And the PPP comprises.......
14 August 2002, 07:22 PM
#1
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I have just been talking to Direct Line insurance who want to know exactly what is in the PPP for a MY01/02.
Am I correct in thinking it's:
-Upgraded engine management system (ECU)
-Upgraded intercooler piping
-Stainless steel performance exhaust silencers
Or is there more to it?
Answers on a postcard please
Am I correct in thinking it's:
-Upgraded engine management system (ECU)
-Upgraded intercooler piping
-Stainless steel performance exhaust silencers
Or is there more to it?
Answers on a postcard please
14 August 2002, 11:46 PM
#3
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Hi,
you can just say a 10% manafacturer upgrade to performance to directline. I did, but that includes basically a tick in the engine upgrade box and exhaust box. On the bright side thats all they want. You can keep modding your engine till your hearts content as long they have those ticks. On the down side a aftermarket air filter claims the same tick to the engine box.
I had a long discussion with them about this trying to explain what i was having done. The options on the insurance simply dont cater for single elements and i have to say now im glad
Cheers
Paul.
you can just say a 10% manafacturer upgrade to performance to directline. I did, but that includes basically a tick in the engine upgrade box and exhaust box. On the bright side thats all they want. You can keep modding your engine till your hearts content as long they have those ticks. On the down side a aftermarket air filter claims the same tick to the engine box.
I had a long discussion with them about this trying to explain what i was having done. The options on the insurance simply dont cater for single elements and i have to say now im glad
Cheers
Paul.
15 August 2002, 01:27 PM
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Paul,
Thats really bad advise...
If you fail to declare EVERYTHING and they find something - they will invalidate your insurance. And inspectors are now switched on to modded impreza's and the like.
Because you fooled the girl in the call center into sending you a policy wont count JACK **** when you claim and they tell you you didnt declare everything...
Dont give bad advise m8 - you may get away with it but this dude may not
You have been warned....
PPP = uprated ECU, New pipe to intercooler, and a decatted mid and rear section to the exhaust.
245bhp and 261lb/ft's
Jza
Thats really bad advise...
If you fail to declare EVERYTHING and they find something - they will invalidate your insurance. And inspectors are now switched on to modded impreza's and the like.
Because you fooled the girl in the call center into sending you a policy wont count JACK **** when you claim and they tell you you didnt declare everything...
Dont give bad advise m8 - you may get away with it but this dude may not
You have been warned....
PPP = uprated ECU, New pipe to intercooler, and a decatted mid and rear section to the exhaust.
245bhp and 261lb/ft's
Jza
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15 August 2002, 03:21 PM
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Every single inspector will spot a none-standard air filter immediately, along with wheels and zorsts it's the easiest and therefore first to get inspected.
Bottom line is you must declare everything - even stuff that does not change the performance of the car. It's MODIFICATIONS they want to know about.
Hope this helps !!
Bottom line is you must declare everything - even stuff that does not change the performance of the car. It's MODIFICATIONS they want to know about.
Hope this helps !!
15 August 2002, 03:58 PM
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Jza, who pissed in your cornflakes :P
O.K. what I said came across wrong. But I did explain that I tried to tell them everything that was included and declared everything, I never fooled anyone? However, the options on the policy simply dont cater for the likes of uprated intercooler piping etc!!! This comes under an engine modification. Of course tell them what youve had done, in my experience the clerks simply don't have the multiple choice matches. My point is that the ppp consists of an engine upgrade and an exhaust upgrade and its a manafacturer upgrade of around 10% increase in performance. This is an option on the direct line modification list.
As for bad advice, well I had a rather nasty accident with the PPP package installed under the said policy. I had two inspections one by a direct line inspector and one by an independent inspector. I also spoke at length with direct line inspector who rang me up and asked me what mods I had done? So i told him what the PPP consisted off and he said got reciepts, yes I said. So I am speaking from experience with this ins company.
Appreciate that not every situation is the same but see if you can get intercooler piping on a directline policy i'll be amazed. I never said "dont" decalre things. I always do however in my experince if it doesnt change the performance of my car they are not interested. Like my quickshift. They are not even interested in my ppp brakes, although i think I should have had a reduction due to the extra stopping power
Cheers
Paul.
:P O.K. what I said came across wrong. But I did explain that I tried to tell them everything that was included and declared everything, I never fooled anyone? However, the options on the policy simply dont cater for the likes of uprated intercooler piping etc!!! This comes under an engine modification. Of course tell them what youve had done, in my experience the clerks simply don't have the multiple choice matches. My point is that the ppp consists of an engine upgrade and an exhaust upgrade and its a manafacturer upgrade of around 10% increase in performance. This is an option on the direct line modification list.
As for bad advice, well I had a rather nasty accident with the PPP package installed under the said policy. I had two inspections one by a direct line inspector and one by an independent inspector. I also spoke at length with direct line inspector who rang me up and asked me what mods I had done? So i told him what the PPP consisted off and he said got reciepts, yes I said. So I am speaking from experience with this ins company.
Appreciate that not every situation is the same but see if you can get intercooler piping on a directline policy i'll be amazed. I never said "dont" decalre things. I always do however in my experince if it doesnt change the performance of my car they are not interested. Like my quickshift. They are not even interested in my ppp brakes, although i think I should have had a reduction due to the extra stopping power
Cheers
Paul.
15 August 2002, 05:44 PM
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So anyway...
Just got off the phone with Direct Line and gave them the exact details, to which their reply was 'what's that then!'.
They eventually included the details as:
Upgraded Chip
Upgraded Exhaust
Increase in power (less than 20%)
The intercooler piping wasn't on their list so they chose to ignore it.
FYI:
Standard MY02, Surrey, no accidents in last three years, no points, wife on policy, £400 accidental damage xs, £699.
Same but with PPP £974 + Tracker
Just got off the phone with Direct Line and gave them the exact details, to which their reply was 'what's that then!'.
They eventually included the details as:
Upgraded Chip
Upgraded Exhaust
Increase in power (less than 20%)
The intercooler piping wasn't on their list so they chose to ignore it.
FYI:
Standard MY02, Surrey, no accidents in last three years, no points, wife on policy, £400 accidental damage xs, £699.
Same but with PPP £974 + Tracker
17 August 2002, 06:17 PM
#14
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Bottom line is you must declare everything - even stuff that does not change the performance of the car.
17 August 2002, 10:22 PM
#15
Good point Carl.
I've asked this question before about mods but I don't think any one knows the answer. Where is the line drawn on non OEM parts? If in deed you had to delare everything then you'll need to tell them about that synthetic oil you've changed in the gear box that may make less friction, or DOT 5 brake fluid that may not perform as well as the recommended stuff or octane booster (how many people mention this as it definitely improves performance?).
Who's to say that your TIMAX replacement exhaust isn't better than std or that your Goodyear F1's made your car more attractive to thieves?
I'm sure the insurers will think you're a nut telling then about some of this stuff...
F
I've asked this question before about mods but I don't think any one knows the answer. Where is the line drawn on non OEM parts? If in deed you had to delare everything then you'll need to tell them about that synthetic oil you've changed in the gear box that may make less friction, or DOT 5 brake fluid that may not perform as well as the recommended stuff or octane booster (how many people mention this as it definitely improves performance?).
Who's to say that your TIMAX replacement exhaust isn't better than std or that your Goodyear F1's made your car more attractive to thieves?
I'm sure the insurers will think you're a nut telling then about some of this stuff...
F
18 August 2002, 12:46 AM
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Well all i can speak about is my experience. So i'll give you a run down.
Ive tried my hardest in the past to get every mod detailed on my policy. They just wont do it if it isn't on their list. I spoke about my quickshift etc. If you say you've had something done to the exhaust at all its a tick in the exhaust box. Then comes the "does it improve performance", well i quibble but basically accept a margin of x % increase in performance to cover my back. I don't want to have an accident then have some inspector say sorry you didnt declare that. I tried so hard to get the individual components of the ppp on my policy it was untrue but eventually all we could do is come to a compromise on what it actually is as has been stated above. I often wondered how they would prove any % increase in performance???? What they gonna do strip the engine out and dyno test it? Anyway.
I had an accident that was my fault, no one else involved. It was a bitch because of the usual red tape. Basically it was touch and go to being beyond repair, more on the go, the mods saved it. I think well i've been through hell with the insurer if anything comes back with anything i'll be more than annoyed.
At first i took it to their recommended repairer. A direct line inspector came out and rang me a week later. It was as if he hadnt even seen my policy... He just said right i need to know what mods youve done. I said well i've got the ppp, which i had to explain. All he said is how much did it cost and have you got receipts. Anyway, he added the mods at the price and wheels insured seperately etc and calculated the cost. He gave me the option, repair it or bin it. HMMMMMMMMMMMMMMMM, i calculated the costs and i would have lost about £4k in taking the money so queried the repairs, they take the parkers type price btw. Will it ever be the same again???? He assured me that it would be repaired to the manafacturers spec etc...Would it though, visions of crabbing etc and then there is this non subaru aware garage repairing it....I decided to accept the repair but i wanted it done by a subaru garage with all the geometry kit. That added i must say about 2 months of extra red tape. I wont go into the hassel i had but they even rang me about 3 months ago and asked if i wanted it repaired???? FFS....It was repaired in sept last yr.
So it had to go out for an independent inspector for some reason even though the direct line man had done the work. I spoke to him and said look the guys already approved it whats this about? Long story short, he said tell me exactly what mods you've got and can you prove it with receipts? Yes I said. He said ok we'll repair it then. At no point did anyone actually ask for the receipts.
So it got repaired at a reputable subaru garage at well a lot of money. The parts alone cost £6500 + and i had the whole thing resprayed except roof and boot as it was a good time to make it prestine at my own cost.
What i personally learned from this is that in this case they were not out to screw me for declared mods. This vehicle was push comes to shove and all i had on my policy was an ecu upgrade, exhaust, and engine, and 10% increase in performance. It seemed to me that there is wide brackets for mods that they sting you for on the policy price. I mean by that ticks in boxes...
Anyway, it was repaired and with a few niggles is back to brand new. Better than when i bought it. So now ive gone for fmic, bigger turbo, bigger injectors, different ecu. I rang them again. This is how it went...
"Im getting a fmic."
"whats that then? thats not on our list"
"its an engine mod"
"you already have that"
"ok"
"new turbo"
"is that part of the engine cos you already have that?"
"inj..."
etc...
At this point i again wonder, what the gonna do dyno it? But accept a 30% increase in performance for the cover even knowing that they didnt check it last time. Its probably gonna be more than that anyway
I wont give anyone any advice on insurance, i like to sleep at night. However, this particular insurer classes mods in a big bracket. An air filter change seems to add a lot to your policy and they are not specific enough to go to fmic etc. All this extra kit has added no extra money to my policy, all they cared about was the performance. Again, at no point have they asked me the cost of this stuff, except at the crucial time. The performance added money....Should i have bothered??? I cant even prove that its that much above...?
Im happy everythings declared and im happy with eventually the way this was dealt with. Id rather pay more for a company like this, even with the blatent faffing, than a smaller company out to screw you. The policy is steepish but it will take a lot to make me change to a non "experience" comp now.
Cheers
Paul
P.S. due to the no claims bonus protection although i lost a life my insurance policy went up 5£ only. The total cost of my repairs was £11500+ inculding labour.
[Edited by paulwadams_my99 - 8/18/2002 12:55:59 AM]
Ive tried my hardest in the past to get every mod detailed on my policy. They just wont do it if it isn't on their list. I spoke about my quickshift etc. If you say you've had something done to the exhaust at all its a tick in the exhaust box. Then comes the "does it improve performance", well i quibble but basically accept a margin of x % increase in performance to cover my back. I don't want to have an accident then have some inspector say sorry you didnt declare that. I tried so hard to get the individual components of the ppp on my policy it was untrue but eventually all we could do is come to a compromise on what it actually is as has been stated above. I often wondered how they would prove any % increase in performance???? What they gonna do strip the engine out and dyno test it? Anyway.
I had an accident that was my fault, no one else involved. It was a bitch because of the usual red tape. Basically it was touch and go to being beyond repair, more on the go, the mods saved it. I think well i've been through hell with the insurer if anything comes back with anything i'll be more than annoyed.
At first i took it to their recommended repairer. A direct line inspector came out and rang me a week later. It was as if he hadnt even seen my policy... He just said right i need to know what mods youve done. I said well i've got the ppp, which i had to explain. All he said is how much did it cost and have you got receipts. Anyway, he added the mods at the price and wheels insured seperately etc and calculated the cost. He gave me the option, repair it or bin it. HMMMMMMMMMMMMMMMM, i calculated the costs and i would have lost about £4k in taking the money so queried the repairs, they take the parkers type price btw. Will it ever be the same again???? He assured me that it would be repaired to the manafacturers spec etc...Would it though, visions of crabbing etc and then there is this non subaru aware garage repairing it....I decided to accept the repair but i wanted it done by a subaru garage with all the geometry kit. That added i must say about 2 months of extra red tape. I wont go into the hassel i had but they even rang me about 3 months ago and asked if i wanted it repaired???? FFS....It was repaired in sept last yr.
So it had to go out for an independent inspector for some reason even though the direct line man had done the work. I spoke to him and said look the guys already approved it whats this about? Long story short, he said tell me exactly what mods you've got and can you prove it with receipts? Yes I said. He said ok we'll repair it then. At no point did anyone actually ask for the receipts.
So it got repaired at a reputable subaru garage at well a lot of money. The parts alone cost £6500 + and i had the whole thing resprayed except roof and boot as it was a good time to make it prestine at my own cost.
What i personally learned from this is that in this case they were not out to screw me for declared mods. This vehicle was push comes to shove and all i had on my policy was an ecu upgrade, exhaust, and engine, and 10% increase in performance. It seemed to me that there is wide brackets for mods that they sting you for on the policy price. I mean by that ticks in boxes...
Anyway, it was repaired and with a few niggles is back to brand new. Better than when i bought it. So now ive gone for fmic, bigger turbo, bigger injectors, different ecu. I rang them again. This is how it went...
"Im getting a fmic."
"whats that then? thats not on our list"
"its an engine mod"
"you already have that"
"ok"
"new turbo"
"is that part of the engine cos you already have that?"
"inj..."
etc...
At this point i again wonder, what the gonna do dyno it? But accept a 30% increase in performance for the cover even knowing that they didnt check it last time. Its probably gonna be more than that anyway
I wont give anyone any advice on insurance, i like to sleep at night. However, this particular insurer classes mods in a big bracket. An air filter change seems to add a lot to your policy and they are not specific enough to go to fmic etc. All this extra kit has added no extra money to my policy, all they cared about was the performance. Again, at no point have they asked me the cost of this stuff, except at the crucial time. The performance added money....Should i have bothered??? I cant even prove that its that much above...?
Im happy everythings declared and im happy with eventually the way this was dealt with. Id rather pay more for a company like this, even with the blatent faffing, than a smaller company out to screw you. The policy is steepish but it will take a lot to make me change to a non "experience" comp now.
Cheers
Paul
P.S. due to the no claims bonus protection although i lost a life my insurance policy went up 5£ only. The total cost of my repairs was £11500+ inculding labour.
[Edited by paulwadams_my99 - 8/18/2002 12:55:59 AM]
18 August 2002, 01:20 AM
#17
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I have found Direct Line to be the same, when i bought my car I declared ALL the modifications to them!
I added a K&N Induction Kit to my car on Monday evening, called them up Monday afternoon to declare it (BEFORE Installation) to be told, no worries, I am already covered for engine modifications with upto a 20% performance increase.
If I ever did have a problem with Direct Line should a claim ever arise I would refer them to there telephone logs where I have quite clearly described all my modifications to them. Each time I have added a modification i have asked the person I have spoke to them, I get them to fax me over on headed paper a note confirming the addition of the modification to my policy. Probably over kill, but I like to make sure my ar$e is covered just in case the worst should happen.
I added a K&N Induction Kit to my car on Monday evening, called them up Monday afternoon to declare it (BEFORE Installation) to be told, no worries, I am already covered for engine modifications with upto a 20% performance increase.
If I ever did have a problem with Direct Line should a claim ever arise I would refer them to there telephone logs where I have quite clearly described all my modifications to them. Each time I have added a modification i have asked the person I have spoke to them, I get them to fax me over on headed paper a note confirming the addition of the modification to my policy. Probably over kill, but I like to make sure my ar$e is covered just in case the worst should happen.
18 August 2002, 04:22 PM
#18
have you checked privelige ?? they dont care about PPP as its a manufacturer add on ! good quotes from them too
18 August 2002, 05:07 PM
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-- what's the difference between having a non-OEM stainless exhaust (e.g. Scoobysport) and a Timax one from Kwik-Fit?
Thats ok..
Rob
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