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| Nevillerover Member Since: 14 Feb 2015 Location: Suffolk Posts: 224   
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What I mean is if you have a snorkel and you are with Direct Line, you have no insurance, they will not cover you.
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4th Jul 2019 8:40pm |
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| Bongo1 Member Since: 02 Nov 2018 Location: Cheshire Posts: 815
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How weird , I Had a panic on then , I thought i needed to call my broker asap .
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4th Jul 2019 9:12pm |
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| SteveK Member Since: 21 Jan 2015 Location: Bromsgrove Posts: 333 
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Whichever insurer or broker you are with, it is important that you tell them about all modifications otherwise your policy could be voided!
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5th Jul 2019 4:23am |
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| pawsinmud Member Since: 08 May 2016 Location: Hampshire Posts: 3 
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I find Direct Line are good and pay £230 a year for a 2016 90 XS CSW. I think the main influence on their prices is how your profile fits into their little boxes though, so you need to try quite a few. A lot of the big players are not on the comparison sites so you need to go direct to them.
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11th Jul 2019 11:36am |
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| AndyT66 Member Since: 19 Sep 2016 Location: Bedford Posts: 148  
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Second year with Aviva for me, dropped to £180 fully comp, 4 years NCD.2004, 90 station wagon
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11th Jul 2019 10:31pm |
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| andydef90 Member Since: 09 Feb 2015 Location: yorkshire Posts: 617 
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mines 240 with a guaranteed value with Hastings do comparison with the likes of go compare . prices are going up due too theft
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17th Jul 2019 1:13pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Hey!
Just to clarify as above, some insurers will straight up void your cover if you have undeclared Mods - every mod whether its spotlights, a winch, snorkel etc should be declared just to make sure you are covered correctly. Otherwise you are just paying for an expensive piece of paper... some insurers are more lenient and may say you need to pay x amount difference in premium to keep cover but this isn't common and it will depend on your insurers terms and processes which do vary. Be very careful about how you ask about your mod cover too, some "standard" insurers (I can't name names but you will find them on comparison sites) will cover a modified vehicle, but if you ask are my mods covered the answer is no, so in the event of a claim you may come up short as they will only payout for the standard vehicle and exclude mods, so even if you spent £5k on modifications it won't be taken into account when written off for example. If you have mods it's best to go for modified insurance when you can, it's often more cost effective and holds more financial benefit if the worst was to happen. If anyone would like a quote we are here for the members and we offer like for like modified cover, contact details below, but if you are unsure on whether your current cover covers the mods as well it is worth making a quick phonecall to your insurance before finding out the hard way 
01635 874646 www.aplanspecialist.co.uk Monday - Friday 8.30am - 5pm Saturdays 8.30am - 12noon As always, I'm here to help and feel free to PM me Carlie  Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation Last edited by A-Plan Insurance on 27th Jul 2019 8:59pm. Edited 1 time in total |
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27th Jul 2019 1:06pm |
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| Sulisuli Member Since: 30 Oct 2016 Location: South west Posts: 4795
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Carlie
Thanks for the post, is it best to email you with a complete list of mods to get an accurate quote or is it best to ring? 2015 HT XS 90 2008 SVX 90 2000 XS TD5 90 |
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27th Jul 2019 6:11pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Best to ring... partly because I'm on Maternity leave but still doing this because of my love of the club!
But we do only do quotes over the phone  01635 874646... as local branches dont have the specialist cover for 4x4 off road or Modifications
Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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27th Jul 2019 9:01pm |
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| Sulisuli Member Since: 30 Oct 2016 Location: South west Posts: 4795
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Wow that’s what I call dedication, answering on a Saturday night whilst on maternity leave, that’s impressive
2015 HT XS 90
2008 SVX 90 2000 XS TD5 90 |
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27th Jul 2019 9:04pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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I know right... you lucky lot!
My baby is 15 weeks old so don't be surprised if I respond at stupid hours 😂 sleep is overrated! Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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27th Jul 2019 10:21pm |
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