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Arran73



Member Since: 25 Mar 2013
Location: Commugny, Switzerland
Posts: 133
United Kingdom 
LoveTheMud wrote:
Just a thought - I realised that I hadn't updated my insurance with Hastings to include my snorkel so I called them. Hastings don't cover snorkels so I have 7 days to get new insurance... Thought I'd let you know...

Any recommendations on insurance company?


Wow why would a snorkel have anything to do with your insurance. I left the UK befour I could drive so don't know much about UK insurance so exuse my ignorance.
Post #512473 9th Mar 2016 3:16pm
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couplands



Member Since: 31 Aug 2011
Location: Peak District & Cornwall
Posts: 1826
United Kingdom 2001 Defender 90 Td5 HT Oslo Blue
Most things add a "risk" factor to the vehicle/owner. Usually just because its different and the insurers cant determine what risk it might pose.

If in doubt declare all mods and see what the insurers say.

Luckily, I have insured my D90 with NFU for the last 14 years and they seem happy with my declarations, including a raised air intake/snorkel.

cheers

simon
Post #512475 9th Mar 2016 3:20pm
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LoveTheMud



Member Since: 19 Feb 2015
Location: Weybridge Surrey & Pontefract West Yorkshire
Posts: 411
United Kingdom 2014 Defender 90 Puma 2.2 XS CSW Santorini Black
Yeah they said it was high risk... Crazy really but I can see many people killing their cars as they wade in water because they have a snorkel, especially with all these floods in recent years, as an off road exclusion wouldn't have stopped it.
Post #512498 9th Mar 2016 4:18pm
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strang



Member Since: 16 May 2012
Location: Happy Valley
Posts: 1380
United Kingdom 2009 Defender 90 Puma 2.4 XS CSW Galway Green
Arran73 wrote:
[Wow why would a snorkel have anything to do with your insurance. I left the UK befour I could drive so don't know much about UK insurance so exuse my ignorance.


My insurance told me fitting a snorkel is an 'off road' modification, and therefore increased the premium! Euro-Leafing to infinity and beyond.....
Post #512545 9th Mar 2016 6:21pm
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couplands



Member Since: 31 Aug 2011
Location: Peak District & Cornwall
Posts: 1826
United Kingdom 2001 Defender 90 Td5 HT Oslo Blue
^^^ I had the same conversation with Aviva, they wouldn't insure my Defender because it could go "off-road"...no sh!t its a Land Rover...!

cheers

simon
Post #512552 9th Mar 2016 6:40pm
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LoveTheMud



Member Since: 19 Feb 2015
Location: Weybridge Surrey & Pontefract West Yorkshire
Posts: 411
United Kingdom 2014 Defender 90 Puma 2.2 XS CSW Santorini Black
Haha Rolling with laughter they work in the car insurance industry, yet I'm pretty sure if it isn't pink or red or blue then they can't tell the difference
Post #512554 9th Mar 2016 6:44pm
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custom90



Member Since: 21 Jan 2010
Location: South West, England.
Posts: 20264
United Kingdom 
couplands wrote:
^^^ I had the same conversation with Aviva, they wouldn't insure my Defender because it could go "off-road"...no sh!t its a Land Rover...!

cheers

simon


They are crap, tried to charge me 1370£ PA for insurance. Rolling Eyes

Paying half that elsewhere...
Post #512560 9th Mar 2016 6:56pm
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