MK5 Golf GTI
General => Random Chat => Topic started by: QD MBE on July 12, 2011, 06:36:47 am
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Have a read, and besides people getting the hump about badges, read the posts of the chap who fitted a TTRS grill to his TTC, fitting required some modification to the crash bar etc.
Post a claim, his insurance Co are refusing to pay out. Some of the post to get the jist.
Posted by msnttf10.
Behind the grill is a plastic "strip/bar" that sits in front of some foam like padding.
To get the grill on you have to cut this out. its basically where the number plate is - dead center of the bumper.
Because I've altered this, they are claiming the structure of the bumper has been changed and this has resulted in greater damaged to the car during the frontal impact as the bumper has not done its job.
If i stand back and try to be objective, i can see what they mean (but given im not an engineer and without having two cars side by side for a crash test, i can't really argue either way). We've been at dead lock now for weeks. But given they've withdrawn my cover I'm really screwed. If i pay for the repairs myself, I've still got the problem of declaring I've had cover withdrawn for not declaring everything previously. Only about 2 companies are now even quoting me, and its gone up from £400, to £1800 as a result. I'm going to have to get the car repaired so i can sell and get some money out of it and then im going back into the company car scheme. Question is can i get them to at least get either my cover back, or a contribution to the costs if not the full 100%. That's the part that winds me up the most, i've paid for cover, they've withdrawn it, but dont see fit to return the money i paid for it- they simply point to the T&Cs and i have to forfeit the premium.
Like i said, upon reflection i would have gone with a black styling one had i considered it a little more and tbh, you cant really tell the dfference from 3Meters away. Big lesson learned for me.
http://tt-forum.com/forum/viewtopic.php?f=19&t=222277 (http://tt-forum.com/forum/viewtopic.php?f=19&t=222277)
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Sounds very nasty.
Do we know who the insurer was?
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Yikes!! Nasteeee!
You're so right, QD - Declare absolutely everything. I've just realised that I haven't declared removal of my front number plate holder (I didn't replace it after it fell off in Wolverhampton). A call to Greenlight is in order. They have an A4 list of my mods attached to my policy.
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Does changing wheels from Monza's to pescaras count as a mod?
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Agreed.
It would be nice to know who the Insurance Company is.
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Does changing wheels from Monza's to pescaras count as a mod?
Yes.
In my opinion everything needs to be declared, don't give them a reason to back out of a claim.
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Does changing wheels from Monza's to pescaras count as a mod?
Yes.
In my opinion everything needs to be declared, don't give them a reason to back out of a claim.
Yeap fair point! :happy2:
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For all those edition owners that have put an Edition 30 badge under the GTI badge, this will have some effect in a frontal impact so make sure you declare... lol
It is crazy but declare everything!
Saying that would declare change of tyres from OEM spec? would you declare LED number light bulbs? Would you declare de-badging?
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Everything (with the exception of a remap) I've done has never cost me a single penny to declare. You'd be an idiot not to, it takes 2 minutes to fire an email off listing everything.
It's like having a kick me sign on your back, and then complaining when you get booted in the ass.
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The problem comes when you buy a car down the line and your unaware of some 'mods' - does seem a little OTT having to declare everything like number plate holders but I fully see why, just a shame its like this now
I have some bird poo on one of the side windows
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The problem comes when you buy a car down the line and your unaware of some 'mods'
Yeah, I think there was a story recently where a girl had a claim refused because the panel filter wasn't standard. That's just ridiculous - I'd never think to question something like that, and I'm sure 99.9% off people would be the same.
I've got a black front badge - best call and let them know!
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Hmmmm - this thread has really got me thinking.
Am due to have my front disks and pads replaced next week and have decided to go for EBC disks and Red Stuff pads, rather than OEM items. Presumably I should make my insurance provider aware of this change, yes?? :confused:
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sh*t I didn't declare a thing as I was scared it would send my policy sky high!! What sort of extra money have been added to peoples prices?
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You need to view your insurance in the right way.
Some people seem to think they're all a bunch of b******s who you're forced to give your money to, and any means of cheating, lying and chancing your arm to get a few quid off your premium is fair game. This will ultimately bite you hard.
I'm a customer buying a service, I speak to my broker Greenlight like an adult and discuss things with them. If we both understand what is expected of each other, there's no surprises.
I have never had my premium increased for anything I've added/changed, except power... and even that was only about £50.
Another thing to remember. Anything you write on a forum is evidence, so all your build threads/sigs/posts about X, Y & Z are all there for insurance companies and the Police to see. If they can find any way not to pay you, they'll look for it...
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I've heard about insurance companies doing this, giving forum discount in a way of finding out what you have !
I heard some terrible stories about silly things stopping insurance paying out but these do really sound like lame excuses, problem is you dont find out until your at the wrong end of the line how picky they can be.
now did I tell them I had heated seats ... i told them winter pack but I didnt specifically say the seats were heated :P
Sometimes they wont increase your premium just sting you for a 'admin' fee to update the policy @ £20 - £40 a throw.
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You need to view your insurance in the right way.
Some people seem to think they're all a bunch of b******s who you're forced to give your money to, and any means of cheating, lying and chancing your arm to get a few quid off your premium is fair game. This will ultimately bite you hard.
I'm a customer buying a service, I speak to my broker Greenlight like an adult and discuss things with them. If we both understand what is expected of each other, there's no surprises.
....Hear! Hear! :congrats: :congrats: :congrats: :congrats:
I couldn't agree more. I also insure with Greenlight and feel we are on the same side and not adversaries.
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Does changing wheels from Monza's to pescaras count as a mod?
....Both my Monza'a and OZ alloys are listed on my Greenlight policy's list of mods insured like-for-like and it doesn't matter which I'm riding on. I'm told I don't need to inform them of my tyres.
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IMO Tyres would be really silly
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Does this apply to optional extras on the car at the time of purchase, ie sat nav, winter pack, bodykit etc..??
My father in law has a Leon FR, with the BTCC kit on, upgraded alloys etc... and he declares all of it as modifications, most standard companies have increased his premiums, however this year i introduced him to greenlight/brentacre etc...
Always better to safe than sorry, would you not declare a diamond ring or expensive watch on the house insurance just to get it cheaper? :happy2:
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Does changing wheels from Monza's to pescaras count as a mod?
I would argue that because they are a VW part and could of been fitted to the car prior to you purchasing, so you could plead ignorant in that example.
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Everything (with the exception of a remap) I've done has never cost me a single penny to declare. You'd be an idiot not to, it takes 2 minutes to fire an email off listing everything.
It's like having a kick me sign on your back, and then complaining when you get booted in the ass.
With Greenlight, Revo stage one from stock (ED30).. Policy adjustment ZERO.... Well happy.. :drinking:
Also insurance halved for REVO anti theft fitted... Double Happiness.
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Also insurance halved for REVO anti theft fitted... Double Happiness.
explain? you mean using the SPS ?
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Yep... Spoke to Greenlight,he explained if I had a tracker it would be cheaper.I said I have SPS anti theft wotsit..He looked online,said that was ok and immediately halved my insurance.
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Yep... Spoke to Greenlight,he explained if I had a tracker it would be cheaper.I said I have SPS anti theft wotsit..He looked online,said that was ok and immediately halved my insurance.
Really? Sounds like a good reason for a remap :pomppomp:
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Yep... Spoke to Greenlight,he explained if I had a tracker it would be cheaper.I said I have SPS anti theft wotsit..He looked online,said that was ok and immediately halved my insurance.
Isnt that a PITA to have to carry that SPS around with you all the time?
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Wish greenlight would quote BD postcodes :fighting:
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Yep... Spoke to Greenlight,he explained if I had a tracker it would be cheaper.I said I have SPS anti theft wotsit..He looked online,said that was ok and immediately halved my insurance.
Isnt that a PITA to have to carry that SPS around with you all the time?
Some maps don't require additional hardware to immobilise. :wink:
Wish greenlight would quote BD postcodes :fighting:
Or Skodas. :sad1:
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Yep... Spoke to Greenlight,he explained if I had a tracker it would be cheaper.I said I have SPS anti theft wotsit..He looked online,said that was ok and immediately halved my insurance.
Isnt that a PITA to have to carry that SPS around with you all the time?
Some maps don't require additional hardware to immobilise. :wink:
Wish greenlight would quote BD postcodes :fighting:
Or Skodas. :sad1:
I am still waiting to hear back if an R32 front brake kit would suffice for them to insure. At the moment I'm happy though with Adrian Flux so am in no rush to jump ship.
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IMO Tyres would be really silly
Tyres will be checked in the event of a claim , so ensure your tyres meet the required standard rating and specification when replacing them. It is also an indication of how the car has been looked after if there are cheap/budget tyres on a car.
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The best thing I can say about insurance is - ask.
I recently needed something a little 'off piste', shall we say - and whilst I'm not going to go into detail, suffice to say computer said no.
I spoke to Tony at Greenlight, put my case forward with a detailed email and he took it to the underwriters with his support due to me being a long term customer with excellent history. Computer no longer said no, I got what I wanted, he got to keep a happy and loyal customer.
I'm not going to pretend they're suddenly all up for taking on more risk if you just ask, but some cases are borderline and with a bit of discussion can be sorted.
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Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:
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Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:
Better that you pay £145 now than be told your £xxxx car isn't covered in the unfortunate event of an accident.
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Yeah totally realised that, which is why I always call them before planning to fit anything...
Just shocked that "others" had no adjustment to the premium... might have to look into this anti theft device though...
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I think it depends on circumstances as well.
For example some of those who haven't had any changes to premium may have always had high performance cars or cars which have been modified. I have had modified car insurance with Adrian Flux now for nearly 5 years so they know me and my driving record etc. I also have a clean licence and live in a low risk area.
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Does a Prince Albert class as a modification? :smiley:
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Does a Prince Albert class as a modification? :smiley:
:grin: :grin: :grin:
I just nearly spat my drink all over my laptop :congrats:
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Sky charged me another £120 +£25 admin fee for my Revo Stage 1 map... Not happy! :fighting2:
??? I went to stage 1 last year and it was £50.
What did you tell them your bhp increase was? Remember it's nowhere near what revo say it will be.
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I've heard of a ridiculous situation where someone had stuck a sticker on the outside of their car. Because it had been modified from factory spec, they didn't pay out.
Things like heated seats etc - if they were optional extras that were fitted at the factory, they don't need to be declared. If they were dealer fitted or otherwise, then they need to be declared.
You don't want to be in a situation where an insurer won't may out, leaving you with a damaged, unroadworthy car, the other party's damaged vehicle and their medical and legal costs. You could easily become bankrupt and lose everything. All because you wanted to save a few bob.
Has anyone ever taken pics of their mods to show their insurers (as proof)? I'm now tempted to do that just so there's no doubt as to what's fitted to the car.
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Does a Prince Albert class as a modification? :smiley:
I think they can lead to pretty serious boost leaks.....
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this thread has got me thinking i need to update my modding list at greenlight.
they were very fair as i had all my current list ok'd by them before thepolicy commenced.
but ill fire off email with my new extras and a few poss additions by the end of year
good thread
matsu
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Insure mine with Brentacre and premium only increases if power goes over a set threshold (I think my limit is 350bhp). I give them the updated list of mods each year with no extra charges. :happy2:
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Does changing wheels from Monza's to pescaras count as a mod?
I would argue that because they are a VW part and could of been fitted to the car prior to you purchasing, so you could plead ignorant in that example.
....Why debate it at all? Declaring both wheel versions adds no more cost to your premium.
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I've heard of a ridiculous situation where someone had stuck a sticker on the outside of their car. Because it had been modified from factory spec, they didn't pay out.
....That does sound ridiculous at first but understandable if the said sticker was placed such that it illegally (MOT) interfered with the driver's visibility.
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Does changing wheels from Monza's to pescaras count as a mod?
I would argue that because they are a VW part and could of been fitted to the car prior to you purchasing, so you could plead ignorant in that example.
....Why debate it at all? Declaring both wheel versions adds no more cost to your premium.
Was only stating this robin, as the purchaser may not of known there are different versions for the GTi. Thats all :happy2:
Us Mad modify'rs know alot more about these cars then a non ethusiast.
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Things like heated seats etc - if they were optional extras that were fitted at the factory, they don't need to be declared. If they were dealer fitted or otherwise, then they need to be declared.
I've been asked to list factory fitted options in the past...
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Things like heated seats etc - if they were optional extras that were fitted at the factory, they don't need to be declared. If they were dealer fitted or otherwise, then they need to be declared.
I've been asked to list factory fitted options in the past...
....There's no harm in mentioning them. A good and sympathetic insurer like Greenlight will soon tell you whether you need specifically list or not. :happy2:
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Iv just got a very good quote from greenlight with all my mods! :happy2: