micared

Peanuts, if I've got this wrong, excuse me as I've been working long hours and am generally a bit knackered lately. As I understand it you seem to have something in writing to say that your modifications are covered? Try putting yourself in the position of those of us who've been, in theory, insured with L.V. for our modded cars for the last few months, but have nothing in writing to show for it.....this despite making vigourous enquiries with regard to rectifying this situation. I'm not going to be at all impressed if, in future, I have a claim rejected on the basis that I have no written proof of cover for mods, even though I've payed the premium in full, and been told on the 'phone that I'm covered. Don't think it's unreasonable for people in my position to expect a representative of L.V. to publicly clarify the position, on this board, if need be......certainly for me, it's worrying that they feel that blithely insisting that " all mods are covered " on the 'phone should be all that's required.
Btw, don't think your scenario of claims being rejected based on the posts on here is very likely....my real name isn't Mr micared, and I don't imagine yours is Mr peanuts!

Tentenths

As others have said on this and other similar threads, LV record all phone calls. Thus, just make a note of the time and date of your conversation with LV (and name of the person you speak to) - and if you want to be doubly sure, why not also record the call from your end?

anc-sti

If you do this, you MUST inform the person on the other end that you are recording the call, there is some legal reason for this which I can't recall. If you haven't informed them I'm afraid the recording is useless.

micared

Tentenths, I was aware that most insurance companies record their calls, however, in my experience, this is not a failsafe method of avoiding mistakes. When Norwich Union backed out of the policy I had with them, I asked them to refer to calls made at the time the policy was taken out, only to be told that the tapes were unable to be found! When paying for a service, I don't expect to also have to explain to the provider how to avoid mistakes being made, or how to best provide the service they set themselves up in business to profit from, or to have to record calls in case they turn out to be inept. I'd like, as I have explained to them on a number of occassions, to have something in writing......there is legally no substitute. As things stand, they have my money, I have no written proof that it is providing me with the cover I require.

Tentenths

I don't recall saying that you should - I was merely trying to suggest a way that you could protect your own interests. If you don't want to/are not prepared to do so, that's obviously your decision.

Have you tried ringing LV and asking them to confirm (verbally) the modifications they have noted on their system?

If you're that unsettled by the whole LV experience surely you should vote with your feet?

micared

Tentenths, I wasn't answering a question you had posed, rather stating the position as I see it. Sorry if you have an issue with that. As you say, if things aren't resolved satisfactorily, voting with my feet may be the only option.

funkymonkey

Wetrd just got off the phone to L&V and as soon as i mentioned mods they didn't want to know!
what on earth is going on?

scooby-si

just sorting my renewal out at the minute been with L&V for 3 yrs now,phoned them yesterday to add the polo 1.9tdi se 110bhp 2001

my 22B with lots of mods comes in at £620 , the polo comes in at £480 told her shes having a laugh. then i ask her to list my mods and she tells me there isnt any listed i beg to differ ive got all my paper work here and they are listed after 20mins on the phone i tell her to forget it, ive got the l&v rep coming round tomorrow to kick there ****'s as i have about 6 policies with them.

Mo

I've just been told by LV that the only import Impreza they will ensure as from April this year is a 2 door so newly imported STis are out of the question.

Yes I do have my current modified UK Impreza insured with them and have done for the last three years but they refuse to quote me on any import other than a 2 door.

I explained that the new Imprezas are 4 door only and that I would have to get a quote elsewhere and that my UK is up for renewal in December and I would take this business elsewhere guess what they said...................we cannot insure any imports other than a 2 door.

Took my business elsewhere - Try giving Olly a ring at A Plan, great service and it sounded like he actually knew what he was on about.

mick02wrx

Not sure what the hells going on here but I have just had a new quote from L&V and im not an existing policy holder, I asked the questions about modifications (I have 2002 wrx with new wheels , bodykit, grills and exhaust) the only one she had to go and ask about was the exhaust which they didnt care about due to the power increase being less than 5%. She said they are not at all bothered by any of the mods and dont need details because it is not a question they ask for the quotes. There must be some other issues with some of you and your cars?

Quote was £749 fully comp with protected NCD for modified 2002 WRX on driveway, age 30 Y/O (Hope nobody from our club reads this!). I think that is a brill quote and beats anyone else iv tried by £200.

Mick

And yes i will be insuring with them.

ScoobyNoob

Got my WRX insured with L&V a couple of weeks ago. Just phoned them to see if they would cover PPP and no, they won't! I should have asked the question before I got a policy with them I guess but it's bloody annoying! Especially as I already ordered PPP from the dealer. Looks like I'm going to have to cancel, other quotes are silly considering I've got 9 years no-claims.


This has not made my day!

Tentenths

LV has a reputation for inconsistency - might be worth ringing again and asking someone else the same question! It's worked before

scoobfan

I'm 34 had a quote today from L&V £490 UK Spec for the WRX Wagon import £715

Full no claims

It also depends on where you live don't forget !!!!

_Meridian_

iTrader: (1)

I've just spoken to them about getting a PPP for my 02 WRX. I'm 43, in a lowest crime area, with nine years+ no-claims. This is what I was told after the woman spoke to the underwriters:

As of today (19th Nov) RLV will no longer insure new customers with mods apart from things like a sunroof or a towbar. Existing customers will remain insured, but will not be allowed any more mods apart from the same sort of thing - my PPP will not be allowed. They will be able to renew with existing mods. She was not certain if this edict would be issued in writing.


M

ScoobyNoob

Just had exactly the same experience and had very little luck elsewhere. Best price I can get (similar age etc) is 1357 from NU via AutoTorque. That's up from 792 I'm paying L&V for basic WRX, too much. No-one else I talked to will touch it.


TenTenths - Tried ringing again today, same response, grrr.

Tentenths

If you're not already fed up with ringing around there's some mod-friendly names mentioned on these threads:-

http://bbs.scoobynet.co.uk/showthread.php?t=379809
http://bbs.scoobynet.co.uk/showthread.php?t=374231

Good luck.

ScoobyNoob

Cheers, tried most of em, will give the couple I haven't a try on Monday. I'm expecting the same response though, seems Scoobs are not flavour of the month.

I'm probably being a bit impatient though, maybe be better for me to get to know the car for a bit longer before PPP'ing it anyway!

How does that song go? 'Always look on the bright side of life...' ;-)

scooby-si

WELL AFTER 2 DAYS OF FIGHTING I WON

got the polo down to £350 and the 22B down to £600 all thx to l&v my god they make it hard work

sKunk

I just had to ditch L&V yesterday when they threatened to cancel my 4 month old policy if I put a new exhaust onto my car.

http://forums.sidc.co.uk/messageview...threadid=27120

I was told flat out that the only acceptable modification is alloy wheels.

I'm now with privilege and I am much happier.... and better off to. If I was you guys I would be very careful to continue using L&V.

More fool them though, they lost a customer yesterday with over 5 years NCB. Not exactly a 'risk'.

639 SUB

Just rang them, they wont insure my car with a Stainless Exhaust or upgrade to a MY 00 rear spoiler, because their policy on Modifications has changed in the last week.
But 18" Alloy wheels would be an OK mod.

mick02wrx

Several of you have mentioned the fact that mods or extra mods will not now be allowed, what bothers me is how can liverpool and victoria regulate this decission when they dont reccord the mods youve already got as long as they dont increase the engine size. So how could they possibly say what was an existing mod and what is a new mod?

Mick

bluenosewrx

iTrader: (2)

I have just got a policy from L and V, £654 Fully Comp ,protected no claims etc.
Direct Line renewal came in at £1013. Told them to beat it.

35 Yr old,8Yrs no claims. yorkshire postcode.also have 6pts which L and V said they don't take into account as long as i haven't had a ban.

exellent service IMHO.

Mac.

SCD Simon

iTrader: (1)

Just had my renewal from L & V and the premium is down again a bit as i'm now on 75% NCD (guaranteed)
They have my mods on listed on the policy including PPP but then again i'm an existing policy holder.
I better not leave them now.

Crockel

Just to add to the general fun...I also Insure with L&V.

On the 17th November I rang them up and said 'I want to fit a Prodrive exhaust system to my Terzo today- any problems?'

Answer:'No sir, no extra premium, I will amend your policy and send it out to you.' Two days later sure enough the Insurance documents are on the doormat listing the exhaust modifications.'

Great service for me- complete inconsistency though looking at the way others have been treated.

Lee

pan93wrx

they take the p***! wouldn't insure me cause of full stainless scoobysport system. i've been insured with them for the last 18 months!!

markus_UK

I insured a MY04 PPP car in August with L&V - no problem. I had nothing on my documents to say that the PPP was ok - but was told the usual stuff on the phone '..as long as the cc stays the same etc etc .....'

Anyway, after reading this thread I phoned them up again and asked them to check that I was insured with the PPP. They said yes, but could not put it in writing as their system does not take that information down (the same for parking car in garage - they do not record that either so have no way of putting it in writing) ...

However, they said they believed that the overall risk (and hence cost) of insuring a WRX was going up and therefore new customers were likely to get a worse deal than people like me ...... (I wonder what I will be offered next year ??!)....

Any - just some info for ya !

Makr

TONY F

hi all, spoke to L & V today to ask about graphics on my scoob, they told me it would not affect my policy in any way, even spoke to a suppervisor to double check


tony

pslewis

L&V seem great - just got a quote, £429.

Although its higher than last years £399 from Norwich Union I suppose I have to suffer for those who can't drive properly

Anyway, it includes Business Travel too! seems a good deal then?

Pete

R1916v

LV wouldn't touch me on the poxy 19, said I had to be 30! Odd when I only pay 260 a year to insure it now....

andypugh2000

What I can gather from this is that existing customers like myself can carry on modding their cars except for engine size and new customers will not get the same deal, I have no mods listed with them as they told me It will not list mods but to photograph them if i wanted to claim for them, now that doesnt bother me as all my mods are second hand and relatively cheap, what would annoy me is not being able to insure with mods

Waiting for my renewal to turn up so will let you know

andy