Not allowed mods :(

[Dave26]

Right this is my first post so be gentle

Ive been insured with NIG through Adrian Flux for around a month, and i rang them last night to ask about mods (ive just got some tinted rear lights, gotta start somewhere eh). I was told that the insurer doesn't allow ANY modifications and that they would void my policy. But ive read through all the booklets and stuff i got sent and nowhere does it mention this, and i wasnt told when i took out the insurance. Really im annoyed at myself for not asking about this when i took the policy out, i'd been looking forward to getting my first car and doing bits and bobs to it for years Any ideas? Is the only option to cancel and find another insurer? (which isnt really an option as i cant afford the cancellation fee)
Cheers for reading

 

[GhostWKD]

then you might as well not have any, as it will be invalidated. and to encourage that on an enthusiasts forum is just plain stupid imo

Best bet is to save mods until renewal. Or do mods to tidy up the car (e.g. painted cam cover etc)

 

[Ffoxy]

dont tell insurance

The above poster is joking or a complete kn*b!

 

[Dave26]

Yeah the idea of doing it anyway never crossed my mind, being 18 and in my first year driving i cant risk doing anything that might void the insurance. Rang Flux up again and they said they are going to ring me back with prices of changing to a different policy that would allow mods, although how much that would cost i have no idea. Should they have told me when i took the policy out? I asked about putting alloys on and they said to ring customer services in the future and ask, shouldn't they have said that the policy didnt allow mods then? Im not a happy chappy

 

[GhostWKD]

will all be in the small print terms which you agreed to etc

 

[Captain Mike]

i meant it but only in concerns to visual mods

 

[Dave26]

will all be in the small print terms which you agreed to etc

No doubt thats right its just that i can't find it. Really im annoyed that i didnt query this before i took the insurance out. I dont suppose anybody has been in the same position with NIG before?

 

[Ffoxy]

i meant it but only in concerns to visual mods

Still wrong... visual mods make a car more nick-able to the thieving 'tards....

 

[Captain Mike]

Still wrong... visual mods make a car more nick-able to the thieving 'tards....

would you nick a bright yellow standard punto and drive it through the town centre or would you nick a bright yellow punto with a stupidly over the top bodykit and 17 inch black alloys?

 

[Dave26]

i meant it but only in concerns to visual mods

When i rang they said that anything (e.g. the tinted rear lights) would void the insurance, although as these are standard lights that have been sprayed this seems a bit harsh. I just presumed that visual mods would have been allowed, even if i had to pay more for the insurance . And now they will have on record that i asked about tinted lights, so if i crash they would most likely check? Maybe im just being overly cautious and paranoid, but i dont want to risk not being covered

 

[Ffoxy]

would you nick a bright yellow standard punto and drive it through the town centre or would you nick a bright yellow punto with a stupidly over the top bodykit and 17 inch black alloys?

Niether TBH, yellow punto = :yuck:

But then I have a brain... thievin Chavvy 'tards dont

 

[Dave26]

Just had a call back from Adrian Flux. They can offer me insurance with another insurer which would cost just over £150 more than im paying a year now and wouldnt charge me a cancellation fee as im just swapping policies. They would also refund my current insurance (which i paid in full) from today till the end of the year. The new policy would be with Equity Redstar and would allow any visual mods for no extra cost as far as i can gather. :yum:

 

[Captain Mike]

Just had a call back from Adrian Flux. They can offer me insurance with another insurer which would cost just over £150 more than im paying a year now and wouldnt charge me a cancellation fee as im just swapping policies. They would also refund my current insurance (which i paid in full) from today till the end of the year. The new policy would be with Equity Redstar and would allow any visual mods for no extra cost as far as i can gather. :yum:

have u tried quinn direct?

cheap and let u have visual mods

 

[Ffoxy]

Just had a call back from Adrian Flux. They can offer me insurance with another insurer which would cost just over £150 more than im paying a year now and wouldnt charge me a cancellation fee as im just swapping policies. They would also refund my current insurance (which i paid in full) from today till the end of the year. The new policy would be with Equity Redstar and would allow any visual mods for no extra cost as far as i can gather. :yum:

Result... nice one! Mod on young 'un!

 

[GhostWKD]

Dave may be worth trying to talk them down a bit

when i swapped from a mr2 n/a to a turbo i talked them down from a extra £300 to an extra £100 or so iirc

 

[Stripes]

I'm with Quinn Direct! They were the cheapest around for me (Northern Ireland)

Allow all mods apart from engine/performance.

 

[Dave26]

have u tried quinn direct?

cheap and let u have visual mods

I want to stay insured through Adrian Flux as that way i dont have to pay a cancellation fee

I will try and talk them down, i'll try the "you didnt tell me i couldnt have mods approach" of course i'll do it nicely, dont want to annoy them seeing as though i want them to charge me less

Parents are now saying im stupid paying nearly £200 just because i want to stick "stupid bits" on my car I can see where they are coming from but its something ive wanted to do for a while, first car syndrome i reckon it should be called

Cheers for the help guys, any advice on how to talk them down?

 

[Ffoxy]

I'm with Quinn Direct! They were the cheapest around for me (Northern Ireland)

Allow all mods apart from engine/performance.

Check this out... NOT my Thread....

https://www.fiatforum.com/insurance/146858-warning-about-qiunn-direct.html

 

[GhostWKD]

i went with the umming and aahhing about what to do and tell them that you can get a policy that allows mods (my case import as the co wouldnt touch the MR2 turbo for under 25's as is a import only car) and that is it the best they can do for you? and words to that affect as ofc you want to stay with them due to the excellent reviews from friends etc etc but as you can find it a bit cheaper elsewhere would consider cancelling

you'll find they'll probably go speak to someone then come back and offer you a new reduced price

 

[volxstu]

i went with the umming and aahhing about what to do and tell them that you can get a policy that allows mods (my case import as the co wouldnt touch the MR2 turbo for under 25's as is a import only car) and that is it the best they can do for you? and words to that affect as ofc you want to stay with them due to the excellent reviews from friends etc etc but as you can find it a bit cheaper elsewhere would consider cancelling

you'll find they'll probably go speak to someone then come back and offer you a new reduced price

This is very good advice you can always threaten to leave and then people will panic or (they get a little Brucie Bonus) for convincing you to stay but threaten is all your doing you dont have to go through with it.

And not the Age old declare your mods argument again some people do and some people dont.