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redhandluke



Member Since: 02 Jun 2013
Location: Northern Ireland
Posts: 243
United Kingdom 2003 Defender 90 Td5 SW Fuji White
What happens when you remove all stickers? Sad
Post #395468 3rd Feb 2015 2:57pm
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JWL



Member Since: 26 Oct 2011
Location: Hereford
Posts: 3443
England 2002 Defender 110 Td5 SW Coniston Green
All the panels fall off.
Post #395470 3rd Feb 2015 3:08pm
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TooTall



Member Since: 10 Jul 2012
Location: Fens
Posts: 504
United Kingdom 2004 Defender 90 Td5 HT Tonga Green
Unfortunately the OP is quite correct, this was posted on a watch forum on the 1/2/15 Shocked
TT

"An insurance company has threatened to void the policy of a Christian minister because she put religious stickers on her car.

Rev Wena Parry, 75, was told that stickers saying "Christ Must Be Saviour" and "Christ For Me" could be regarded as "modifications" and could invalidate her insurance policy."

http://www.bbc.co.uk/news/uk-wales-south-w...4998[/url] "Ease your worries, Clear-up your woes,
Go into your garage & put stuff into rows."
Post #395478 3rd Feb 2015 3:46pm
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keith



Member Since: 15 Aug 2012
Location: Edinburgh
Posts: 2212
Scotland 
There goes all the G4 owners then ..
The G stands for GOD . Rolling with laughter
Post #395482 3rd Feb 2015 4:07pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 344
United Kingdom 
Good Afternoon

We have received several requests for clarification surrounding what needs to be disclosed when discussing modifications.

As an independent insurance broker, we have over 40 insurers on our panel covering a variety of policy types. Most of our insurers have specific contracts to target certain sectors of the market where their experience and knowledge is best suited to give the right level of cover for our clients – with several insurers specifically targeting modified vehicles.

There is no universally accepted definition of what constitutes a modification, therefore it is advisable to give as much information to ensure you are correctly insured.

At A-Plan we would request to be advised if a vehicle has been modified, altered or adapted, to encourage conversation surrounding potential exposure and in almost all cases stickers and decals do not have an adverse impact on the premium.

This is our interpretation and therefore not an industry wide statement, however if club/forum members have any doubt as to whether they are correctly covered with their existing insurer please do contact us on 01635 874646 and we will be happy to assist.

Thanks

Clare Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation
Post #395486 3rd Feb 2015 4:26pm
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ericvv



Member Since: 02 Jun 2011
Location: Near the Jet d'Eau
Posts: 5816
Switzerland 2009 Defender 110 Puma 2.4 SVX Station Wagon Santorini Black
So all those with a Defender2.net sticker on their truck better urgently call their insurance company without delay. Rolling Eyes Shocked You never actually own a Defender. You merely look after it for the next generation.
http://youtu.be/yVRlSsJwD0o
https://youtu.be/vmPr3oTHndg
https://www.youtube.com/watch?v=_GtzTT9Pdl0
https://www.youtube.com/watch?v=ABqKPz28e6A
https://www.youtube.com/watch?v=rLZ49Jce_n0
https://www.youtube.com/watch?v=XvAsz_ilQYU
https://www.youtube.com/watch?v=K8tMHiX9lSw
https://m.youtube.com/watch?v=dxwjPuHIV7I
https://vimeo.com/201482507
https://www.youtube.com/watch?v=ZSixqL0iyHw
Post #395488 3rd Feb 2015 4:36pm
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keith



Member Since: 15 Aug 2012
Location: Edinburgh
Posts: 2212
Scotland 
What that means is .. If you have stickers on your car that you haven't mentioned , then we will have a reason to decline your claim . Sad Mad
Post #395489 3rd Feb 2015 4:37pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 344
United Kingdom 
Most of my insurers wouldn't mind if vehicles have stickers and decals on them, however I am not the whole insurance industry, and as this case proves not all insurers have the same views on what should and shouldn't be declared.

It means anybody insured with A-Plan is perfectly fine with a Defender2.net sticker Thumbs Up Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation
Post #395491 3rd Feb 2015 5:06pm
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Venomator



Member Since: 25 Aug 2014
Location: Peterborough
Posts: 2087
United Kingdom 
A-Plan Insurance wrote:
There is no universally accepted definition of what constitutes a modification, therefore it is advisable to give as much information to ensure you are correctly insured.

At A-Plan we would request to be advised if a vehicle has been modified, altered or adapted, to encourage conversation surrounding potential exposure and in almost all cases stickers and decals do not have an adverse impact on the premium.

Clare
Thank you for taking the time to try and clarify this point Clare... Thumbs Up

However, I fail to see under what circumstances a sticker can qualify any vehicle as having been modified, altered or adapted in circumstances that would affect its performance or otherwise affect it for insurance purposes!

Isn't it just a case of the motor insurance industry taking the pee out of it's captive audience - the unsuspecting motorist?

It is utterly preposterous and simply would not stand up to any close scrutiny by anyone of sane mind... Shocked Rog... Mr. Green
The GREEN One...

MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color]
Post #395492 3rd Feb 2015 5:08pm
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JWL



Member Since: 26 Oct 2011
Location: Hereford
Posts: 3443
England 2002 Defender 110 Td5 SW Coniston Green
It would be a joke if my NFU sticker is weighted in the premium stakes by my insurer..........the NFU Whistle
Post #395494 3rd Feb 2015 5:09pm
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lambert.the.farmer



Member Since: 11 Apr 2012
Location: harrogate
Posts: 2006
England 1998 Defender 90 300 Tdi PU Rutland Red
I think if I ever have a claim rejected for such a spurious reason I will be taking the insurance company to court. Rhubarb and custard let fly with their secret weapon.
Post #395503 3rd Feb 2015 5:36pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 17382
United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey
I suspect that the real point is that if the windows are so plastered in stickers that visibility is compromised (and there are some round here like that) then you're trouble. Also if you had inflammatory or provocate stickers (eg about God etc) that may provoke someone into trashing your car, you may be in trouble.

I cannot see that a normal selection of inoffensive stickers would be a problem unless expressly prohibited in the small print.
Post #395515 3rd Feb 2015 6:03pm
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Venomator



Member Since: 25 Aug 2014
Location: Peterborough
Posts: 2087
United Kingdom 
^ ^ ^
@blackwolf - In both your examples I believe it would be a case for the law of the land, which insurers are not... Rolling Eyes

Although they are clearly acting as if they are... Evil or Very Mad  Rog... Mr. Green
The GREEN One...

MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color]
Post #395516 3rd Feb 2015 6:07pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 17382
United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey
Yes, would be illegal, but you'll also be uninsured.
Post #395518 3rd Feb 2015 6:09pm
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Venomator



Member Since: 25 Aug 2014
Location: Peterborough
Posts: 2087
United Kingdom 
^ ^ ^
Indeed, but lawbreakers of any kind are effectively un-insuring themselves anyway... Shocked

Whether it is speeding, no tax or drink driving, whatever, as soon as you break the law the insurers will drop you like a ton of bricks... Rolling Eyes  Rog... Mr. Green
The GREEN One...

MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color]
Post #395522 3rd Feb 2015 6:23pm
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