Cup pack - warning!

[Monkey_beast_182]

I just rang up my insurance to see how much extra it would cost if I added an induction kit to my car, and found out they had my car listed as a standard 182. When I pointed out that it had the additional Cup pack option, they said it's classed as a modification, and are charging me an extra £54 for the priveledge! I can' t argue it because technically I'm not covered if I had an accident and hadn't declared it!

Grrrr!!!!!

MB_182

 

[.GAZ.]

shame that


p.s the bodyshop is gonna paint my cover..

 

[millzy]

surely if it had the cup pack option when it was first registered the car is standard, the car hasn't been modified. correct? im sure this has been discussed before

 

[Rob Clark]

depends on the insurers.
I had the same argument with direct line when i was looking at a meggy 225 and wanted cup packs, they were oblivious to it so wanted to charge me extra for it a s a mod

 

[Christopher]

get back on to them and set them straight!

the car has not been "modified outside of the standard specification" because it was registered WITH the Cup Packs.

 

[Fred@BTM]

its a standard car, they cannot charge you extra

does a car cost most to insure if it has factory fitted aircon? or sunroof? or leather?

 

[ForceIndia]

Check what it says on the V5, does it list as a 182 or 182 cup??

 

[MRBILLYUK]

What a joke . As said it's standard not a modification . Some insurance companys don't have enough information about the different specs of cars .

 

[McBunny]

its a standard car, they cannot charge you extra

does a car cost most to insure if it has factory fitted aircon? or sunroof? or leather?

actually fred yes it can do mini owners find this out alot with the different packs you will find if you dont notify them and they pay out you only get the cash for a standard 182 not 182 with cup packs

 

[Monkey_beast_182]

actually fred yes it can do mini owners find this out alot with the different packs you will find if you dont notify them and they pay out you only get the cash for a standard 182 not 182 with cup packs

Yup, that's what I thought, which is why I'm forking out the extra!

Grrrr!!!

 

[Fred@BTM]

well my mothers Audi A4 1.8 Tsport quattro (190bhp) is insured as that

they didn't ask what CD player is has, what interior, sun roof, electric seats etc

they may think it has a cloth interior and a tape player, but hey they never asked!

 

[Maz]

Couple of people a while back had a similar problem, I provided them with the original proof of purchase for my car that showed that the cup packs were factory fitted and not a modification and the insurance company accepted that.

 

[Has]

Right the car itself 182 Standard.

You have to declare any OPTIONAL EXTRAS:

...... in this case both Cup Packs (Cup Suspension + Cup Spoilers)




SAME applies to ANY car.

IF you add CD Changers, Alloys etc.... anythings thats an Optional Extra, even from Factory its an extra.

SO the insurer will have to pay extra to replace yours.


You MUST declare these optional extras otherwise it can void your policy.

 

[Has]

Couple of people a while back had a similar problem, I provided them with the original proof of purchase for my car that showed that the cup packs were factory fitted and not a modification and the insurance company accepted that.

Factory fitted or not. They ARE an OPTIONAL EXTRA from the manufacturer. So is not fitted as standard when you buy a 182 or any other car from a show room.

 

[Fred@BTM]

never heard that one before Has! so you buy an audi with EVERY optional extra and then have to sit on the phone for 5hours telling them about everything!

 

[Has]

never heard that one before Has! so you buy an audi with EVERY optional extra and then have to sit on the phone for 5hours telling them about everything!

Yer its utter shite......

But i see where they are coming from.


I suppose they cover there asses. If you buy a Clio and add the £1500 Sat Nav Option, its gonna cost them £1500 extra on top if they have to replace your car after a crash for the same option.


Tesco do specifically ask you "do you have any modifications or factory optional extras fitted" when you take out insurance.

It also appears in about every Terms & Cons that i have found for most insurance companies.

 

[Alan]

Nothing like a bit of afternoon ownage...i love the CS..

 

[Maz]

Couple of people a while back had a similar problem, I provided them with the original proof of purchase for my car that showed that the cup packs were factory fitted and not a modification and the insurance company accepted that.

Factory fitted or not. They ARE an OPTIONAL EXTRA from the manufacturer. So is not fitted as standard when you buy a 182 or any other car from a show room.

Shame all insurance companies don't deal with it in this way then because if they did we would know where we stood.

My car is insured with cup packs as standard, they are not listed on my modifications so ...:S

Ps - NO NEED TO SHOUT I KNOW IM GETTING ON BUT IM NOT DEAF YET.

 

[McBunny]

yay HAS to back me up : )

 

[Fred@BTM]

ah, just checked, my mother uses Audi insurance, she just gave them her reg number and they knew instantly what options it has fitted to it

 

[timmmah]

Uhh that's gay. My 182 has the cup pack too.

Don't remember Tesco asking me though, although I did do it online

 

[McBunny]

if you do it online it assumes its just as teh standard spec sheet so no cup packs so in theory your insurance is null and void

 

[Ad]

Depends on the company as said, but I had to declare mine with privilige, they didnt charge me extra.

As said optional extras must be declared.

 

[Has]

lol Maz i wasnt shouting.

Just pointing out the main things so people can scan over and see what ive highlighted in my point.


Yup Tesco Online assumes your car has no mods/factory options.


Some companies dont ask you everything. It is up to YOU at the end of the day to declare everything.

Be it points, mods, details of yourself etc....
Its a good way of insurance getting out of paying by small little things.


For anyone reading this i shall lay out a easy to follow example:

Car: Renault Clio 182

Cost: £10,000 from new

Extras Added at purchase time:

Sat Nav - £1500
Cup Suspension - £250
Cup Spoiler - £250
Recaros - £1000

(All made up figures)

Total Cost: £13,000



You insure the car as a Renault Clio 182 with Insurance company X.
They assume your car cost you £10,000 only.

So after, your car gets stolen. Insurance Company X now offer you only £10,000 for a new 182.


If you have not told them about the factory options then this can even invalidate your policy. In which case they will probably pay £0.


If they increase your premium when you tell them you had all the above Factory Options then that is because there adding a cost to your premium for having the option they may have to possibly pay out if they replace the vehicle.

This is because the cost of the vehicle has risen from £10,000 to £13,000.
And not because they are just charging a random amount.

 

[Monkey_beast_182]

:lolup:

GO HAS!

 

[Bloooor]

IMO either insure your car FULLY or don't bother driving it.

Has you have PM bud.

 

[McBunny]

gotta love the HAS

 

[Maz]

I know Has, im only messing

I really don't see how my insurance company for example would have a leg to stand on if I crashed and they said my insurnace was void because the car had cup packs (touch wood that I don't) because I told them when I called for a quote and they keep all this info recorded.

Surely there should be standards that companies have to work to, to ensure this is the same for all companies to protect their customers ?

 

[DebV6]

I had this problem with Elephant. I argued and argued but they would not see my point! I gave up in the end as I was getting no where and had to pay an extra £50. I'll try what Maz did if I ever have any problems in the future I think! I think it's ridiculous that they class a factory fitted option as a modification!

 

[Gaz_]

lol

My car doesn't have elf oil, its not FACTORY SATNDARD anymore

Nor does it have PE2's on the front. Its now shod with contis. Its not factory standard...... better ring up!!!

 

[Alan]

lol

My car doesn't have elf oil, its not FACTORY SATNDARD anymore

Nor does it have PE2's on the front. Its now shod with contis. Its not factory standard...... better ring up!!!

Sh1t the bed Gaz, oh no, call the forum police..

 

[Rich]

LOL - Stitch up those running Silvervisions aswell

 

[Ex-User (19928)]

In all fairness, quite a few insurers state "Any Modifications or Optional Extras" so I'm guessing that's where £1200 option wheels, steal me headunit and cup packs might come in..

 

[Gaz_]

forgot about them

 

[Maz]

You know what Rich, im that honest with my insurance that even told them I have silvervisions so I would be pretty fucked off if they said my insurance waid void for cup packs.

 

[Gaz_]

Lad i work with has a 1.2 clio thats just been written off. (ran over someone... long story) It was lowered, aftermarket alloys, exhaust sytem, and full sound system. Nothing was declared. Insurance paid out this week

 

[AlexS]

lol

My car doesn't have elf oil, its not FACTORY SATNDARD anymore

Nor does it have PE2's on the front. Its now shod with contis. Its not factory standard...... better ring up!!!

Im just on hold at the moment, thought I best declare my magic tree.

 

[Maz]

Someone I knew had told the insurance they had more no claims than they really did, car was stolen and insurance paid out.

 

[Gaz_]

lol

My car doesn't have elf oil, its not FACTORY SATNDARD anymore

Nor does it have PE2's on the front. Its now shod with contis. Its not factory standard...... better ring up!!!

Im just on hold at the moment, thought I best declare my magic tree.

You must be in the que behind me then!!!! :rasp:

 

[Mike-bham]

What about old people, with old crocks for a car. For example old man with a meastro. They arent gonna have a standard rover exhaust on anymore, so does that count as an aftermarket one? A mod? I'm sure most cars on the road on non standard really!