Insurance- adding throttle body or axle spacers ££..?? | Mk6 Fiesta ST General Discussion

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#278492 - 05/02/11 05:48 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: H47PER]
Dan_The_Man Site Supporter Registered: 20/10/08 Posts: 7389 Loc: Eaton Bray, Dunstable	thats the only two bits my insurance dont know about on my car, trying to explain that to india is gonna be impossible! _________________________ Red Escort 1.6LX Then - Red Escort 1.4 Then - Silver Fiesta ST 170BHP Then - White Fiesta ST MR200+ Now - Mitsubishi Evo IV Forged 2.3 500BHP and Mondeo Mk3 2.0TDCI
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#278493 - 07/02/11 02:00 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
jakeward46 Registered: 01/01/11 Posts: 258	Quote: I haven't told my insurance company about lowering and my K&N lol you havent told them about lowering or k&n, bit risky...? do you like to live life on the edge Admiral are trying to charge me 140 extra on my renewal next week for just Eibachs. I put on the quote i have Full miltek system and K&N as i think they are a must to declare and that was 100 extra for them both. not too bad at my age. But now deciding on springs Edited by jakeward46 (07/02/11 02:11 PM)
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#278494 - 07/02/11 02:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Dan_The_Man Site Supporter Registered: 20/10/08 Posts: 7389 Loc: Eaton Bray, Dunstable	mine has a K&N, exhaust/manifold and lowered 20-50mm cost £30 to add and im 22 _________________________ Red Escort 1.6LX Then - Red Escort 1.4 Then - Silver Fiesta ST 170BHP Then - White Fiesta ST MR200+ Now - Mitsubishi Evo IV Forged 2.3 500BHP and Mondeo Mk3 2.0TDCI
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#278495 - 07/02/11 02:38 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Dan_The_Man]
jakeward46 Registered: 01/01/11 Posts: 258	your with admiral too? maybe its different over the phone i may aswell just call them
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#278496 - 07/02/11 09:16 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Dan_The_Man Site Supporter Registered: 20/10/08 Posts: 7389 Loc: Eaton Bray, Dunstable	im with Elephant but the same company! i always do a standard car on an online quote! and then add the mods when you talk to them on the phone! if i put the mods into a confused.com search its always over 2k _________________________ Red Escort 1.6LX Then - Red Escort 1.4 Then - Silver Fiesta ST 170BHP Then - White Fiesta ST MR200+ Now - Mitsubishi Evo IV Forged 2.3 500BHP and Mondeo Mk3 2.0TDCI
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#278497 - 07/02/11 09:26 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Dan_The_Man]
Burn4 Site Supporter Registered: 25/05/10 Posts: 8576 Loc: Birmingham, England	Quote: you havent told them about lowering or k&n, bit risky...? do you like to live life on the edge To be fair how can they prove I knew they were there before? I could just say thats how the car was when i purchased it and i assumed that was what a standard ST looked like. Which "is the case here". 2 of my mates have claimed on their insurance in the past year and all the insurance company wanted to know was that they weren't ripping them off. They barely looked at the car, they didnt check any of their details (where they work etc) and they both had their payout _________________________ My ST Mods
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#278498 - 07/02/11 09:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Site Supporter Registered: 09/11/09 Posts: 8421 Loc: Wincanton, Somerset	Quote: To be fair how can they prove I knew they were there before? I could just say thats how the car was when i purchased it and i assumed that was what a standard ST looked like The insurance wont take ignorance as an excuse. The car is modified therefore your policy is invalid. You could get lucky and the car doesn't get scrutinised, or like in my case, they'll take a week examining the car to look for mods/reasons to not pay out. _________________________ Flickr
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#278499 - 07/02/11 09:33 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Burn4 Site Supporter Registered: 25/05/10 Posts: 8576 Loc: Birmingham, England	depends on the case I suppose. And also depends what has happened to the car yeah i guess they would say that but in fairness it probably has happened to some people so would be pretty unlucky! (take the guy who registered on here with a "Fully standard ST" now found out he has full miltek exhaust, k&n and 60mm throttle body etc etc) _________________________ My ST Mods
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#278500 - 07/02/11 09:34 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Site Supporter Registered: 09/11/09 Posts: 8421 Loc: Wincanton, Somerset	Yeah totally dependent on the case. Was only something to consider mate, especially when it's so cheap to declare stuff anyway... _________________________ Flickr
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#278501 - 07/02/11 09:36 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Burn4 Site Supporter Registered: 25/05/10 Posts: 8576 Loc: Birmingham, England	it is if you're with a company that allows you to mod the car lol I'm omitting certain truths in other areas so i'm willing to take the risk _________________________ My ST Mods
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#278502 - 07/02/11 09:47 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Site Supporter Registered: 09/11/09 Posts: 8421 Loc: Wincanton, Somerset	True, I dont know who you're insured with. Oh Fair play then _________________________ Flickr
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#278503 - 07/02/11 10:00 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Dan_The_Man Site Supporter Registered: 20/10/08 Posts: 7389 Loc: Eaton Bray, Dunstable	i had this with the repairer trying to screw me over! i wasnt happy with what he was going to do to my car! i had a phone call from my insurance company telling me i had illegally modded my car... the garage had told them my car had an exhaust system and was lowered over 60mm (they say over 60mm's as they lined it up next to a standard fiesta and it was that much lower, stupid people not knowing the ST is lower to start with) that was over a bumper scrape! the insurance new about all the mods already though! they were just questioning how low the car was... which trying to explain to a women who noes nothing about cars that it only has different springs so cant physically be that low was a very difficult task! the only reason the garage tried that was that when they saw the paperwork it said standard car as they must have got the original policy from when it was standard and i had added the bits later! Edited by Dan_The_Man (07/02/11 10:02 PM) _________________________ Red Escort 1.6LX Then - Red Escort 1.4 Then - Silver Fiesta ST 170BHP Then - White Fiesta ST MR200+ Now - Mitsubishi Evo IV Forged 2.3 500BHP and Mondeo Mk3 2.0TDCI
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