Liverpool Victoria cancelling policies with mods?
#1
Scooby Regular
Thread Starter
Join Date: Mar 2003
Location: Manchester
Posts: 259
Likes: 0
Received 0 Likes
on
0 Posts
Liverpool Victoria cancelling policies with mods?
Just read on the scoobycity web site. Anybody know if this is true?
I have loads of mods on mine, mainly due to the fact that at the time of taking out my policy mods were not "a problem - as long as the cc is not increased". My policy is up for renewal Novemeber!
http://www.scoobycity.co.uk/phpBB2/v...d5a6f58#122714
I have loads of mods on mine, mainly due to the fact that at the time of taking out my policy mods were not "a problem - as long as the cc is not increased". My policy is up for renewal Novemeber!
http://www.scoobycity.co.uk/phpBB2/v...d5a6f58#122714
#3
Scooby Regular
Join Date: Oct 2003
Location: 1994 WRX STI VERSION 1 No. 21/200
Posts: 2,803
Likes: 0
Received 0 Likes
on
0 Posts
#5
Former Sponsor
iTrader: (234)
Surely not I took my insurance just a couple of weeks ago with Liverpool Victoria and they catergorically said that mods were no problem at all. They even said that the mods would be replaced like for like in the event of a claim (and not replaced with std bits). Also confirmed that no alarm, immobiliser or tracker were needed. Told me just to take pics of the mods and paperwork if avail but not to send it in.
I have it all on tape
Bob
I have it all on tape
Bob
#6
Scooby Regular
Thread Starter
Join Date: Mar 2003
Location: Manchester
Posts: 259
Likes: 0
Received 0 Likes
on
0 Posts
Glad to hear people are still renewing without any problems. Perhaps the previous problems reported are due to something else.
I will see what happens in November!
I will see what happens in November!
#7
Scooby Regular
Join Date: May 2002
Location: 2005 sso, 1/4 finals,3rd in 60ft; 2004 sso,semi finals,2nd in 60ft time; 2003 standard car 2nd 60ft
Posts: 4,909
Likes: 0
Received 0 Likes
on
0 Posts
my renewal is due next month ive got a 22B with 7k worth of mods and they are fine about it its even come down abit
polo 1.9SE tdi 115bhp
22B 400LBS TORQUE with £7k worth of mods
£850 fully comp thats for both cars
polo 1.9SE tdi 115bhp
22B 400LBS TORQUE with £7k worth of mods
£850 fully comp thats for both cars
Trending Topics
#9
Scooby Regular
iTrader: (9)
Join Date: Oct 2003
Location: InTheSticks
Posts: 6,120
Likes: 0
Received 0 Likes
on
0 Posts
Just called them for a quote and they say that you can modify the car as long as it does not increase the cc OR BHP !!!
So maybe you'd better all check again then!!!
Any other useful insurers that I can try??
So maybe you'd better all check again then!!!
Any other useful insurers that I can try??
#10
Former Sponsor
iTrader: (234)
Originally Posted by little'un
Just called them for a quote and they say that you can modify the car as long as it does not increase the cc OR BHP !!!
So maybe you'd better all check again then!!!
Any other useful insurers that I can try??
So maybe you'd better all check again then!!!
Any other useful insurers that I can try??
#11
Scooby Regular
I would get any statements from them in writing and not just reply on some numbskull at the other end of the phone.
I wouldn't like to hear that they said it was OK, then later refused a claim.
Have any of you listed mods on the Insurance policy documents?
Stefan
I wouldn't like to hear that they said it was OK, then later refused a claim.
Have any of you listed mods on the Insurance policy documents?
Stefan
#12
Former Sponsor
iTrader: (234)
Originally Posted by ozzy
I would get any statements from them in writing and not just reply on some numbskull at the other end of the phone.
I wouldn't like to hear that they said it was OK, then later refused a claim.
Have any of you listed mods on the Insurance policy documents?
Stefan
I wouldn't like to hear that they said it was OK, then later refused a claim.
Have any of you listed mods on the Insurance policy documents?
Stefan
They just tell you to keep receipts/photos.
Would really like to get to the bottom of this.
#13
Scooby Regular
Join Date: Sep 2003
Location: Glasgow
Posts: 499
Likes: 0
Received 0 Likes
on
0 Posts
NOPE .. NO "something else " !!!!
Originally Posted by SuperFlyGuy
Glad to hear people are still renewing without any problems. Perhaps the previous problems reported are due to something else.
I took out my policy with LV in April .. was told everything u have read on here regarding mods .. My car is a UK , 1 year old 03 WRX Wagon ..
Now .. I have No previous problems , No Claims , I'm over 31 , 5 Yrs protected NCD , No criminal record , No points , No health problems .. NOTHING !
All mods okayed with them 1st ( PPP , Springs + Strutbrace ..HARDLY major mods ! ) , all even fitted by the Subaru Dealer ( ie official upgrades ) ..
What have I done wrong ? Do you see anything suspicious ? 'Cause I don't !
Steve
#14
Scooby Regular
Join Date: May 2002
Location: 2005 sso, 1/4 finals,3rd in 60ft; 2004 sso,semi finals,2nd in 60ft time; 2003 standard car 2nd 60ft
Posts: 4,909
Likes: 0
Received 0 Likes
on
0 Posts
Have any of you listed mods on the Insurance policy documents
the problem alot of people are having is there age if you are over 35 with l&v you can have wot you want realy
#15
Scooby Regular
Join Date: May 2002
Location: 2005 sso, 1/4 finals,3rd in 60ft; 2004 sso,semi finals,2nd in 60ft time; 2003 standard car 2nd 60ft
Posts: 4,909
Likes: 0
Received 0 Likes
on
0 Posts
TopBanana THEIRS NOT MANY ABOUT, 115 polos, and its the estate as well
my01 y reg 55k miles 1 owner
my01 y reg 55k miles 1 owner
Last edited by scooby-si; 05 October 2004 at 04:48 PM.
#16
Scooby Regular
Join Date: Jun 2004
Location: house in a street on the earth
Posts: 1,028
Likes: 0
Received 0 Likes
on
0 Posts
Chaps
Now arranged my insurance with them a few days ago and they also confirmed that any mods are allowed as long as you do not change the engine - that is the only thing they are interested in. I asked how this would effect me if the car was stolen, and the lady said not a problem but you must have evidence of them being installed (ie copies of the recipts from the items you purchased and then colour pictures of the items installed on your car. I will be going PPP route hence this question. No pictures, no refund if the car is stolen. And she said no need to have it outlined on the documents...
It could be, as there are conflicting stories, that it depends on your age and NCB etc as this is the only variable. I cannot see them letting a 21 year old fitting loads of mods and not increasing the premium, but then again, stranger things happen...
Andy
Now arranged my insurance with them a few days ago and they also confirmed that any mods are allowed as long as you do not change the engine - that is the only thing they are interested in. I asked how this would effect me if the car was stolen, and the lady said not a problem but you must have evidence of them being installed (ie copies of the recipts from the items you purchased and then colour pictures of the items installed on your car. I will be going PPP route hence this question. No pictures, no refund if the car is stolen. And she said no need to have it outlined on the documents...
It could be, as there are conflicting stories, that it depends on your age and NCB etc as this is the only variable. I cannot see them letting a 21 year old fitting loads of mods and not increasing the premium, but then again, stranger things happen...
Andy
#17
Scooby Regular
Join Date: Nov 2000
Location: 32 cylinders and many cats
Posts: 18,658
Likes: 0
Received 1 Like
on
1 Post
They told me that engine changes were fine and I've called them twice in response to threads like these to double check. They just renewed with something along the lines of:
Engine and carburrettor (!) mods
Suspension mods
Brake mods
Wheel and tyre mods
They wouldn't give me anything more specific in writing "because we don't do that".
So for a Puma 1.7 and 440 BHP Scooby they take about £1200 a year - wife is 31, I am 30. I only expect to get market value back for the Scooby in the event of a claim - about half what it is worth to me if that. It is a risk of modding IMHO.
OTOH these stories are quite concerning, you want to know above all that you have third party cover these days and not have hassle if you had a claim, and also I could do with the handy £8000 back if my Scooby was written off.
We've thrown them thousands over the years to insure up to 3 cars and never claimed apart from windscreen repairs, so perhaps that is something to do with it.
Engine and carburrettor (!) mods
Suspension mods
Brake mods
Wheel and tyre mods
They wouldn't give me anything more specific in writing "because we don't do that".
So for a Puma 1.7 and 440 BHP Scooby they take about £1200 a year - wife is 31, I am 30. I only expect to get market value back for the Scooby in the event of a claim - about half what it is worth to me if that. It is a risk of modding IMHO.
OTOH these stories are quite concerning, you want to know above all that you have third party cover these days and not have hassle if you had a claim, and also I could do with the handy £8000 back if my Scooby was written off.
We've thrown them thousands over the years to insure up to 3 cars and never claimed apart from windscreen repairs, so perhaps that is something to do with it.
Last edited by john banks; 05 October 2004 at 10:36 AM.
#18
Scooby Regular
Join Date: May 2002
Location: 2005 sso, 1/4 finals,3rd in 60ft; 2004 sso,semi finals,2nd in 60ft time; 2003 standard car 2nd 60ft
Posts: 4,909
Likes: 0
Received 0 Likes
on
0 Posts
right ive got the l&v man at my house now as ive got about 6 policies with them we are going to call the head office and sort it out, will post as soon as we have done this
thx
simon
thx
simon
#21
Scooby Regular
Join Date: May 2002
Location: 2005 sso, 1/4 finals,3rd in 60ft; 2004 sso,semi finals,2nd in 60ft time; 2003 standard car 2nd 60ft
Posts: 4,909
Likes: 0
Received 0 Likes
on
0 Posts
right then heres the low down on l&v
if you have an existing policy, you dont have any problems with your renewal (mods or no mods)
if its a new policy then they will not insure the car with mods (they will allow alloy wheels)
so i you are with l&v dont move if you have mods on your car
if you are not with l&v at the minute sorry UNLUCKY
lol@jjones
if its a new policy then they will not insure the car with mods (they will allow alloy wheels)
so i you are with l&v dont move if you have mods on your car
if you are not with l&v at the minute sorry UNLUCKY
lol@jjones
#22
Scooby Regular
Is this for "current policies" or "current customers"?
If I changed the car on my current policy would I be allowed to add mods to it or would this come under their new ban?
If I changed the car on my current policy would I be allowed to add mods to it or would this come under their new ban?
#23
Scooby Regular
Join Date: Dec 2000
Location: West Yorkshire
Posts: 3,828
Likes: 0
Received 0 Likes
on
0 Posts
'if you have an existing policy, you dont have any problems with your renewal (mods or no mods)'
From what date is this effective?
'if its a new policy then they will not insure the car with mods (they will allow alloy wheels)'
This has been said before and I took up a policy with them at the end of June 2004 and got the blurb said above that any mods are covered, take pics, no engine capacity changes. They had no problem with the mods I had.
Damian.
From what date is this effective?
'if its a new policy then they will not insure the car with mods (they will allow alloy wheels)'
This has been said before and I took up a policy with them at the end of June 2004 and got the blurb said above that any mods are covered, take pics, no engine capacity changes. They had no problem with the mods I had.
Damian.
#25
Scooby Regular
Join Date: Sep 2003
Location: Glasgow
Posts: 499
Likes: 0
Received 0 Likes
on
0 Posts
And the saga goes on .......
Originally Posted by Peanuts
just renewing now with L&V....
they have said mods are ok as long as I have proof in the event of a theft and the CC is standard.
they have said mods are ok as long as I have proof in the event of a theft and the CC is standard.
LET ME MAKE THIS CLEAR .. THE UNDERWRITERS OF THE COMPANY DO NOT INSURE MODIFIED VEHICLES .
Now it may be different someone of the phone sales team telling u otherwise but I promise u , the actual underwriters call the shots and do not insure modded vehicles !
Steve
#29
Scooby Regular
Join Date: Sep 2003
Location: Glasgow
Posts: 499
Likes: 0
Received 0 Likes
on
0 Posts
Not u .. BLOOMING LV ARE DRIVING ME MAD !
Originally Posted by john banks
You mean about me not following you or about LV? If it is in writing in an insurance schedule you would be on pretty strong ground in the event of a claim surely?
I mean about L.V. .. I think it's unbelievable that it's one story for one person , and a totally diff story for another . Also , annoyingly , I have explained 'til I'm blue in the face that they won't insure me , but they are giving new policies , renewing policies , and have current policies with LOADS of Scoobs , Skylines , Evos etc with mods , but they won't insure my car " as they don't insure modified vehicles " . When I tell them this , they cannot comment on other vehicles do u data protection act etc , and cannot look into it !
Edited to say , yes , they would HAVE to cover u since u have it in writing , in the event of a claim .
I give up !
Steve
#30
When I renewed my insurance last year with L&V, I informed them of my mods (PPP ecu and backbox) - no increase
At renewal time this year (30th sept) and following comments on here (i.e. no mention of Mods on insurance cert.), I thought I should check if they had my Mods listed on their system - took the lady I spoke to a few minutes to find the right 'screen', but sure enough she listed them exactly as listed last year. (PPP ecu/backbox - down as 'Engine/exhaust modification').So they do record these things...!
Should add that I have made a note of the person I spoke to and the date/time etc.
And (just to make u lot green...........) my premium is £362.09!!!! (54/75%ncb/cheap area)
alan
p.s. - declare mods at renewal time!!!!!!!!
At renewal time this year (30th sept) and following comments on here (i.e. no mention of Mods on insurance cert.), I thought I should check if they had my Mods listed on their system - took the lady I spoke to a few minutes to find the right 'screen', but sure enough she listed them exactly as listed last year. (PPP ecu/backbox - down as 'Engine/exhaust modification').So they do record these things...!
Should add that I have made a note of the person I spoke to and the date/time etc.
And (just to make u lot green...........) my premium is £362.09!!!! (54/75%ncb/cheap area)
alan
p.s. - declare mods at renewal time!!!!!!!!