Realised I ought to declare the Mantec and ASFIR plates to my insurers, and they want to charge me an extra £120 for the year for these "modifications". I'm in the process of arguing the toss with the underwriters as the kit is hardly visible, makes no difference to performance and reduces the potential for damage. It looks like the call centre have just lumped it in with "external modifications" which covers everything from spoilers and splitters to custom paint jobs and hit me with a one-size-fits-all premium loading.
Hopefully I'll get a positive answer, but if I don't, has anyone else declared their underbody protection to their insurers and if so, what was the reaction?I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
11th Jun 2007 10:49 am
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
The plate will cause additional damage to whatever it hits... its harder than the plastic is replaces - its what it does. Thus repair bills to the other vehicle could be greater or perceived to be greater die the plate being there.
Also it would lead some to drive less carefully off road than those without the plate too... not all, but some.
I guess this is why they have loaded the premium for you.
11th Jun 2007 10:57 am
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
Pessimism has always been one of your great assets Simon Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
That had better not be their answer. 7 years NCD (5 years claim free in company cars before that) and a clean licence ought to tell them I'm not a risk taker. As long as they don't see some of the pics and vids on here
As for damage, I've pointed them at the G4 spec vehicles and asked them to consider the difference in premium between a G4 and a V8HSE as a starting point, then work backwards from there, reducing the loading for not having a rack, chimney or winch.I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
11th Jun 2007 11:11 am
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
SN wrote:
Pessimism has always been one of your great assets Simon
I know
I like to be surprised when things go right when I expect them to go wrong... oh that's a bit pessimistic too isn't it
My understanding from insurers is that you need to decalre accessories which are not OEM accessories. In other words, if you purchase a rear ladder and some seat covers then this is OK.
Now, I know the Mantec plate is not the same as the OEM winch version, but I'm damn sure I have better things to do than tell an insurance company aboout something they don't understand so thay can decide to load a premium anyway.
Next thing somebody will be suggesting is that a can of coke in my cubby fridge is a 'modification' as it wasn't suipplied with the car
Sometimes, I have found that it is possible to be 'too honest' in life. The older I get, the more I realise that people confuse wrinkles for wisdom
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Anybody here with an A-Bar or Spot Lamps that has declared them to their insurers?
Or bling chrome exhaust tipsThe older I get, the more I realise that people confuse wrinkles for wisdom
Founder member of Club FFRRV
Club Orange, Mint or Fruit
Club Walnut Sniffers
Yep sure did. Just in case they got upset over them, if I was in a front on collision. Also had them on My previous Pootrol & told the ensuringtheymakeaprofit company.Did you think I would leave you crying,
When there's room in my D3 for 7,
Climb in here Joe we'll soon be flying,
I can go just as fast with 7.
2005 TDV6 S with Terrain Response (& all that entails), Tasmods (gorn). 2008 TDV6 HSE (gone). A Dark Side umbrella (here) & car (here).
Actually, this is exactly what I was meaning - has anybody been loaded for a non performance enhancing accessory?The older I get, the more I realise that people confuse wrinkles for wisdom
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Club Orange, Mint or Fruit
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11th Jun 2007 12:05 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
As OEM approved accessories they shouldn't be an issue, should they.....
BTW - has anyone got contact details / website for LR Insurance - can't find any direct info on the LR web site Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
Member Since: 22 Mar 2006
Location: Club Tropicana (the drink's aren't free)
Posts: 869
when i first insured "the gimp" i told them about the winch all the underbody protection (which i haven't bought yet) and the snorkel, they tried to charge me £50 for the snorkel and had no opinion about the winch.i argued the point with NFU, two weeks later they sent me the docs with no extra charge,I'm Powered by........Diesel
Hallelujah, they have seen the light. Underwriters have agreed that as these and similar parts are fitted on factory models (G4), that they offer protection and make no difference to performance, no charge.
8)I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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- its what it does. Thus repair bills to the other vehicle could be greater or perceived to be greater die the plate being there.
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