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Old 25-09-2013   #31
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Re: removing roof rails.

Quote Originally Posted by triumph7 View Post
I bought mine so its gonna stay for main 5 yes so worth considering. As I see it the only one worth looking at despite the cost is the 400 as the opening is so much bigger. The glass slots are a bit pointless imo.....
Yes - I intend to keep the 4x for a while, and I agree with you about the other alternatives - not worth doing I don't think.
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Old 25-09-2013   #32
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Re: removing roof rails.

is your insurer okay / does it change the premium much?
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Old 25-09-2013   #33
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Re: removing roof rails.

Quote Originally Posted by 4x4Panda View Post
is your insurer okay / does it change the premium much?
Don't know yet, will find out if its feasible/advisable b4 I approach them
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Old 26-09-2013   #34
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Re: removing roof rails.

Quote Originally Posted by triumph7 View Post
Don't know yet, will find out if its feasible/advisable b4 I approach them
It's be interested at to what the insurers say. Who are you with (underwriter not broker)?
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Old 26-09-2013   #35
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Re: removing roof rails.

Quote Originally Posted by Bigredbus4468 View Post
It's be interested at to what the insurers say. Who are you with (underwriter not broker)?
I'm with NFU mutual. I think they are underwriter & agent?? Excellent - recommend them to everyone
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Old 26-09-2013   #36
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Re: removing roof rails.

NFU are supposed to be one of the best if not the cheapest.

Myself, I'm with "quote me happy"
This is an online only insurer which you amend cover details yourself.
I find this great as they don't charge you admin fees.
I've just logged in and added sunroof as a modification. Premium was unchanged.
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Old 26-09-2013   #37
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Re: removing roof rails.

Just had this email from NFU:

I have checked with our underwriters and can confirm that as long as the sunroof was fitted professionally there would be no implication for the policy.

Please let us know if you do decide to do this so that we can note it on your policy.
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Old 26-09-2013   #38
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Re: removing roof rails.

looking good then re the insurers

Deeyup - ref your post: from personal experience of listing all modifications (which these days includes listing out the options above the standard model) I have had insurers ask me if the modifications were all factory fitted or not? So to some this makes a difference.

Also (and sorry for the diversion) I have had factory fitted options cited by both Direct Line and Admiral as the reason they would not cover a particular car...

These days with squeezed bottom lines, it takes only the slightest thing now for some companies to say you weren't insured, because...
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Old 26-09-2013   #39
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Re: removing roof rails.

I think with my policy I'd be surprised if they tried wriggle out of a claim.
You can only amend your policy on line. There is no customer service dept to speak of. You can add all kinds of mods from the drop down boxes and I'd argue that the fact I added a sunroof 6 months after I took the policy would be obvious that the mods were done after the car was built.

I know what you're saying though. Not all insurance companies are the same.
I was once insured with RAC car insurance.
I called them to ask if I could have winter tyres on my 500.
After they checked with the underwriters, the result was "no" that would be a modification and they will accept zero modifications. The mind boggles!
They also wouldn't extend fully comp cover in Europe, only the compulsory 3rd party. Awful insurance company. Never again!
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Old 27-09-2013   #40
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Re: removing roof rails.

Quote Originally Posted by deeyup View Post
I think with my policy I'd be surprised if they tried wriggle out of a claim.
You can only amend your policy on line. There is no customer service dept to speak of. You can add all kinds of mods from the drop down boxes and I'd argue that the fact I added a sunroof 6 months after I took the policy would be obvious that the mods were done after the car was built.

I know what you're saying though. Not all insurance companies are the same.
I was once insured with RAC car insurance.
I called them to ask if I could have winter tyres on my 500.
After they checked with the underwriters, the result was "no" that would be a modification and they will accept zero modifications. The mind boggles!
They also wouldn't extend fully comp cover in Europe, only the compulsory 3rd party. Awful insurance company. Never again!
I wholly recommend your local NFU branch. You can actually ring them and speak to a human and call in and see them too - amazing! They are slightly dearer but not much. My 4x4 is £350 with £100 xs...... Tesco & churchill were not much cheaper for inferior cover.
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Old 27-09-2013   #41
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Re: removing roof rails.

What about pictures without the roof bars.
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Old 30-09-2013   #42
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Angry Re: removing roof rails.

I had the most astonishing reply from Fiat in reply to question about which of the Webasto sunroofs they deem suitable for the Panda:

Thank you for contacting Fiat customer information.

Regrettably, we are unable to advise on any modifications that you would like to do on your vehicle.

If your vehicle is within warranty, any modifications will invalidate this.
I appreciate that this is not the answer that you were looking for, but unfortunately we do not support any modifications.

Our Customer Service team remains available to further assist you at your own convenience from Monday to Friday between 9:00 and 18:00,calling the 0080034280000.


This is my reply:

Thank you for your reply, but that information contradicts what my dealer has informed me. They advised that only the anti-perforation warranty in the roof area would be affected. How on earth can such a modification affect the warranty on, for example, a faulty gearbox, failed windscreen wipers or indicator stalk? That would be ridiculous.



Also, are you seriously telling me that any modification (eg. tow bar?) will invalidate the warranty?
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Old 30-09-2013   #43
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Re: removing roof rails.

Quote Originally Posted by triumph7 View Post
I had the most astonishing reply from Fiat in reply to question about which of the Webasto sunroofs they deem suitable for the Panda:

[FONT=Arial][COLOR=blue]Thank you for contacting Fiat customer information.

Regrettably, we are unable to advise on any modifications that you would like to do on your vehicle.

If your vehicle is within warranty, any modifications will invalidate this.
I appreciate that this is not the answer that you were looking for, but unfortunately we do not support any modifications.
...
It's a bummer but not entirely surprising - presumably they either have to look into every suggested, or conceivable, mod and either sanction it - implying some sort of responsibility - or not, which would be a significant undertaking; or they just give out a blanket "No", which entails no effort at all.
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Old 30-09-2013   #44
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Re: removing roof rails.

Quote Originally Posted by babbo_umbro View Post
It's a bummer but not entirely surprising - presumably they either have to look into every suggested, or conceivable, mod and either sanction it - implying some sort of responsibility - or not, which would be a significant undertaking; or they just give out a blanket "No", which entails no effort at all.
I agree, but I don't think their position would survive scrutiny in court if they refused to honour the warranty on a component unrelated or connected to a modification be it winter tyres (a mod after all), towbar or anything else u might care to mention...
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Old 30-09-2013   #45
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Re: removing roof rails.

I'd also be very surprised if you took your car in for say a clutch problem and the dealer called fiat to say there was a sunroof installed.
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