 | Home > Maintenance & Modifications > Roll cages, your SO and insurance |
 
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| Screbble Member Since: 26 Apr 2015 Location: Lancashire Posts: 2080   
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Sorry, no specific experience of the external roll cage or the insurance situation but....
One of them you should tell because of the potential consequences of not doing so. The other you shouldn't tell because of the potential consequences of doing so. Only you can decide which scenario applies to which party 
Good luck with those difficult conversations and more importantly with the installation  |
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27th Oct 2016 8:40pm |
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| GREENI Member Since: 22 Aug 2010 Location: staffs Posts: 10379
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How was the news received by my SO?
She wants a cage for her 90 also  |
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27th Oct 2016 8:43pm |
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| agentmulder Member Since: 16 Apr 2016 Location: Outer Space Posts: 1324 
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oooph, sounds expensive
Awkward too: 'yeah, so they make the vehicle so much safer!' ... 'and, sooo, you bought yourself one... and not me ??'  Solved the bowel problem, working on the consonants... |
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27th Oct 2016 8:46pm |
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| agentmulder Member Since: 16 Apr 2016 Location: Outer Space Posts: 1324
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'ahh, uuumm ...'
(sheesh, how do I get out of this one...  )
'but you cant get into covered car parks any more!' ... FAIL  Solved the bowel problem, working on the consonants... |
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27th Oct 2016 8:48pm |
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| roel Member Since: 08 Aug 2009 Location: Lelystad Posts: 2039  
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When I bought my cage and told her what it cost, she asked How Much ?!! Then I asked: Am I worth it? And that was the end off the discussion.
 Click image to enlarge Roel 1984 90 2.5 na Diesel - RR V8 (1994-2001) 1997 Camel Trophy Discovery 300TDI (2001-2009) 2005 G4 Discovery III 4.4 V8 (2008-2018) It's gone but it still hurts. 2003 90 Td5 (2009-now) |
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27th Oct 2016 9:49pm |
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| tuesdayfox Member Since: 23 Jun 2013 Location: Sydney,OZ Posts: 129 
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you will not be getting a roll cage but an over-engineered roof rack
as long as it is not internal. its just a roof rack |
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27th Oct 2016 10:24pm |
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| agentmulder Member Since: 16 Apr 2016 Location: Outer Space Posts: 1324
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^^ Would my insurance company see it that way?
Should point out, it's not for serious off-roading, I don't expect to roll over and drive away, it's more sacrificial in nature and accordingly even as an over-engineered roof rack (that connects (via flanged joints) to the chassis) it will provide more protection than standard. (and a light duty rack..) Also, I'd opt for the version that includes the internal structure around the B-pillars, and look at a cross brace somewhere, likely aft of the mid seat row (the ease and utility of installing yet to be fully investigated however). And finally, it was advice of other members that a SD cage would be a better option than a home-brew cage that I was considering at the time. Solved the bowel problem, working on the consonants... |
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27th Oct 2016 10:36pm |
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| I Like Old Skool Member Since: 23 Feb 2015 Location: Manchester Posts: 806 
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Unfortunately I am worth much more dead than alive so will never be able to pitch a rollcage installation to my significant other half
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27th Oct 2016 10:55pm |
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| mk1collector Member Since: 17 Sep 2009 Location: West Yorkshire Posts: 6769  
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I really don't understand why insurance companies either hike the premium or won't even insure defenders with roll cages, surely in an accident it will give them more recoverable vehicles or parts so save them money and safer for the defender owner. Ray
My build thread http://www.defender2.net/forum/topic17615.html |
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28th Oct 2016 9:30am |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17338 
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^^ Agree.
On the plus side, fitting a cage: 1) makes the vehicle statistically less likely to be stolen 2) Reduces the likelihood and magnitude of personal injury payouts to occupants 3) Potentially increases the residual value of an insurance write-off (although this is likely to be marginal). I imagine also that in general there is a smaller proportion of Defenders with cages involved in accidents than Defenders without, since the fact that a driver is thoughtful enough to fit a cage probably indicates that he is more disposed to drive safely. Point 2 above is probably the most significant benefit from an insurance perspective. However on the minus side, I imagine that insurance companies have ample statistics to demonstrate that across all vehicle types, those with cages are more likely to be driven in an irresponsible manner by a pimply knobhead and be the cause of substantial payouts. Since (a) this presumption generates more income from premia than the four good points above, and (b) insurance companies now seem incapable of making informed decisions and rely totally on "the computer" telling them what to do, I suspect that this view prevails. |
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28th Oct 2016 10:17am |
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| V8GPC Member Since: 18 Jul 2016 Location: Manchester Posts: 289
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there are Defenders that had roll cages factory fitted as standard (not an option)
50th Defenders.... Tomb Raider Wonder if these effects insurance quotes? |
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28th Oct 2016 11:04am |
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| Nevillerover Member Since: 14 Feb 2015 Location: Suffolk Posts: 224 
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The mere addition of a raised air intake invalidates many insurances so I think you should be clear and ask your insurance company before ordering a roll cage.
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28th Oct 2016 12:24pm |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035 
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A snorkel is an accessory so no biggie with the insurance company unless you want to make it such.
Ive said this before, the underwriters (when my car was written off by a drunk driver when parked) were eye opening about the difference. A roll cage you should really tell them as it is a material and significant change (increased pedestrian risk etc etc) many things are just accessories and no need to tell them, unless you tell them your putting a roof rack on etc etc Mike |
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28th Oct 2016 2:22pm |
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| Jeebs Member Since: 23 Oct 2015 Location: North West Posts: 197 
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Having had a spectacular near fatal crash in a defender, and seeing just how vulnerable you are in one, roll cage would certainly be on my list if/when I get another.
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28th Oct 2016 2:48pm |
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