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zsd-puma



Member Since: 09 Aug 2016
Location: Kent
Posts: 2720
United Kingdom 2010 Defender 110 Puma 2.4 USW Santorini Black
As I said it depends how you word it. For every one that I've spoken to (including Flux) if it was fitted from new by the supplying dealer before it was handed over to you then it's considered factory fitted.

The stupid part however is if it was fitted a fortnight later at the dealer it's then an optional extra. Laughing

At lot of the time you just confuse the insurer by listing options. So it's as I said you have the ask with the specific phrase "do you need to know about manufacturer fitted accessories?". You'll notice they all ask the standard phrase "Is the vehicle modified from the manufacturers specification?" if you say yes and start listing stuff they treat it as modified, when it's actually still built to the 'manufacturers specification' because the manufacturer specified and approved their accessories. Often they're just looking for a box to tick not he computer too, I doubt any insurer lists 'snorkel' as an option, but they'll all list something like 'Modified induction system' which is more to do with sports air filters and the like rather than something to prevent dust ingestion.

part of the reason for this is because a lot of 'options' aren't actually fitted on the production line. Peugeot/Citroen for example have a large workshop at Sheerness, they fit things like roof rails and body kits when customers have specified them. They'll pick a car from the compound, fit the parts to it then send it on to the dealer. Some import concessionaires also do regional special editions and trim levels. If you look at some older Kia's with body kits it's common for the paint on the body kit to fade, that's because it was done at the port by the importer not by Kia themselves.
If it's done on the production line, at the import terminal or by the dealer before hand over then it's considered 'factory' fitted. That's where the insurance industry has decided to draw the line when it comes to 'factory' fitted. Wink
Post #726874 2nd Sep 2018 10:28pm
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Maxxed_Ross



Member Since: 06 Jun 2012
Location: Bathgate / North Sea
Posts: 340
Scotland 2001 Defender 90 Td5 CSW Cobar Blue
I did state that it came from the factory with it fitted, but they were determined that it wouldn't be covered if it was on the options list. Something about the vehicle being used for "extreme offroading" Rolling Eyes

Funny thing is they never mentioned the factory fitted "optional" winch or roll cage being a problem... or that it had a massive set of bull bars that they were only too happy to cover Laughing

Who knows what would happen if you didn't mention it then had an accident though, we all know how they like to use any loop hole possible not to pay out


The flip side is that my Subaru is extremely cheap to insure as it a "standard" car - despite having almost every performance toy and power upgrade available from then World Rally team at Prodrive - because that's how it was sold at the showroom. The only modification I've had to tell them about is the different exhaust Twisted Evil 2013 Discovery 4 HSE Lux | 2001 Defender 90 TD5 | 2007 Prodrive RB320
Post #726886 3rd Sep 2018 1:27am
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Co1



Member Since: 19 Aug 2018
Location: North Yorkshire
Posts: 3702
United Kingdom 2013 Defender 90 Puma 2.2 HT Loire Blue
Thanks for all the responses, really helpful.
Post #726887 3rd Sep 2018 5:05am
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smb



Member Since: 15 Jan 2013
Location: Cheshire
Posts: 1232
United Kingdom 2011 Defender 110 Puma 2.4 XS CSW Santorini Black
From a personal experience, I would leave it on, but change the ducting inside the wing to Nugget Stuff and remove the impeller.

Main reason being when you remove it you may not like what you see regarding the holes in the wing and the windscreen pillar that it will leave and also the damage to the paintwork where it will have been rubbing.

I had the original RAI as supplied by LR at new. Changed it to a Safari Snorkel with Nugget Stuff ducting as I felt I had a better chance of sealing it from water ingress. What I found when I removed the original was a disgrace as they made a bit of a cock-up in drilling the holes, the seals weren't installed correctly and the body flexing caused the RAI body to rub against the wing which rubbed the paint down to bear metal.

The Safari has a different fixing footprint so I was left with unsightly paintwork damage, but thankfully the holes were covered out of sight which if you remove it completely you will either 1/ have to put up with it, 2/ find something to completely cover it up or 3/ replace the wing/repair and spray the wing. Then you have the holes in the A-Pillar which will be the same as the wing situation.
Post #726921 3rd Sep 2018 8:39am
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rallysteve



Member Since: 10 Feb 2014
Location: Cumbria
Posts: 2238
United Kingdom 2002 Defender 110 Td5 DCPU Keswick Green
My Td5 was more responsive after i fitted the snorkel. The Safari one i fitted was the older 300tdi/TD5 one with the ducting that replaces the standard wing intake. which i would imagine is the most restrictive part of the air inlet system. You dont get this advantage with the TD5/TDCI safari version which retains the standard wing inlet.

I personally wouldnt want to remove the inlet impeller on the airbox as this helps to seperate the water droplets from the incoming air which would end up wetting the airfilter. With the safari inlet facing forward after motorway driving in very heavy rain there is noticable moisture in the bottom of the airbox.

Steve 02' 110 TD5 Double Cab Rebuild Thread
Post #726922 3rd Sep 2018 8:55am
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zsd-puma



Member Since: 09 Aug 2016
Location: Kent
Posts: 2720
United Kingdom 2010 Defender 110 Puma 2.4 USW Santorini Black
Maxxed_Ross wrote:


Who knows what would happen if you didn't mention it then had an accident though, we all know how they like to use any loop hole possible not to pay out:


That's why you just ask "do you need to know about manufacturer fitted accessories?". Don't get into detail about what they actually are. When they say 'no we don't' then you're covered if they try and argue the case later on.
Something as simple as alloys for example can be a nightmare if you tell them it has 'optional' alloys on it, because they'll tick the modification box for wheels and put the premium up, even though most cars have a choice for half a dozen different wheels when you order the car from new.

Just don't over think it. Most insurance call handlers are quite poorly trained, being too detailed just confuses them. Laughing
Post #727006 3rd Sep 2018 4:16pm
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Mike c



Member Since: 11 Aug 2017
Location: Maldon, Essex
Posts: 932
England 2004 Defender 90 Td5 CSW Belize Green
My td5 has a safari one fitted from when I bought it but I would rather not have it! However I have the same dilemma about removing because of the repair work to the wing etc required after which is annoying!

Mike
Post #727010 3rd Sep 2018 4:31pm
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zsd-puma



Member Since: 09 Aug 2016
Location: Kent
Posts: 2720
United Kingdom 2010 Defender 110 Puma 2.4 USW Santorini Black
If its just a question of hiding the two nutserts left when removing the factory intake, then they could just have a couple of dome head stainless screws put into them. Given that the Defender has exposed screws and rivets all over it I don't think they would look out of place. Only an enthusiast would know they weren't standard. Laughing
Post #727019 3rd Sep 2018 5:36pm
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Mike c



Member Since: 11 Aug 2017
Location: Maldon, Essex
Posts: 932
England 2004 Defender 90 Td5 CSW Belize Green
That's a good point but the safari required 3 large holes in the wing around the intake. However I would be happy with just putting small screws on the windscreen pillar though to block those small holes. The wing holes are the main problem anyone removing a safari will be faced with.
Post #727108 4th Sep 2018 8:15am
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smb



Member Since: 15 Jan 2013
Location: Cheshire
Posts: 1232
United Kingdom 2011 Defender 110 Puma 2.4 XS CSW Santorini Black
Best thing is just to take it off and see whether you would be prepared to put up with seeing blanked off holes and damaged paintwork(you may be lucky and they have fitted it correctly thereby limiting the paintwork damage). There is also a chance of the paint bubbling around where the holes were drilled and flaking off.

If you do remove it you will need to install the side vent anyway so you may be able to find someone that could make a backing plate of a size that could cover the same footprint of the RAI. That may be a better solution. Good luck Thumbs Up
Post #727109 4th Sep 2018 8:43am
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Mike c



Member Since: 11 Aug 2017
Location: Maldon, Essex
Posts: 932
England 2004 Defender 90 Td5 CSW Belize Green
That backing plate could be a good idea, thanks Thumbs Up
Post #727110 4th Sep 2018 8:47am
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Co1



Member Since: 19 Aug 2018
Location: North Yorkshire
Posts: 3702
United Kingdom 2013 Defender 90 Puma 2.2 HT Loire Blue
Thanks all, great info.
Post #727159 4th Sep 2018 5:06pm
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zsd-puma



Member Since: 09 Aug 2016
Location: Kent
Posts: 2720
United Kingdom 2010 Defender 110 Puma 2.4 USW Santorini Black
Mike c wrote:
That's a good point but the safari required 3 large holes in the wing around the intake. However I would be happy with just putting small screws on the windscreen pillar though to block those small holes. The wing holes are the main problem anyone removing a safari will be faced with.


Evem M8 threads would only have about a 12mm diameter head, domed cap head screws still wouldn't look out of place. and of could you could just paint them body colour after fitting with a paint pencil.
Post #727169 4th Sep 2018 6:54pm
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Mike c



Member Since: 11 Aug 2017
Location: Maldon, Essex
Posts: 932
England 2004 Defender 90 Td5 CSW Belize Green
This is true, not quite a big issue as I originally thought, thanks for the suggestions Thumbs Up
Post #727238 5th Sep 2018 7:16am
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