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Would you expect an insurance hike for a higher spoiler?

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Old 11 June 2001, 09:15 AM
  #1  
chuckster
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I'm afraid so, the car will be deemed more desireable so more 'nickable' so risks are increased therefore premium is increased.
Chuck

[Edited by chuckster - 11/6/2001 9:16:24 AM]
Old 06 November 2001, 09:01 AM
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scoobysnacks
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Just wondering as I'm thinking of fitting one to my MY98 WRX.
Old 06 November 2001, 09:15 AM
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kav
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Hi mate

Nothing would surprise me these days.

Cheers
Kav
Old 06 November 2001, 09:19 AM
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zoog
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It would also suggest to the insurers that you will be driving faster hence need a bigger spoiler, so raising risk of crashing seriously, and therefore their exposure.
Old 06 November 2001, 10:43 AM
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RICH WILD
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With insurers, never give them more information than you have to, don't lie but don't spill you guts either.

Tell them the spoiler you have and the spoiler you intend to fit, e.g. I'm swapping a MY98 spoiler for a 22b one. Don't mention whether it's bigger or not, let THEM find that out. Chances are they won't be bothered finding out and will say it makes no difference, and as long as you get that in writing, you are covered. When it comes down to it you've not lied, you've told them exactly what you plan to do, but the minute you mention BIGGER, FASTER, UPRATED etc. their ears ***** up and it's an instant hike in premium.

Something I learned in my lawyer days, never volunteer more information than you have to. The more you say, the more you incriminate yourself.

Some people may question my ethics, but hey, don't these parasites make enough money from us already? You wouldn't be cheating the system, just WORKING it, and there is no law against that!

Try it and see, the worst that can happen is they DO increase it, best case is you get the spoiler for no increase in premium!!

That's my advice anyway

Rich
Old 06 November 2001, 12:34 PM
  #6  
gaz1049
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Tesco's would increase my premiums for my MY01 by £50 for a scoobysport WRC spoiler. They would increase it £70 per PPP. Go figure!!!

Gaz

Old 06 November 2001, 12:36 PM
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sKunk
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Admiral told me there was no increase for body mods but they are far too expensicve anyway and I'm changing to Axa who I have not asked yet
Old 06 November 2001, 06:57 PM
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Robertio
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Lightbulb

When I got mine fitted I was with Direct Line and had no increase Sti V5 rear wing) but I did hear of one person who was looking at a £150 hike for the same change
Old 06 November 2001, 07:13 PM
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barge
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My insurance co said NO to the fitting of a My00 high spolier in replacemnet of my low job
Old 06 November 2001, 08:52 PM
  #10  
mega_stream
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Unhappy

Robertio

That wa me

I was all ready to order from DRM, thought better check the insurance just incase, Norwich Union Direct by the way.

Sticking with my standard highline one now
Old 06 November 2001, 09:52 PM
  #11  
RichiW
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Sti5 spoiler.....extra £50
Old 06 November 2001, 09:56 PM
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NM
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I am with DL and have a MY98 as standard very small boot spoiler, changed it for the MY99 stylie raised jobby. No increase as it has a rear brake light in it. didnt tell them the old one had one though .

Cheers

Neal
Old 06 November 2001, 10:00 PM
  #13  
suba
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Cool

tell the insurance company that the high spoiler is for chaining the car round a lamp post as you cant with the low spoiler.
Old 06 November 2001, 10:19 PM
  #14  
Gary Foster
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Phone them before you purchase, AXA gave me 2 weeks to remove some of my mods or else face cancellation of my insurance. I wouldn't recommend AXA to anyone, that was very worst £1500 I have ever spent.
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