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INSURANCE w**kerS!!!

Rasclart

Rasclart

Car  Revels Mum & Sister


A friend recently hit a Dear in his Clio 16V. It is a write off

It is a Standard Phase 2 with STANDARD rims and also grey factory leather

They have disputed this saying that was never standard!

So has anyone got an Original Brochure with the wheels and interior in either as an Option or as standard, that they can scan for me

Or give me a link to! Cheers Peeps. This is Elephant by the way!
 


Blimey thats bad! Im with Elephant... i may ring them and check my policy details... mine is 100% original!

Tom
 
 


Dispute how a change of wheels anyhow contributed towards the car being a write off. They would have to prove that it was the wheels at blame.

I mean if the car was knicked and it had 18 chrome alloys non declared then they have a cause not to pay out as the car was an attraction for thieves but for wheels in a car accident thats ludicrous.

Is your mate telling you a sob story? Is it completely standard and most of all was it fully insured.

Are they disputing a payout or are they disputing the market value of the car? Ie a car with leather interior may be worth a tad more than a car without.
 


It is insured. I was with him when he bought it rang up Elephant and paid across the phone!

I also helped recover his car. It was totally standard. Standard suspension, rims, etc. They are saying they dont think the interior and rims are standard thus he didnt tell them, making his policy void in there eyes. Therefore refusing to pay out!
 


Right so when you buy say a Clio and Specify that you want Air Con or you want red seats not black ones. If you dont tell the insurance company then your insurance is void!

I am talking AFTERMARKET MODS NOT FACTORY OPTIONS!!!!!!!!!!!!!!!!!!!!!!!!!
 


Things like that should not void a whole policy.

Engine performance mods then fair enough. Options from manufacturer and thats ludicrous.

I would ask to speak way high up the firm. If this is the case surely he should be entitled to a full refund of his money as the car has never been appropriately insured by them.

I think ill be staying away from elephant.
 


Quote: Originally posted by Rasclart on 29 December 2004
Right so when you buy say a Clio and Specify that you want Air Con or you want red seats not black ones. If you dont tell the insurance company then your insurance is void!I am talking AFTERMARKET MODS NOT FACTORY OPTIONS!!!!!!!!!!!!!!!!!!!!!!!!!


yes thats right thats why your are asked about any mods that alter it from the standard specification so the standard spec list the things that are standard fit on them all not optional leather etc etc
its just the way it is. its not nice i know but hey its just stuff we have to put up with. most ins companies dont mind and it wont usually put up the premium but they just want to be told
 


So as another example: Elephant are telling you that if you fit non "standard" tyres then they will invalidate the insurance..

So for example, you had michelins fitted at the factory, then you have to change them and fit Pirellis instead, that would mean the car is not as it came from the factory..

Think not.. Kick their ASS!!!
 


This reminds me of the old Cup Packs argument with 182 insurance.

I dont think factory fitted options have to be declared.

Otherwise on something like a new Mini if you just brought it up to Clio spec with options you would have to read the insurance company a list of 20 or 30 items!

Do you seriously think some guy in India when you phone up for a quote has a list of all these options for each car and a figure by which the premium should be adjusted for each one!
 


no but the insurance company will screw you if given half a chance, you have to read there terms and conditions, it usually says something there about it, and if it says you cant fit anything to the car including manufacturers options then you know, if you dont read it then its your own fault
 


Quote: Originally posted by dogmaul on 29 December 2004

usually they say on the phone has the car been modified in any way from the manufacturers standard spec
Click to expand...
exactly, that could be read in different ways, a standard 182 has normal wheels and no spoiler and a 182 cup has uprated springs/spoiler/wheels, so they could argue that your car has paid for improvements on it
 


If theres a total loss claim, theyre going to have to cover the extra cost of those options (be them manufacturer fitted or otherwise) in what they payout.

Why should insurance companies take a premium based on a car costing £12500, and expect to have to payout £13000 when its totalled? Theyd have wanted the extra premium in the first place wouldnt they? Wouldnt you if you ran an insurance company?

No contract can exist in law if one party to it lies to get the other to enter into it. Silence i.e. not declaring mods, amounts to misrepresentation in the eyes of business and contract law (which has been tested) when it comes to insurance. By not saying youve fitted something, even if they dont ask you about it, youve lied. Therefore...not insured.

QED
 


i got j townsend involved about the 182 cup pack argument with renault insurance coz i was being charged extra for the suspension pack... jeremy spoke to the ins company and got it sorted, standard spec is as it left the factory.... i.e if you asked for a/c xenon headlights leather interior etc that is manufacturers standard spec they are not modifications
 


that might be the case with renault insurance but it may and will be seen in a different light by other comapnies , its like buying a standard mini and adding the works kit to it but forgetting to tell your insurance
 


Quote: Originally posted by MarkCup on 29 December 2004


If theres a total loss claim, theyre going to have to cover the extra cost of those options (be them manufacturer fitted or otherwise) in what they payout.

Why should insurance companies take a premium based on a car costing £12500, and expect to have to payout £13000 when its totalled? Theyd have wanted the extra premium in the first place wouldnt they? Wouldnt you if you ran an insurance company?

No contract can exist in law if one party to it lies to get the other to enter into it. Silence i.e. not declaring mods, amounts to misrepresentation in the eyes of business and contract law (which has been tested) when it comes to insurance. By not saying youve fitted something, even if they dont ask you about it, youve lied. Therefore...not insured.

QED
Click to expand...
You tell them the value though when you get your premium. I told them how much my car costs with the options.
 


whatever anyone says people have been screwed for not mentioning factory fitted options , so your best bit is to mention them
 


Quote: Originally posted by Toypop on 29 December 2004


Quote: Originally posted by MarkCup on 29 December 2004


If theres a total loss claim, theyre going to have to cover the extra cost of those options (be them manufacturer fitted or otherwise) in what they payout.

Why should insurance companies take a premium based on a car costing £12500, and expect to have to payout £13000 when its totalled? Theyd have wanted the extra premium in the first place wouldnt they? Wouldnt you if you ran an insurance company?

No contract can exist in law if one party to it lies to get the other to enter into it. Silence i.e. not declaring mods, amounts to misrepresentation in the eyes of business and contract law (which has been tested) when it comes to insurance. By not saying youve fitted something, even if they dont ask you about it, youve lied. Therefore...not insured.

QED
Click to expand...
You tell them the value though when you get your premium. I told them how much my car costs with the options.

------------------------------------------------------------------





and you actually believe that will protect you from not telling them you got uprated suspension etc
Click to expand...
 


so what about diff tyres, cliosport.net sticker in back window, bee sting aerial mobile phone holder etc etc all non standard where does the line get drawn ffs?
 


Still a load of bollox!

In that case NO ONE on here I bet is unsured if thats what people are saying has to be done!
 


exactly lol you have to ask your insurance what they actually want to know about as if they want they can refuse to pay out on almost anything they feel like
 


I bought a 182 with both Cup packs in October, and I was already insured with Elephant. I transfered my insurance over to the 182, and at the time told them about the Cup packs. They insisted they were modifications (and charged me more because of this).

My insurance is due for renewal on January 4th, so I rang them again this week, and they are still insisting its a modification. I did an online quote with Sainsburys insurance, without declaring the modification, and it was about £60 cheaper. I emailed Sainsburys insurance asking about the Cup packs, and theyve told me (in writing) they DONT regard the Cup packs as a modifciation. Hence Im not renewing with Elephant.

It seems that the definition of "Modification" varies from one insurer to another!! I think Elephant seem particularly pedantic regarding manufacturers options!

I think the best policy is declare everything (even if you think its factory fitted) and if they class it as a modification and are more expensive, just go elsewhere!!


[Edited by boggy on 30 December 2004 at 1:14am]
 


Elephant are breaking the law if they dont pay out.

(due to the nature of the way insurance works as set out by the FSA)

You do not have to declare factory options.
 


Quote: Originally posted by Andyvalver on 29 December 2004

Go to renault mate. Tell whats happened and they might be able to give you somethin to prove it.
Click to expand...
this is true, if you go with the chassis number to reno they will confirm how the car left the factory, leathers the lot. get a print out for the insurance company and they will have to pay out, also when your asked over the phone i belive they ask for AFTERMARKET MODS, now when i had the prang in the Willy 1(which was heavily modded) they paid out because i declared them and i had reciepts to proove the fitting was carried out by Renault, even down to the quad lights.BTW i was covered with Elephant, f*ckin T*ssers, but they were the cheapest. I fought them all the way on the claim too, got as much out of them as possible!

[Edited by Rajk on 30 December 2004 at 1:23am]
 


How exactly am I supposed to know what was and wasnt a factory option on an M-plate valver??! I assume that I should write to renault then, asking for the specification that it came out of the factory with, so I can make sure that I declare *everything* to my insurance company?

Ive been a fussy bastid before with Adrian F(l)ux, even down to detailing what different style of badging I had on the boot, but the whole point of the valver was to keep it standard. Grrrrr.
 


If you go to any Reno dealer who has serviced the car in the past and give them the Reg No or vin No they will be able to supply you with a printout of the original spec of the car when ordered NEW ;)

Also..........factory fit options are NOT a valid reason for an insurance company to void a policy..............and thats a fact :cool:

Cya Stu
 


Seems to be some differing opinions on here.

Direct line charged for the Cup Packs on my 182

When I renewed I spoke to Privilege on the phone and they comfirmed that any performance related option whether manufacturer fitted or not has to be declared. eg. wheels, brakes, tyres, exhaust, engine upgrades, bodywork.

Both cup packs are listed on my insurance document as manufacturer fitted.

Whats the point in not declaring, just go elsewhere.
 


i have an m plate 100% original valver, with leather
& im with elephant.

Rasclart if you want a pic of it to show them, i can e mail you one (showing the seats etc) i will however blank the number plate !!!
 


I am insured with Elephant and they asked if the car had any factory options on it, I told them it had leather interior and they said that it is not covered and in event of a claim any interior bits would be replaced with standard cloth interior. What I dont understand is that they wouldnt even let me pay extra to cover it! Also when the car was ordered new there was a selection of different cloth colours you could go for - how can they say which one is standard???
 
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