Date: Fri, 17 May 2002 12:38:37 +0100
From: "Nicko" <nickmailnopsamthisoutmac.com>
Subject: Re: Hirsch and Saab Insurance - UK


Reading through my insurance conditions I also see that if I have a car phone kit fitted I have to advise my insurers of the "modification". How many people remember to do that ! Nicko "Johannes H Andersen" <johsnopsamanytime.co.uk> wrote in message news:3CE4C6C6.93644838nopsamanytime.co.uk... > > > Nicko wrote: > > > > Strange that Saab Insurance wouldn't quote to cover my 9-5 Estate SE with a > > Hirsch step 1 Trionic power upgrade. > > > > "We don't cover either Hirsch or Abbott conversions" they told me. > > > > Shame, particularly as Saab and Hirsch are supposed to be working together > > on these performance upgrades. > > > > Shopping around for insurance quotes has been an interesting experience. In > > the end I got a quote that was much the same as I was paying before I got > > the conversion done - so it pays to shop around. > > > > The message is that there are companies that are sympathetic to > > modifications, and those that don't touch them. Save yourself time by asking > > if they cover modified cars before they take you through the dozens of other > > questions they ask before they get to the "is your car modified in any way" > > question. > > > > The policy I took out is underwritten by Royal & Sun Alliance Insurance. > > > > The broker I used was recommended by Reading Saab who carry out plenty of > > the Hirsch upgrades. > > > > Anyone else had any insurance problems/experiences with modifications ? > > > > At least I was honest enough to admit to the insurers I had got the work > > done ! Would they have been able to find out if I hadn't told them and made > > a claim ?! > > > > Nicko > > > Yes, you have to be careful informing insurers that the car has been modified. > Even minor trim changes can make the car more "desirable" in their eyes and > make the car more likely to be stolen, hence greater risk. I had to leave one > ins company that refused to insure my Saab 9000 CSE when I replaced the original > Saab 15" alloys with other Saab (genuine) 16" alloys! The ins didn't want ANY > modifications - full stop. Just to make sure, I now inform the insurers of > absolutely everything, even that my car has a non-approved immobiliser fitted. > It doesn't count for reduction, rather it is a modification in their eyes. > > Johannes > > http://users.surfanytime.co.uk/johs

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