Hamish Posted February 2, 2022 Report Share Posted February 2, 2022 Just thought I would share some good news. as many of you know my car has some modifications and enhancements for competition over the years. A-plan via the club are aware of these. however I have updated them with the engine improvements from this winter - 89mm thus increased capacity, webers, cam, head work etc etc. they took it in their stride and none of it phased them, all sorted very quickly. I suggest you review any changes made to your cars over the winter ( have you swapped wheels, seats, exhaust manifold ?)and make sure your insurer is aware. Also is your agreed value up to date ? thanks A plan and TRR Quote Link to post Share on other sites
Bleednipple Posted February 2, 2022 Report Share Posted February 2, 2022 It's obviously a really bad idea to be anything other than fully up-front with insurers, and the policyholder must take reasonable care to declare mods. However, I read recently about an insurer trying to say that even putting on winter tyres had to be declared. I rather suspect the Ombudsman would come down on the side of the policyholder if an insurer tried to void cover for such a ludicrous reason. There's some peace of mind from knowing that you can't be guilty of the offence of driving without insurance just because you haven't declared some mod or other. The insurer still has to honour the third party cover to meet the Road Traffic Act. The insurer could then try to recover the third party losses from you, but I don't think they'd get very far with that just because you'd swapped your wires for a shiny set of alloys (I know, on a TR!) provided that had had no bearing on the accident. With my cars insured through Hagerty, I just told them the cars are "modified for road rallying" and they are quite happy with that rather than requiring a blow-by-blow of every tweak. Incidentally I moved to Hagerty quite recently, having previously been with A-Plan then ERS. I left A-Plan a couple of years ago following an unsatisfactory claims management experience. Hagerty has been great so far, a very good price and with several useful free add-ons, such as theft cover for my trailer and some competition cover which saves the cost and hassle of buying add-ons for regularity rallies. I've also been particularly impressed by the personal service from Hagerty, who came across (to me anyway) as much more customer focused than the others. I guess everyone's experience will differ but it's showed me once again that with insurance it's always well worth shopping around. Nigel Quote Link to post Share on other sites
PodOne Posted February 2, 2022 Report Share Posted February 2, 2022 +1 for A-Plan which I used for many years with modded cars and always found them fair and a good price year after year when I declared any addition mods while some of the so called specialists would not even quote. When the MX5 was unfortunately written off by me there was no argument the engineer agreed it was worth the 25k I'd covered her for. Its always best to be honest with insurers to avoid disappointment and aggravation. If you have tried to hide or disclose mods it might cost you a lot more down the line if they pull the cover on you. Andy Quote Link to post Share on other sites
stillp Posted February 2, 2022 Report Share Posted February 2, 2022 A-plan saved me about 20% of what I was paying for house and contents cover, with the same level of cover, and also a substantial amount on my daily driver, with a better level of cover. Pete Quote Link to post Share on other sites
Misfit Posted February 2, 2022 Report Share Posted February 2, 2022 1 hour ago, Bleednipple said: It's obviously a really bad idea to be anything other than fully up-front with insurers, and the policyholder must take reasonable care to declare mods. However, I read recently about an insurer trying to say that even putting on winter tyres had to be declared. I rather suspect the Ombudsman would come down on the side of the policyholder if an insurer tried to void cover for such a ludicrous reason. There's some peace of mind from knowing that you can't be guilty of the offence of driving without insurance just because you haven't declared some mod or other. The insurer still has to honour the third party cover to meet the Road Traffic Act. The insurer could then try to recover the third party losses from you, but I don't think they'd get very far with that just because you'd swapped your wires for a shiny set of alloys (I know, on a TR!) provided that had had no bearing on the accident. Well said, I would add, 1 hour ago, Bleednipple said: I left A-Plan a couple of years ago following an unsatisfactory claims management experience It’s a case where all to many insurers Outsource claims to claims management firms. Sometimes their employees are unaware of the difference between classes/historic vehicles and modern metal. You don’t have to accept any initial offer, The vehicle is yours not the claim handlers, in the event you need to make a claim make it clear to your chosen repairer or/and the vehicle recovery firm that the car is not to be removed without your specific permission. Also make that clear when reporting a claim. If in the event you are not happy always speak to your provider/ broker. In the case of Aplan, Peter Barrett or a member of his team. I have always found them really helpful as already said above. Quote Link to post Share on other sites
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