Safty features work

[Gibbo205]

£620 FC.

That's with zero NCB and 6 points for 69 in a 40 (can't remember the code).

That is good, DL is £420 but its got like 7-8yr NCB and I have no points. Will give Flux a call come renewal.

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[MrWolf]

Let's see what they have to say. I was a little thrown when the engineer assessing the vehicle told me to have the invoices ready for the claim, while someone in the call centre didn't think that's what they do. If they told me that from the start, I simply would have asked for them back.

Time to wait and see what they come back with.

 

[Centurion07]

Flux said I would need the invoices to be able to make a claim with regards to the value of the mods.

 

[HoosierDaddy]

That depends on insurers, and, what they will cover, it's all dependent usually into these categories:
Don't care, Won't cover - Rare to find these
Wan't to know, Won't cover - Fairly Common
Want to know, Cover a portion of the value depending on each item
Want to know, Cover the whole value

If they're under the first two, then, yes, they wont pay out for the mods replacements. Even if you've paid more to have the mods declared. Check your policy documentation, or the insurers website, maybe able to help.

You are within your rights to demand any parts of the car back, as it is still 'yours' so if you want your exhaust, Interior LEDs, Wheels etc, you can ask for it back.

I would say them knowing about many types of mods wouldn't mean they were covered for sure. But if there is a rider for the mod, then it would be for sure. In fact, you might even profit. I Had a high end sound system stolen from a Mustang in the early '90s. I had a rider on all the components. Now I don't know if the insurance company screwed up when they sold the riders (which were very cheap) or what, but when I got with the adjuster, he said everything in the dash would be covered without the rider (depreciated) and the rider would pay as well (full original retail), so I made a $1k+ profit on the in-dash stuff. I'm sure it was a mistake on their part to sell the rider for the in-dash stuff even though it meant they made a little on the premium because they would not want people to have a financial incentive to have a theft loss.

As for taking back mods they don't pay you for, I would think it might depend on if you can trade them the originals. They will part the car out. So, for example, factory wheels have some value. They would be taking a loss if someone removed their undamaged aftermarket wheels and did not replace them with factory wheels. In fact, they can get downright stupid about it. I had a '97 Trans Am totaled by an old lady. I wanted to swap the custom wheels on the car for the factory ones I still had because I was going to order an identical car. Her insurance chose to pay me over $1k per custom wheel instead. To make it an even stupider decision, those back wheels probably wouldn't fit any other car in existence, at least without spacers. I had partially tubbed the car and the wheels were manufactured by HRE for my unique width and offset.

 

[Centurion07]

Being in the UK, there's very little of that post I understand. :lol:

 

[Manders Mustang]

Being in the UK, there's very little of that post I understand. :lol:

Basically....

 

[HoosierDaddy]

Being in the UK, there's very little of that post I understand. :lol:

Cliff notes: The insurance company would lose money if you take back uncovered aftermarket parts and don't give them the factory ones. Most businesses don't lose money willingly.

Rider = an addendum to any document. In the case of insurance, it describes coverage that isn't "normal" for the policy, such as aftermarket parts or mods. I've never heard of an insurance policy in any country that doesn't define what was covered or blanket covered undocumented items regardless of value.

Old Lady = ancient bird ?

 

[SteveS]

Being in the UK, there's very little of that post I understand. :lol:

Thank f*ck, i thought it was just me

 

[MrWolf]

I haven’t given any further update with my claim due to a few complications surrounding the mods I have done to the car.
As you know, I should be expecting a new replacement car by mid-September (it’s going to be a LOOOOONG 10 months), however, the discussions I’ve been having with the insurance company regarding the mods has been “interesting” to say the least.

It took me a good 2 weeks for them to understand my questions about reimbursement for my mods that are declared on my insurance policy. I finally talked to a member of the claims department who actually got what I was asking for (seemed to be confusion about the new car replacement, and they thinking that was the end of the claim!), and said they would refer this back to the external engineer who originally assessed the damage (keep in mind that I did ask the engineer about my mods and he told me to get the invoices ready, which I did, and send them to the claims department who will deal with it, which I also did!)

Anyway, the external engineer looked at it and said they will cover exhaust, stripes etc, but not the wheels! When asked why not the wheels, the reply was that they looked at how much I paid for the wheels, and they asked Ford UK how much the value of the standard wheels were that came with the car. Their argument was that the standard wheels were worth more than the aftermarket wheels I paid for and therefore the new wheels did not add any additional value of the car. I immediately came back and said that although Fords value of the standard wheels were what they sold them for, if I was to sell them, I would not get anything like the same value (not by a long shot). They suggested I raise this as a concern with customer services, but that they could do no more. In the meantime, they will cover the other mods and get a check in the post. At least I will get something in the meantime.

I contacted customer services regarding my issues around the value of the wheels, who raised it as a “National Dispute” (blimey – hold on!) and refer it to an internal engineer. In the mean-time I received a text from the insurance company saying that I was to receive a cheque for value of the other mods, minus the excess, of £4.72. Fantastic…. hold on….WTF!!!:eyebulge:

Back on the phone with the claims department explaining that not only did I have grievance with the wheels, but now with all the other mods as well.

I was recently contacted by the insurance companies internal engineer and after having a discussion with him, feeding him information of what my mods are really worth, what the standard equipment the mods replaced are really worth (not a great deal) and what my expectation was, they finally agreed to cover the value of the invoices I supplied. HOORAY!

We are still in discussion about the duty and VAT payments (struggling to show evidence of paying these – so this is ongoing), however, compared to where I was 4 weeks ago, I’m in a much happier place.

Right, who wants a set of standard wheels, circa 200 miles on them

 

[stevec]

People have been modding cars for years. Why the hell is this not easier.
BTW, were there any mods on the car that u=you had not declared? Answer by PM if you would rather. I am just interested.

 

[RobMJ]

Hi Tom,

pleased to hear you have progression with them but by the sounds of it you have jumped through many hoops to get there. Insurance companies will by a rule of thumb make it as hard as possible. My business partner had a break in at his house and they were asking for proof on silly low cost items and he had a right battle with them so they all make it a difficult as possible.

10 months will be hard but you've done once and hope the second time goes quicker for you.

 

[MrWolf]

People have been modding cars for years. Why the hell is this not easier.
BTW, were there any mods on the car that u=you had not declared? Answer by PM if you would rather. I am just interested.

All above board

 

[Enoch]

If the aftermarket wheels and exhaust are undamaged, can't you just ask for them back and give them the originals..:shrug:

 

[MrWolf]

If the aftermarket wheels and exhaust are undamaged, can't you just ask for them back and give them the originals..:shrug:

I think they were. Even if you cant see any obvious damage, I wouldn't want to risk using wheels that were in an accident (could have cracks not easily visible).

 

[HoosierDaddy]

Anyway, the external engineer looked at it and said they will cover exhaust, stripes etc, but not the wheels! When asked why not the wheels, the reply was that they looked at how much I paid for the wheels, and they asked Ford UK how much the value of the standard wheels were that came with the car.

Told ya.

Right, who wants a set of standard wheels, circa 200 miles on them

The insurance company MIGHT accept them in exchange for covering the aftermarket wheels. But don't count on it.

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