Land Rover Modifications Insurance Renewal

[WorcsWuss]

I wouldn't class any of that as a 'modification'... they're bolt on accessories, and I would contact the insurers and tell them as such. All the things I can see could have been fitted when new by Land Rover in theory, so would that have made it a modified vehicle when new? No, it would just have been 'accessorised'.

Modifications as I understand it are performance enhancing alterations to the engine or driveline, upgrades to on board systems, changes to suspension, steering and brakes, where original parts which are needed to make a car go are replaced with non OEM aftermarket alternatives.

Spotlights, nudge bars, tyres etc are all just 'accessoriess', they serve no purpose to 'improve performance'. If you can take it off and the car still works, passes an MOT etc, or it's something which wears out and is regularly replaced without any changes to the vehicle being necessary, I'd argue that's not a mod.

Phone them up and ask them for the guidelines on determining what constitutes a modification so that you can give them an accurate list..... If they can't then it's fairly obvious you're just getting fleeced...

[Mozza]

A winch is classed as a mod as it has the potential to put the vehicle in danger (in the insurers eyes) ie some muppet pulling a tree over onto his Landy.

[treequip]

I wouldn't class any of that as a 'modification'... they're bolt on accessories, and I would contact the insurers and tell them as such. All the things I can see could have been fitted when new by Land Rover in theory, so would that have made it a modified vehicle when new? No, it would just have been 'accessorised'.

Modifications as I understand it are performance enhancing alterations to the engine or driveline, upgrades to on board systems, changes to suspension, steering and brakes, where original parts which are needed to make a car go are replaced with non OEM aftermarket alternatives.

Spotlights, nudge bars, tyres etc are all just 'accessoriess', they serve no purpose to 'improve performance'. If you can take it off and the car still works, passes an MOT etc, or it's something which wears out and is regularly replaced without any changes to the vehicle being necessary, I'd argue that's not a mod.

Phone them up and ask them for the guidelines on determining what constitutes a modification so that you can give them an accurate list..... If they can't then it's fairly obvious you're just getting fleeced...

 

 

You can argue all you like if they call it a mod than it is a mod, they are the ones providing the insurance, if you don't play by their rules they don't let you play.

[arbogrunt]

I had a similar drama with my disco commercial, my existing insurer said they wouldn't touch it and I got some stupid quotes from a few other companies. I ended up with Adrian Flux and got a reasonable quote from them.

All for the sake of a winch, a 2" lift, bashplate etc

[Rich2484]

On a slight derail. The arb I work with had his truck hit, his wife was using it. It wasn't her fault as a merc skidded into her and left a figure 11 about 50 yards long. Took out the front drivers side bumbler and wing, damage is minimal as it was a hilux.

 

The insurers are saying its knock for knock as it was country lane, I thought knock for knock was thrown out a while ago as unfair for policy holders.

 

So what does he get, do the provider pay for the damage to his truck or have I got to fix it again?

 

I know nothing about this, he is third party fire and theft aswell.

[WorcsWuss]

On a slight derail. The arb I work with had his truck hit, his wife was using it. It wasn't her fault as a merc skidded into her and left a figure 11 about 50 yards long. Took out the front drivers side bumbler and wing, damage is minimal as it was a hilux.

 

The insurers are saying its knock for knock as it was country lane, I thought knock for knock was thrown out a while ago as unfair for policy holders.

 

So what does he get, do the provider pay for the damage to his truck or have I got to fix it again?

 

I know nothing about this, he is third party fire and theft aswell.

 

A solicitor hit my mother in our lane years ago and claimed 'knock for knock'. She told him where he could stick it as she was pulled in and not moving at the time. See you in court he said. So she did, by herself, and wiped the floor with the snot nosed little oik.... [You don't go up against my fearsome mother mind you....!]

I'd argue the toss if I was you....

 

But then you might be starting to get the picture that I have a problem with authority or people trying to take money off me and will argue with anyone.....

[liamjordan]

im not bothered if they are or arent mods, i know i've got to pay what i have to pay and i would rather pay abit more to have the "mods" covered, so say if i do have an acciedent with the winch and all that on i am still insured because the insurance knows about them,

 

i just dont get how they can make up a figure to add to my premium and in the same letter ask me to detail exactly what modifications have been made that are not factory standard, i cant see how they can make up a price before they know exactly what has been altered

[felixthelogchopper]

On a slight derail. The arb I work with had his truck hit, his wife was using it. It wasn't her fault as a merc skidded into her and left a figure 11 about 50 yards long. Took out the front drivers side bumbler and wing, damage is minimal as it was a hilux.

 

The insurers are saying its knock for knock as it was country lane, I thought knock for knock was thrown out a while ago as unfair for policy holders.

 

So what does he get, do the provider pay for the damage to his truck or have I got to fix it again?

 

I know nothing about this, he is third party fire and theft aswell.

 

Assuming he has legal cover on his policy, he should tell the insurance company that they will be sorting his claim out one way or another. Get some photos of the skid marks pronto to help support his side of the story. It's a simple negligence case (Nettleship v Weston) and the level of proof required is based on the balance of probabilities rather than absolute proof. Hope he gets it sorted out ok.

[spudulike]

In my day, modified cars were insured with Adrian Flux - Classic Car Insurance & Specialist Car Insurance | Adrian Flux

 

They insure classic and non standard cars, got no idea if they are competative but they have been going for ever and should have a good idea about landies!

 

I have no affiliation with them and haven't used their services, just have a keen interest in modded cars and bikes:thumbup:

[rovers90]

I wouldn't class any of that as a 'modification'... they're bolt on accessories, and I would contact the insurers and tell them as such. All the things I can see could have been fitted when new by Land Rover in theory, so would that have made it a modified vehicle when new? No, it would just have been 'accessorised'.

Modifications as I understand it are performance enhancing alterations to the engine or driveline, upgrades to on board systems, changes to suspension, steering and brakes, where original parts which are needed to make a car go are replaced with non OEM aftermarket alternatives.

Spotlights, nudge bars, tyres etc are all just 'accessoriess', they serve no purpose to 'improve performance'. If you can take it off and the car still works, passes an MOT etc, or it's something which wears out and is regularly replaced without any changes to the vehicle being necessary, I'd argue that's not a mod.

Phone them up and ask them for the guidelines on determining what constitutes a modification so that you can give them an accurate list..... If they can't then it's fairly obvious you're just getting fleeced...

 

I think the way insurance companies look at it is have you added anything to the vehicle to change it any way shape or form from a bog standard vehicle. I am sure if you had a winch stolen and had your claim refused because you had not informed the insurers you would not be very happy.