Date: Fri, 17 May 2002 10:00:54 +0100
From: Johannes H Andersen <>
Subject: Re: Hirsch and Saab Insurance - 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

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