slippyr4

Hi,

I've finally decided to go for the PPP on my MY01.

Yesterday I called my insurance company to find out how much extra they're gonna screw me for...

I explained to the guy that it was an official Subaru upgrade and said he might have it on his computer system, but he didn't. I then tried to explain to him the three components of the pack.

He understood the exhaust properly (I think!). I told him about the "revised intercooler ducting". I had to explain to him what an intercooler was for, and he then said "right, so you're fitting an intercooler?" !!! idiot. I said No, it's just new hosing that connects it up. He said- oh i don't think we'd bother even listing that as a modification.

Same story with the ECU remap. He thought I was adding an ECU to the car. When I said it'd already got one, he again said I don't think we'd list that either.

I told him that the net result of the three components was approx 10% power increase. Based on this, he quotes me £26 extra premium...

Whilst a nice figure, to me this doesn't seem enough, and i'm very anxious that they could come back to me in the event of a claim and say the modifications weren't listed on the policy.

Therefore, what I'm looking for is some kind of official subaru/prodrive document/leaflet, anything really, that describes the PPP components and the performance gains. I will then send this to my insurers and make them quote based on that, and have that paperwork left "on file", so there can be no doubt as to what modifications my car has.

I asked my subaru dealer for help, but he only had info based on the MY99 PPP, but i need info for the MY01 (i know its mostly the same, but the leaflet says "for the MY99 Impreza only".

Can anyone help me?

Thanks

Jon

DrEvil

245Bhp/265lbs torque if that helps, thats up from the standard 218Bhp/240lbs torque (i think).

PS. Components are mid section + back box, 1x intercooler pipe in blue, and ECU..

[Edited by DrEvil - 1/24/2002 4:08:35 PM]

mutant_matt

Jon,

If I were you, I'd pay the £26 and get a letter from them stating that the PPP is included in cover. I'm not sure I'd even bother with the details if you don't have to.

If they are not clued up enough to charge you more, that's their problem. As long as you have written proof that they cover the mods, then you're covered (as far as I can see).

Perhaps Dave T-S/Rum would like to comment?

Matt

fazack

Just out of interest, who's the insurance company and what does the PPP cost ?

Brendan Hughes

Well, this must be a first! "Scoobynetter complains that insurance company isn't charging him enough!"

Can't wait til Dave T-S and Rum* see this thread, they'll fall off their chairs....

PSI3

Jon,
The UK300 brochure has a section about the PPP, it list additional parts plus power increases with graphs etc..

If you need a copy let me know.

simon

mrx76

Slippy, I am also going for the MY01 PPP and am in your area. Where are you gonna get it fitted? Just wondering the best local dealer to get it done?

Sorry for the hijacking

slippyr4

The insurer is Direct Line, the £26 is to cover just the final 4 months of the policy. The full premium (originally) was £1360, cos I'm 22 / 3yrs NCB.

The PPP costs £1600.

Obviously, I don't wanna pay more than £26... but, after the uninspiring conversation with Mr I. Diot on the phone, I feel sure that my policy would probably just say "Performance exhaust pipe". And, since all insurance companies are just legalised thieves, i'm feel that there'd be a risk of them trying to claim my insurance invalid if i had to claim.

I do not want to be in this situation; gets you a) in trouble, b) could lose your car and c) if i maimed someone they'd not get any compensation (which is the most important).

slippyr4

mrx76,

I was going to use my local Subaru dealer, Oakley Garage. They're a nice lot there, and they do it in house.

Oakley is ever so slightly north of bedford, just off the A6. Bout 3 miles from the Bedford Autodrome in fact.

mutant_matt

Jon,

Which is why you get them to provide you with documentation which says Subaru Impreza Turbo WRX MY01 with Prodrive Performance Pack fitted. If you have that, you are covered.....

Matt

Phil

Whilst my car is a company car

When I advised our insurers about the PPP I faxed a copy of the Prodrive Certificate with a copy of the invoice I was told there would be no increase in premium

I said to the broker are you sure and he said they may increase premium next year

Result and its in writting from our brokers


Phil

Rum*

*ROTFLMAO* ....ummmmm....I see the problem here....you're not paying enough....I suggest you cancel that policy and move to a proper broker....he he...like me...and I'll charge you loads more for the PPP!!!!

Seriously though you have a very valid point. The problem is a lack of understanding, which, in the event of a claim could well go against you.

As stated above I would ensure that you send a letter to the insurance company, probably recorded delivery, detailing the Prodrive Performance Pack, costs and what exactly is involved - I would also suggest that you mention the approximate performance gain/increase.

Unfortunately upon receipt of this I feel fairly confident that they will try and increase the premium they have charged - however at least you know that FULL cover will be in place...

As for a leaflet it might be an idea to drop IMG/Subaru UK a line and ask them to detail this to you asap...I am sure they will try and assist...

Out of interest...crossing fingers....touching wood and all that....it isn't us that insure you...is it?????

All the best

Tom

mrx76

Slippy, I live in Luton so not too far. Got my car from Anthoney Betts and am too keen on them doing it. I also have insurance with direct line but have not spoken to them yet. Will be interested to know how you get on.

Mark

slippyr4

mrx76,

Luton's in Bedfordshire mate ;-)

mutant_matt

Rum,

Surely the onus is on them to understand and load according the PPP? If they agree the "PPP", regardless of any other factors (like what parts are invloved, how much power gain etc.) and he has this in writing, surely in the event of a claim, the Broker/Insurance Company wouldn't be able to wriggle out of the claim? (not insinuating that Insurance companies would try such an underhanded thing of course )

Matt

Rum*

Matt, I agree...if you have had written confirmation that the car has been modified with a Prodrive Performance Pack (PPP)....then I do not feel it is an issue....the issue is when you receive an amended schedule that just says "policy amendment" or similar....with a pro-rata charge/increase...if thats the case, and regardless as to what the telesales member of staff has said...I would still send in details via recorded delivery

Anthony King

Rum,
There have been a lot of posts on Direct Line inconsistencies re mods. I was told that as long as they were dealer options my policy was not affected. I was told that this covered PPP, suspension, brakes you name it!

When I called in to advise re the morrettes they did not have a way of loading this type of change onto the system and used the term driving lights.

Is it the best policy to stick with specialists who understand the bits being stuck on the car the associated level of risk being taken on and set the premium correctly with no quibbles when a claim comes in. Personally I would rather pay a bit more to get this peace of mind.

slippyr4

Anthony,

I see where you're coming from, but most the specialist insurers were like £600 more than direct line. and thats a lot of beer.

Jon

mrx76

Jon,

Yea totally agree with that, had previous insurance with direct line and the qoute was quite good.

Oh and I work in Herts and it's a bit more posher than Beds

Dave T-S

Well, i'm not really qualified to reply because I specialise in American medical malpractice reinsurance and the like; but, ho hum....my reaction to these type of post is always "put it in writing".........

boomer

slippyr4,

i had similar problems when i tried Direct Line. The Neanderthal on the phone didn't have a clue what PPP was, and simply loaded "engine mods and exhaust mods" to the quotation. This caused the GBP834 for a standard MY01 turbo to leap to GBP1223 for the extra 18PS worth of power.

Tesco, on the other hand, know exactly what PPP was, and quoted GBP846 for the engine mods (plus morettes).

FWIW, from the UK300 (engine is same as a MY01) brochure:

Standard = 218PS
PPP = 230PS
PPP plus SUL = 245PS

You might need some "excessive grin cream" if you do fit a PPP, otherwise your face will start hurting whenever you drive

mb

[Edited by boomer - 1/24/2002 11:08:30 PM]

Anthony King

I would have thought that with all that specialist knowledge people like Rum would be able to assess risk and hence negotiate better deals for us drivers.

Dave T-S

The underwriter decides what the risk is, the broker merely suggests what it might be........frequently never the twain shall meet (no offence to Tom)

[Edited by Dave T-S - 1/25/2002 9:14:03 PM]

Anthony King

This is the sort of thing I thought someone like Run could avoid happening - http://www.scoobynet.co.uk/bbs/thread.asp?threadid=67591

tezza

slippyr4

I am with directline, and the person I spoke to knew what ppp was and said it was listed. Extra cost was about £115 if I remember correctly. When adding brakes and de-cat no extra costs, which was very odd.

Terry