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| Landymatt Member Since: 31 Dec 2018 Location: York Posts: 191  
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These guys keep knocking it out the park for me.
Just phoned up to add on a load mode mods - up to 22 now including things like wheel spacers and cruise control - they have had every excuse to hike my premium but no, just a modest, and discounted admin fee. Chuffed to bits, this time it was Jimmy Boycott Brown on the phone at the Thatcham office  |
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19th Jul 2021 1:46pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Just a few mods then
Thank you for your comments - I'll pass them on to Jimmy  Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation |
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19th Jul 2021 1:54pm |
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| nitram17 Member Since: 08 Jun 2014 Location: newcastle Posts: 2261 |
As i personally believe that the only true judge of the worth of an insurance broker is when you make a claim...... so has anybody on here actually maid a claim through A plan???
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19th Jul 2021 10:31pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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I'm sure there's probably a few...
We have an in house claims team that chases insurers for updates, sits on hold so you don't have to and can intervene if you do have issues, Mark is our claims manager here in Thatcham  Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation |
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20th Jul 2021 7:37am |
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| nitram17 Member Since: 08 Jun 2014 Location: newcastle Posts: 2261 |
I think i asked this question a couple of years ago and got no response! On another note what does a plan consider a mod as it appears to be arbitrary and a can of worms!...... How do you define it ..is it anything that isnt oem? or is it anything that changes the function from original?
So if i replace the steering damper but dont use oem do i have to report it as a mod as it might have a functional improvement. Or if i replace the rust magnet front shock cone for another manufactures do i have to report that as it wont change the function?. If so where do you stop do you have to report if you use non oem brake disks or propshafts or down to fuel pumps and the like..... I do find the mod definition a hard one to pin down and any help would be appreciated! as there is always a feeling of concern that a claim wil be refused because you have some undeclared mod (that had nothing to do with the accident) and that why i asked for a recommendation from someone who has maid a claim. |
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20th Jul 2021 8:47am |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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The definition of a car modification is a change made to a vehicle so that it differs from the manufacturers original factory specification.
We can't speak for all insurers obviously as we use a selected panel, but generally if you are replacing parts and unsure then if in doubt declare it and refer to your insurance company - with OUR specialist insurers on our panel, if replacements were like for like it's unlikely to effect the insurance but they may chose to note it anyway just to play safe. Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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20th Jul 2021 9:21am |
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| nitram17 Member Since: 08 Jun 2014 Location: newcastle Posts: 2261 |
That's the problem though ..under your definition..changing the door card would be a mod if it wasn't OEM..... Or putting better springs in the handbrake drum or better quality brake hoses and the like......all would be mods but I doubt anyone has added them to their mod list.I think there will be lots of people driving around with undeclared minor mods that are hoping to avoid an over zealous insurance assessor and a void insurance because of an undeclared mod.Perhaps brokers should have a drop down list for the mods they deem significant for insurance purposes and in this way bring some common sense and clarity to the process.
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20th Jul 2021 11:31am |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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That's the generic definition of what a car modification is, not our own - if the replacements are of the same spec then it is highly unlikely you'd face any issues, but as I say, I can't speak for all insurers. However, if they are uprated spec for example then yes they would need to be declared as the factory spec has obviously changed.
Examples of the "drop down list" insurers supply under modifications include: uprated brakes, uprated suspension, exhaust: performance enhancing/cosmetic/both, wider tyres, air filter and so on, the list is extensive and if anything isn't an option we are able to make a note on file and list as "other". Most options are there though, and the best mindset to take is if in doubt declare it, because then it's up to the insurers if they require it to be listed or not and you have full-filled your side of the insurance contract by notifying them. Hope this helps? Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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20th Jul 2021 12:05pm |
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