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22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3150

2011 Defender 110 Puma 2.4 USW Keswick Green

Insurance want to bump premium up for fitting an RAi?

I rang my insurer to inform them I wanted to fit an RAI to my 110. They seemed totally perplexed as to what such a thing was, they seemed to think it was something to do with the exhaust! I explained what it was and they asked if it affected the performance, I told them no. After being on hold they came back and said it would add on about another £100 a year just for having an RAI! I explained that they are a factory option, but their answer was that that would be fine, but if I fit it myself it is considered a "modified vehicle" and I have to pay more.

Is this normal? I can understand them wanting more for, say, a chipped vehicle or something, but for a bit of plastic pipe up the windscreen? The extra insurance would not be much less than the cost of a new mantec RAI. Should I just fit one and not tell them, or just leave it until renewal time and go to someone who knows what they are dealing with?

Thoughts and suggestions please.

19th Jan 2013 4:43pm

custom90

Member Since: 21 Jan 2010
Location: South West, England.
Posts: 20418

I'd get shot of them. If their like that imagine what they'd be like if you wanted to claim... Plenty of other insurance companies out there. And your right a RAI or Snorkel is NOT a performance modification. Let's face it what Defender out there isn't modified with something or other? $W33T $0U7H3RN $UG4R
ðŸ‡¬ðŸ‡§ðŸ´ó §ó ¢ó ¥ó ®ó §ó ¿ðŸ´ó §ó ¢ó ·ó ¬ó ³ó ¿ðŸ´ó §ó ¢ó ³ó £ó ´ó ¿ðŸ‡®ðŸ‡ªðŸ‡ºðŸ‡¸â›½ï¸ðŸ›¢ï¸âš™ï¸ðŸ§°ðŸ’ª

19th Jan 2013 4:58pm

Andy Jeff

Member Since: 11 Nov 2012
Location: Suffolk, UK.
Posts: 143

Made no difference to my insurance thru Flux's.

Andy.

19th Jan 2013 5:02pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3150

custom90steve wrote:
I'd get shot of them. If their like that imagine what they'd be like if you wanted to claim... Plenty of other insurance companies out there. And your right a RAI or Snorkel is NOT a performance modification. Let's face it what Defender out there isn't modified with something or other?

What bugs me is that when I fitted the side steps I got off Bob Neville, they said no problem and just made a note of them. I don't see why an RAI would be any different? I think as we are mid-term with them at the mo, I will fit one later when its renewal time.

19th Jan 2013 5:29pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3150

Andy Jeff wrote:
Made no difference to my insurance thru Flux's.

Andy.

For some reason I remember their quote being VERY high for me, but might have to revisit them at renewal time.

19th Jan 2013 5:30pm

K9F

Member Since: 12 Nov 2009
Location: Bournemouth
Posts: 9610

2008 Defender 90 Puma 2.4 XS CSW Stornoway Grey

Try 'Flux Direct' first. They are a sister company to Adrian Flux and as they are internet-based you can get a cheaper quote from them than Adrian Flux themselves. Adrian Flux will then honour the quote from their sister company.

http://www.fluxdirect.co.uk/?rw.cm=GOOGLE,...tAodVzAAuw If you go through life with your head in the sand....all people will see is an ar5e!!

Treat every day as if it is your last....one day you will be right!!

19th Jan 2013 5:46pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3150

K9F wrote:
Try 'Flux Direct' first. They are a sister company to Adrian Flux and as they are internet-based you can get a cheaper quote from them than Adrian Flux themselves. Adrian Flux will then honour the quote from their sister company.

http://www.fluxdirect.co.uk/?rw.cm=GOOGLE,...tAodVzAAuw

Thankyou for the tip!

19th Jan 2013 5:51pm

borderterrier

Member Since: 09 Dec 2011
Location: Surrey
Posts: 1677

2013 Defender 110 Puma 2.2 XS CSW Aintree Green

I suppose that they assume that by fitting a raised air intake that you are the type that that will use it (why else would you fit one if it wasn't to wade through water?) and therefore you are subjecting your vehicle (which they insure) to greater risk of damage. Not saying I agree with it, but there is some logic in there somewhere.

Steve

19th Jan 2013 6:01pm

22900013A

Member Since: 23 Dec 2010
Location: Oxfordshire
Posts: 3150

borderterrier wrote:
I suppose that they assume that by fitting a raised air intake that you are the type that that will use it (why else would you fit one if it wasn't to wade through water?) and therefore you are subjecting your vehicle (which they insure) to greater risk of damage. Not saying I agree with it, but there is some logic in there somewhere.

Steve

Possibly, but that is why I did not use the word "Snorkle" as I have no intention of using it for wading! My main concern is keeping the dust out.

19th Jan 2013 6:07pm

custom90

Member Since: 21 Jan 2010
Location: South West, England.
Posts: 20418

borderterrier wrote:
I suppose that they assume that by fitting a raised air intake that you are the type that that will use it (why else would you fit one if it wasn't to wade through water?)
Steve

A RAI isn't for wading. A Snorkel is though. Equally that said many of us have winches / underside protection that is rarely used and in some cases never used so I can't see it. $W33T $0U7H3RN $UG4R
ðŸ‡¬ðŸ‡§ðŸ´ó §ó ¢ó ¥ó ®ó §ó ¿ðŸ´ó §ó ¢ó ·ó ¬ó ³ó ¿ðŸ´ó §ó ¢ó ³ó £ó ´ó ¿ðŸ‡®ðŸ‡ªðŸ‡ºðŸ‡¸â›½ï¸ðŸ›¢ï¸âš™ï¸ðŸ§°ðŸ’ª

19th Jan 2013 6:08pm

barbel jim

Member Since: 12 Dec 2012
Location: Northants
Posts: 1423

NFU were brilliant for me View things slightly different (old skool)

19th Jan 2013 6:33pm

borderterrier

Member Since: 09 Dec 2011
Location: Surrey
Posts: 1677

custom90steve wrote:
borderterrier wrote:
I suppose that they assume that by fitting a raised air intake that you are the type that that will use it (why else would you fit one if it wasn't to wade through water?)
Steve

A RAI isn't for wading. A Snorkel is though. Equally that said many of us have winches / underside protection that is rarely used and in some cases never used so I can't see it.

RAI/snorkel they are one one in the same, certainly marketed that way by those that sell them

Steve

19th Jan 2013 6:46pm

custom90

Member Since: 21 Jan 2010
Location: South West, England.
Posts: 20418

They are compared and passed off as the same in general but crucially they are different. Insurers don't know the difference really full stop if you ask me.

$W33T $0U7H3RN $UG4R
ðŸ‡¬ðŸ‡§ðŸ´ó §ó ¢ó ¥ó ®ó §ó ¿ðŸ´ó §ó ¢ó ·ó ¬ó ³ó ¿ðŸ´ó §ó ¢ó ³ó £ó ´ó ¿ðŸ‡®ðŸ‡ªðŸ‡ºðŸ‡¸â›½ï¸ðŸ›¢ï¸âš™ï¸ðŸ§°ðŸ’ª

19th Jan 2013 6:50pm

borderterrier

Member Since: 09 Dec 2011
Location: Surrey
Posts: 1677

maybe someone should brief them

Steve

19th Jan 2013 7:35pm

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