Direct Line and Modifications..
20 November 2008, 12:28 PM
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Direct Line and Modifications..
Does anyone have any experience of declaring mods with Direct Line? Just wondering before I phone Direct Line and ask them...
Plus, you need a tracker with them, or the 'theft' part of the policy is void.
20 November 2008, 01:23 PM
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They ask for a tracker for a WRX but not for an STI...
I've got a tracker anyway but must be a glitch in their system, my policy docs didn't ask for proof either....
I've got a tracker anyway but must be a glitch in their system, my policy docs didn't ask for proof either....
20 November 2008, 01:32 PM
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You got 2 threads going? I answered this one once!!
Keith Michaels, Ask for Gary Moulson 0208 288 0275 - A lot of people on here are insured through him. He has a WRX. Don't think he's there today though, had heard he was going to Brands Hatch today.
Keith Michaels, Ask for Gary Moulson 0208 288 0275 - A lot of people on here are insured through him. He has a WRX. Don't think he's there today though, had heard he was going to Brands Hatch today.
20 November 2008, 05:15 PM
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20 November 2008, 08:40 PM
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The problem with the big companies, is that most of their staff don't understand modifications. Try explaining that you have replaced the standard droplinks, and all they can do is put 'suspension modification'.
Thats why a backbox change which doesn't affect BHP results in a large premium rise, all they have to choose from is 'stainless steel exhaust'.
If you are modifying you are far better off with someone like Gary at Keith Michaels, or Greenlight. At least you will be sure that if you describe the modifications correctly they won't quibble come payout time. They will probably cover your mods as well.
When I first insured with Privilege, I told them I had a WR Sport backbox which didn't affect bhp, and they said it didn't matter. When I renewed I pointed it out again, and they said it was an extra £150, and I hadn't been correctly covered for the previous year!!!!!
And the specialists generally don't require a Tracker subscription - saving you over £100 a year for a start.
Thats why a backbox change which doesn't affect BHP results in a large premium rise, all they have to choose from is 'stainless steel exhaust'.
If you are modifying you are far better off with someone like Gary at Keith Michaels, or Greenlight. At least you will be sure that if you describe the modifications correctly they won't quibble come payout time. They will probably cover your mods as well.
When I first insured with Privilege, I told them I had a WR Sport backbox which didn't affect bhp, and they said it didn't matter. When I renewed I pointed it out again, and they said it was an extra £150, and I hadn't been correctly covered for the previous year!!!!!
And the specialists generally don't require a Tracker subscription - saving you over £100 a year for a start.
Last edited by escott; 20 November 2008 at 08:42 PM.
20 November 2008, 10:14 PM
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Oh i'd say shed loads, i insure my Escort cossy with LIFESURE, and declared mods. Woodford 340, but actually RnR'd and making 376.3 and shed loads of mods. Over 20k worth and they agreed a valuation and were the cheapest by nearly £370.
20 November 2008, 11:44 PM
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I worked for Directline for 4.5 years mate, doing motor claims. They don't really like mods, and they won't insure you with mods if you're under 25. If you have undeclared mods, and have to claim, the normal procedure is to back date the policy to when the mods were added, and then they will charge you an additional premium.
What are your mods? Like has been said, maybe better to find a specialist insurer, as i think with a lot of big companies, they are not too keen on modifications.
What are your mods? Like has been said, maybe better to find a specialist insurer, as i think with a lot of big companies, they are not too keen on modifications.
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