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Impact of Mods on insurance?

Jimboy2

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Which is why you get away with it... I'm not getting anywhere near year 1 quotes (Year 1, 1 year NCD, 2 years full driving, £800 and £0 voluntary excess.... Now having to put £500 voluntary to get £900!)
Did you get a reply from A plan?
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Manders Mustang

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Did you get a reply from A plan?
They went to two specialist insurers, both wouldn't because of age, they stated quite clearly, that if I was 25 or over, i'd be insured at a decent competative price as i admin a few mustang groups, enthusiast etc...

It's quite funny, i've tried HIC, Classicline and a few others that do Enthusiast, but they don't do 'under 25' fucking ****s. :frusty:
 
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Matrix2020

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I bet a lot of us here would quite happily be under 25 again :cheers:. Having said that luckily there are still at least one advantage of being older!!
 

Manders Mustang

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Well, what an odd call, called up directline, had quotes ran through (Renewals) they came out at £1300 (Same policy as last year £0 excess (£803 last year)) and bringing up to £500 excess was £1060. They then offered me a 'Loyalty Discount' which bought it down to £941, and another discount to £901.... Not the worst, the price has been stored and locked in until 12:01PM 22nd April will hunt around for cheaper and see. (£803.44 with £0 excess last year).


Apparently prices have gone up due to the 'Type of vehicle being involves in crashes far more often than the previous year' to which I informed her, there were next to none in the country the previous year :lol: . Looks like most of us are gonna see rises thanks to those who unfortunately crashed.

She then said "These vehicles our underwriters have that they are being modified heavily, and they are having to cover the cost of these"

She also said something about "Left hand drive mustangs bringing them up" (Fishing Emoji)






*Last para is a joke.
 

Enoch

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Not everyone is the same though. Can name plenty of older people who take way more risks, show off etc. :shrug:
True.....but we oldies have something you haven't....:)

Experience:D


How many tyres and wheels did Grandpa wreck by taking a wrong turn and keep on going??:shrug::p:p
 

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Manders Mustang

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True.....but we oldies have something you haven't....:)

Experience:D


How many tyres and wheels did Grandpa wreck by taking a wrong turn and keep on going??:shrug::p:p
It was a right turn, I was just following the sat nav, how you meant to know what's on the road ahead if you've never driven on it before? :shrug: .

Experience aint it, i'm now experience enough to know to avoid country roads around Leek as they're not wide enough to fit a moped down ;)!



And as he used to be an engineer at BMW, probably thousands :lol::lol:
 

Centurion07

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what's the difference?
with a UK or a import?
Well, one has the steering wheel on the correct side and the other is yours.

Insurance for imported cars is generally cheaper as companies just make the figure up (not that they don't seem to anyway), same as the VED, and as you're insured with a specialist it's not really a surprise adding those mods hasn't increased your premium. Pretty sure they'd realise it's a left-hooker and therefore imported.

Yes mine is a import (which only you seem to have a issue with)
As I've said NUMEROUS times before, the only person that cares your car is LHD, is YOU. :crazy:


Yes it's illegal to be classed as a Taxi, and going to a Prom or a Airport is classed as a Taxi. And if caught would void your insurance.
Only time insurance is needed is when the people are strangers...
Going to a prom or an airport is not classed as being a taxi. Taking strangers somewhere is not classed as being a taxi. In fact, the taxi thing is neither here nor there. The pertinent point in this situation, as [MENTION=15533]slowhand99[/MENTION] has pointed out, is the "not to be used for HIRE or REWARD" part of your common-or-garden variety insurance document.

IF YOU ARE NOT BEING PAID THEN NO SPECIALIST INSURANCE IS NEEDED. At all. Despite your assertion to the contrary in a previous post on the topic when you claimed specialist wedding insurance was required even when giving a lift to a genuine friend, to his own wedding, at which you could be the best man! :crazy:
 

Enoch

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It was a right turn, I was just following the sat nav, how you meant to know what's on the road ahead if you've never driven on it before? :shrug: .
get out and have a look.....young folk generally have good eyesight:doh:
Experience aint it, i'm now experience enough to know to avoid country roads around Leek as they're not wide enough to fit a moped down ;)!
Experience now says...."don't blindly follow the sat nav" actually look and assess the situation, then make a decision....

We've all been there young grasshopper:cheers:..made mistakes etc it's all part of growing up... some of mine have been epic:ninja::
 

goldengooner

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I mean that because it's a lefty, it's therefore an import. They may not have asked you if it's an import but stating that it's LHD would have told them that. Unless of course that is irrelevant to classicline? It may well be. Any insurers I have spoken to in the past ask the RHD question.
I never said it was a Lefty,
I spoke to them Jan 2016 when i had decided to get a S550 and at that time was a RHD and the price was the same for a RHD as when I told them I had decided on a import.
So it seems they are not that fussed between LHD and RHD
 

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goldengooner

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And even if it is for hire or reward, how they gonna prove the person paid you? :p
This is from our very own TT in 2015
http://www.mocgb.net/forums/showthread.php?65133-Mustang-Wedding-or-School-Prom-usage

What you have to appreciate with these requests is that by making your car available in that way does constitute Hire & Reward and you must always have a licence to do this.
There are two sets of regulations and licensing for Hire & Reward. Vehicles of up to 8 passenger seats are licensed as a rule by your local authority taxi licensing department, or Transport for London if in London. Vehicles of 9 or more passenger seats are licensed through the Driver & Vehicle Standards Agency (DVSA, formerly VOSA) as Public Service Vehicles. There is only one exemption to this and that is if the vehicle is being used exclusively for a wedding or a funeral.

Even if you only accept a fee to cover fuel and not make any ‘profit’ this can, under Department for Transport guidance notes for Local Authorities, still constitute Hire & Reward as you would still satisfy the criteria for licensing under several other conditions. To reinforce this point, stretch limousines and chauffeur driven executive cars are often used as Prom transport and these fall into scope of the licensing regulations.

Councils, the Police and the DVSA are now being seen more and more at Prom events looking for unlicensed and unroadworthy vehicles. Whilst the DVSA can, and often do, seize 9+ seat vehicles for offences, councils as a rule do not unless it is unsafe and then the DVSA inspector will slap a prohibition notice on it. The fines for non compliance are quite draconian, so be careful. Councils, the Police and DVSA have heard all the tales before so trying to make out you're only doing a 'favour' or you're not aware of the law is a waste of time. They will 'have' you! Obviously if you are taking a family member to a prom, then that is clearly private use and you've nothing to worry about.

Sadly with trashy daytime telly littered with adverts for 'No Win, No Fee' for accident claims, you could find yourself in seriously hot water if that 'favour' you've done for someone who joined this forum just to find a Mustang for their son's prom goes wrong. Your insurance company will dis-own you in a second and you're in the proverbial up to your eyeballs!!

Think carefully before offering your car!
 

Manders Mustang

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Right, let me nail this on the head.

If i crash, with Miss Piggy in the car on the way to her wedding, i say to her 'Hey, Let me add you on facebook, we'll be friends, I can say I know your Husband, If insurance ask it was for a friend, P.S you owe me XYZ fee'

The insurance CAN NOT pull bank statements, it's categorically impossible and a breach of so many laws, so there is no fathomable way of PROOVING there was payment passed on.

Now if your car is constantly in weddings, sure, but the odd one a year, is totally within the Remit... You're also rolling a 600000 sided dice saying... today, on this drive, at this time, with this unknown i'll crash.... Ok lol.




If you must know I took my TWO COUSING & and UNKNOWN friend to Prom, Did I Crash? No? Did I know I needed 'Speciality insurance' (It's actually classed under 'Business' if you have SDPC/B insurance) at the time? No. Did I accept any money? No. But the point stands, I took and unknown, tell me HOW anyone is EVER going to find out that you don't know someone.

There's a few people in the world, those who blindly follow without questioning, and those who question and lead. 'Are you a sheep, or a shepherd' lol ;)




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P.P.S [MENTION=13920]Enoch[/MENTION] I'd have turned round if there was a way too, but, there wasn't it suddenly with no signage got narrower and narrower lol.
 

CaptainSensible

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So I'm picking my car up next Saturday, and among other things have a BMR cradle lockout kit on order from American Muscle.

How have people declared this to their insurers? I doubt they would know what it is. Should I just tell them it's a suspension modification?
 
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Matrix2020

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I declared it under suspension change, but I am also doing the springs so that was not to difficult, affectively it was 'free' because the springs covered it.
 

goldengooner

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Well, one has the steering wheel on the correct side and the other is yours.

Insurance for imported cars is generally cheaper as companies just make the figure up (not that they don't seem to anyway), same as the VED, and as you're insured with a specialist it's not really a surprise adding those mods hasn't increased your premium. Pretty sure they'd realise it's a left-hooker and therefore imported.



As I've said NUMEROUS times before, the only person that cares your car is LHD, is YOU. :crazy:








Going to a prom or an airport is not classed as being a taxi. Taking strangers somewhere is not classed as being a taxi. In fact, the taxi thing is neither here nor there. The pertinent point in this situation, as [MENTION=15533]slowhand99[/MENTION] has pointed out, is the "not to be used for HIRE or REWARD" part of your common-or-garden variety insurance document.

IF YOU ARE NOT BEING PAID THEN NO SPECIALIST INSURANCE IS NEEDED. At all. Despite your assertion to the contrary in a previous post on the topic when you claimed specialist wedding insurance was required even when giving a lift to a genuine friend, to his own wedding, at which you could be the best man! :crazy:
So Mouth or Mighty, going to argue with TT? Has one of your Mods been to make your door bigger so you can get your ego inside?
As I said ( at least twice) but just for you, I shall say it again
The Price was the SAME for the GT at Trustford Dag as was when I changed to LHD,
shall i make the words bigger for you
So that's wait for your brainy reply
me thinks its time to block you, life is to short to bother with people like you.
and this week, really can't be bothered, (way more important things to worry about) so the floor is yours, I will not bother to answer, but Please don't fall ass over tit on it
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