insurer "won't pay for modifications"

[jooliona]

ok, phoned up today to tell them about my new exhaust.

as usual, got the "sunday staff" i.e. some pleb in timbuktoo.

they have charged me an additional premium, but said that they won't pay for the modification.

i presume this means that if i have an accident and the exhaust needs replacing, they will only pay for the std renault exhaust. the value of the car for write-off purposes will be unaffected? i may phone back during the week and hopefully talk to someone "normal"...

quite honestly, i don't know why i'm paying an additional premium if my cover hasn't increased accordingly. when renewal comes around i will definitely be looking at the specialists!

 

[NJ.]

who are you with?

dont you just hate foriegn call centres, i had to set up an account the other day with lloyds and i had to talk to someone in bangledesh! couldnt understand a word

 

[LegoHead]

tbh if you look at specialist insurers small print you will see that they wont cover mods either. Lets say a renault exhaust cost 500 and the aftermarket on costs 300 then in their eyes you owe them 200....

 

[jooliona]

well interestingly i have an old receipt for a centre & rear section, fitted by Hi-Q two years ago, costing £480 incl vat.

the SS i have just had fitted was only £336 incl vat.

if it's cheaper to replace then i don't see why it's a problem?!

 

[MT AUDIO]

higher risk is the b****cks they come out with