wheel arch extensions or not?

[Tim B]

Excuse me for being ignorant, but if the parts are dealer supplied and fitted, then surely there isn't a requirement to state so on you insurance. Would you expect to pay more for leather interior or metallic paint, probably not. After sale modifications, or non manufacture approved modifications maybe.

Tim ??:

[Claire Cook]

1. I am not a "snoop"
2. I don't work on Motor Insurance so this has nothing to do with me, I am purely trying to make people aware that this is classed as a modification and you should make your insurers aware as any claims made where the have not been told will not be paid. Sorry for helping I did not realise people on here were so petty so I will not bother anymore

Goodbye.

[duncs]

hmm that reminded me suspiciously of anne robinson on the 'weakest link', that.

i didn't realise they would affect insurance. seeing as previously i drove on public roads like i was in a dodgem, i'll have to give this some considered thought. does a rear spoiler have a similar insurance consequence, and adding on alloys, anyone?

p.s. col will be pleased i am considering losing those wheel trims

duncs

[col]

Ooops looks like we've upset claire, but she is right you have to inform your insurance co of any mods even if its a go faster stripe! But i agree with you burge, i interpreted her message as though she as gonna investigate the matter further as she worked for axa.

Tim - To my knowledge you have to state all mods regardless of whether it is approved or not, but i do agree with the leather/paint arguement. Maybe it has something to do with dealer options and factory options??!! now i'm confused

And i'm glad your losing the wheel trips dunc, unfortunately i did lose one and had to fork out 16 quid for a new one as the car looked ugly without it.

[rob]

Sorry to repeat this but Claire is right.

You need to notify of anything you do. I had to notify my insurance that I had colour coded the car.

The trick was to inform them that I had had the work done by the dealer, also all accessories were fitted by the dealer and were Peugeot accessories. I also stated that I could get a letter from my dealer confirming this if they required.

This info was passed to the underwriters and they agreed that the mods were only cosmetic and as they dealer had done them all they wouldnt charge me extra.

Its just worth a try.

Oh on a sour note, I know of a guy who had his car nicked and the insurance company refused to pay out as he had changed the style of his wheel trims. they claimed they made the car more desirable to steal.

[Derek]

hard to say where you are coming from claire....

to say it should have been charged for is fair enough if that is correct and you will know more than most working in insurance. to say that you are going to highlight this with the company i am insured with in my opinion and obviously a few others on here is not right.

it is as rob says a cosmetic and not performance modification. i may add that when i swapped my insurance to the replacement CC, the person didn't know if it altered the policy. she put me on hold for approx 2 minutes and came back and said it only had to be recorded as the value of the accessories fitted which she done and stated quite clearly that there was no additional charge and i'm sure if there was they would have charged as i had caused enough inconvenience to them by moving insurance to and from my 1st CC to four different courtesy cars over the 79 days of ownership.

it should also be remembered that people post info on this forum to provide info, knowledge and advice etc.. and should not have to start thinking "will i or will i not" say this.

as a store manager of a supermarket i do not go around colleagues or competitors stores finding faults and either reporting it to the manager or their head office and that is no different from what you have said with regards to your profession.

need i say anymore ?

derek

[Derek]

also after reading claire's message again, i was asked if the wheels had been changed and correctly informed them that this wasn't the case.

result = no charge

derek

[rob]

I just reread Claires comment.

Claire, here is the chance to make your side clear.

were/are you going to inform your company about Derek or was it just a misinterpreted joke.

I think we should get the facts clear before anyone starts a slanging match

[Robbie]

Hmm. Well I think I interpreted it correctly the first time.

Sorry Rob, but there are clearly some conflicting accounts within these posts, so I'm merely trying to clarify some matters.

To get this clear, its now officially confirmed that no one here even works in the motor division of Axa!!! - so no real need to "look into the matter" as was previously stated in the first place unless someone really gets a weird sort of kick out of worrying people by informing them of their intentions - and if no-one works for the motor section of Axa why make yet further unfortunate conflicting comments about "only doing my job?" and then yet again afterwards "its nothing to do with me".

Now I'm no mathematician but this really doesn't add up and its not my arithmetic!

If its s all a bit of fun, then that in itself seems worrying, a really weird sort of joke - eh?

I for one would certainly be interested to hear if the matter can be "clarified" though it looks unlikely as someone's taken the easy option with a public "goodbye" - no surprises there then!

Robbie.

<font size=-1>[ This Message was edited by: Robbie on 2002-05-16 21:16 ]</font>

[Derek]

> goodbye

who mentioned the weakest link ?

[Burge]

I have a mesh grill fitted and had my bonnet vents colour coded. I did ring my insurance company and was told that they didn't make a difference. I seem to remember that they said at the time that if I had colour coded the bumpers and side strips that that would make a difference but didn't ask at the time how much. As i have got my husbands Saxo 1.1 and the CC 1.6 both insured fully comp for about £500 in total I can't see it making much difference - but someone may know different!

Burge

[Robbie]

Only goes to show Burge that modifications to our Pugs is a right minefield with insurance companies, the fact that they all seem to have different criteria doesn't help matters also - seems like a right easy way of making some extra money to me.

Well I plan to take my car for a clean tomorrow. I hope this slight modification doesn't warrant anyone making a phone call to my insurance company.

Robbie.

[kmarei]

Is it just me or are insurance companies in the uk ripping off customers? they charge you for almost anything you do to the car?
what difference is it?
if i paint my bonnet vents the same colour as the car so what?
how does that affect the insurancce?
it sounds like this insurance buisness should be regulated
some companies charge you extra
others don't
huge differences in the prices you pay for the same car/owner?
and who makes up these insurance groups?
the GTi is 6 insurance groups higher than the XSi? when they almost share the exact same parts except some parts in the engine?
so almost any accident in both cars will probably cost the same so why is one so much more expensive to insure?

[SeeJay]

Hi Denmark

I've had both the mesh grille and arch extensions done - check #268. My insurers did not change premium however I am driving with a £500 excess - day light robbers!!!

Regards

SeeJay

[Tim B]

Insurance - what's that!!!!!!!!!!!!!!!1