Modifcations with Norwich Union

[beatjunkie]

Would anyone no how much extra it would cost to add lowering 40mm to my insurance on a 1.4 clio?any one had past experience with NU?

 

[bigmaddaz]

not sure tbh mate, im paying 1200 with norwich union im 19 thats on a 2003 1.2 16v, with wheels, exhaust, bodykit and lowering springs declared.

 

[beatjunkie]

well at least thats a sign that they accept mods!did u declare when u took the insurance out or did it at a later date?

 

[bigmaddaz]

Some mods were on and some were going to be done if ya get me ?!

 

[beatjunkie]

aaah rite got ya, everytime i go to ring up i get put off or i will actually get through and cant understand the person on the line!will try tomo, maybe i suppose i just quote the reference!

 

[patty]

norwich union hated mods wen i was with them but it was like a year ago!

 

[beatjunkie]

the policy runs out in 3months so it shouldnt be too much?

 

[Has]

Right when i was with Norwich Union,.....4 months ago now it ended.

They only allow 3 MODS to the car then thats it, was told i coudl not have more then 3 mods, this was confirmed by there supervisor !!

so be carefull/

 

[beatjunkie]

where they expensive to insure those mods?think when insurance runs out ill try somewhere else there not too hot!

 

[Has]

nah, they were pretty cheap to add on!! somthign stupid like £30-40

i had alloys
colour coding
lowered

they wertn bad just wudnt take more then 3 mods LMAO

 

[HazzyP]

only 3 mods allowed yes, lowering springs are £30, tinted windows £50, renaultsport seats £20, backbox is nothing if you say its a replacement for a one that had a hole/damaged.

cost me £100 all in for my 3.

it dont matter how long u got left on ya policy neither, I had to pay £30 for seats for 1 month! LOL

 

[mandy007]

Quote: Originally posted by Has 16v on 05 January 2005


Right when i was with Norwich Union,.....4 months ago now it ended.

They only allow 3 MODS to the car then thats it, was told i coudl not have more then 3 mods, this was confirmed by there supervisor !!

so be carefull/

ive with norwich union and ive got loads of mods

 

[Matt ATR]

I got told 3 mods too - paid an extra £80 (6 months left until renewal) for tints and exhaust (even though I havent got the exhaust sorted yet!) - deffo wouldnt cover any more than 3 mods!

Matt

 

[mandy007]

that is strange cause all my mods are written down on my policy and it was hardly anything more with the mods declared

[Edited by mandy007 on 07 January 2005 at 8:04pm]

 

[beatjunkie]

well might wait until policy runs out then, just gotta decide whether to get konis for the clio or go all out and buy a 106gti!seems weird with the 3 mods!

 

[Bryan]

Quote: Originally posted by HazzyP on 07 January 2005


, backbox is nothing if you say its a replacement for a one that had a hole/damaged.

then if you crash and they send out their inspectors, they notice an aftermarket exhaust, that isnt declared, bye bye policy

i think every little modification, no matter how small, should be listed on the policy

 

[Has]

^^ agreed there mate, deff everythign shud be declared, i shud know, its cost me an arm an a leg but worth the peace of mind.

 

[nobblebonce]

im with nu i paid £34 for springs, £50 for exhaust and £25 for alloys

 

[Clellandmc]

Quote: Originally posted by Has 16v on 06 January 2005


nah, they were pretty cheap to add on!! somthign stupid like £30-40

i had alloys
colour coding
lowered

they wertn bad just wudnt take more then 3 mods LMAO

Isnt colour coding classed as a cosmetic change then?

 

[nobblebonce]

I told my insurance about my colour coding and they said it wasnt classed as a mod

 

[PsYch0]

I agree, colour coding, im talking just rubbing strips, surly that is nothing noticable and cant really be classed as a mod?

 

[Clellandmc]

Just looked on the Norwich NUnion website and was reading though the terms and conditions and it says that you arent allowed any modifications.

"Your car is not valued at more than £50,000, modified, or registered before 1960 "

 

[HazzyP]

Quote: Originally posted by Bryan on 07 January 2005

Quote: Originally posted by HazzyP on 07 January 2005


, backbox is nothing if you say its a replacement for a one that had a hole/damaged.

then if you crash and they send out their inspectors, they notice an aftermarket exhaust, that isnt declared, bye bye policy

The aftermarket exhaust IS declared, I just said it was a replacement for my original damaged one, told her it was not Renault but Peco, and she said THAT IS FINE NO CHARGE.