise they were mods? How many of us would know if an engine's been remapped before we bought it?

David
 2006 D3 HSE Buckingham Blue
Silicone Intercooler Pipe
MAP Sensor cleaned
N/S Drain Tube Elbow 
 
Post #195411215th Jun 2018 9:48 am
View user's profile Send private message View poster's gallery Reply with quote
Rnclayton
 


Member Since: 13 Apr 2018
Location: Radstock, Bath
Posts: 564

Wales 2006 Discovery 3 TDV6 HSE Auto Santorini BlackDiscovery 3

IMO the term modification is a very broad brush to paint with.

If I pranged my grille, and didn't want to claim, I would look to see what I could get on the Bay or Thieves. As long as it said it was a D4 grille (for me), and it was reasonably priced, I would get it. Further down the line, if I then had to claim for some front end damage, and it was declined because it wasn't the original grille, I would be well hacked off.

Whereas, upgrading a GS to a HSE spec would be a major modification, I would not expect it to be covered.
 MY07 Freelander2 SE Santorini Black - Gone
MY10 D4 XS Buckingham Blue
MY06 D3 HSE 
 
Post #195411415th Jun 2018 9:56 am
View user's profile Send private message View poster's gallery Reply with quote
A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 350

United Kingdom 

Most cars you would know as advertised with MODs etc, or with the BHP they are putting out (again, often advertised) - if it's 400bhp on a Fiesta then that's a bit of a giveaway.

Exterior MODs such as snorkels, spot lights, winches - all visible and likely non standard.

it is to the best of your knowledge, but it is your duty as the owner of the vehicle to know what you car is/has on it - the insurer would reserve the right to void a claim if not disclosed, if you have any concerns about a possible modification you can get it checked to make sure.

Thanks
Carlie
 Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation 
 
Post #195411715th Jun 2018 10:04 am
View user's profile Send private message View poster's gallery Reply with quote
Maxxed_Ross
 


Member Since: 13 Mar 2018
Location: Bathgate
Posts: 310

Scotland 2013 Discovery 4 3.0 TDV6 HSE Lux Auto Baltic BlueDiscovery 4

surely if it's a Land Rover genuine part then it's not a modification then? Confused
 2013 Discovery 4 HSE Lux | 2001 Defender 90 TD5 | 2007 Prodrive RB320  
Post #195434515th Jun 2018 9:53 pm
View user's profile Send private message View poster's gallery Reply with quote
A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 350

United Kingdom 

If it is fitted after-market then it's worth just mentioning it to insurers that even though it is a Land Rover part/ factory fitted option it was fitted after sale just to make sure you aren't withholding any information

Smile better to be safe in these instances

Carlie
 Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation 
 
Post #195488918th Jun 2018 7:47 am
View user's profile Send private message View poster's gallery Post Reply
Display posts from the last:  
Post Reply Back to top
Page 1 of 1
Jump to:  
Previous Topic | Next Topic >


Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



DISCO4.COM Copyright © 2004-2024 Futuranet Ltd & Martin Lewis
DISCO3.CO.UK RSS Feed - All Forums

DISCO4.COM is independent and not affiliated to Land Rover.
Switch to Mobile Site