Looking for advice from an Insurance specialist

We are able to offer up to 15% discount on policies for Club Members and would welcome modified car drivers, young drivers and convicted drivers. Our 'specialist' schemes enable us to provide very competitive premiums and added benefits such as free legal cover and breakdown cover at only £45 for Homestart and European cover.

For the past 30 years Adrian Flux Insurance Services has developed into the country's leading agent for Specialist Motor Insurance, providing services dedicated to the specific needs of our clients. This enables us to offer all drivers' competitive premiums and excellent service coupled with special discounted rates for Car Club members.

Call today on our Freephone clubline and talk to one of our friendly advisors: 0800 089 0035 or Click for an online quote or request a ‘Call Back’ – http://www.adrianflux.co.uk
Post Reply
RobinPZ72
Club Member
Club Member
Posts: 1335
Joined: Sat May 19, 2018 4:55 pm
Has thanked: 78 times
Been thanked: 40 times

Looking for advice from an Insurance specialist

Post by RobinPZ72 » Fri Feb 01, 2019 6:15 pm

Hi there,

I noticed a thread on here that's talks about aftermarket parts not being regulated etc. My concern here is even if a said driver has a misfortunate mishap and even though had disclosed the fact he/she has fitted an after market part. Would the insurance company assume these parts fitted had recognised safety checks etc. I would assume anything I bought for any car would have to have certifications before being allow to be put on the road.

Basically even if declared on insurance, but a part failed or could of cause the accident was found to be not quite up to scratch would that void the insurance?

User avatar
warpc0il
Spin Doctor
Spin Doctor
Posts: 19777
Joined: Sat Sep 06, 2008 10:56 pm
RX-8: 231
Colour: Lightning Yellow
Location: Groomsport, Co Down, NI
Has thanked: 236 times
Been thanked: 857 times
Contact:

Re: Looking for advice from an Insurance specalist

Post by warpc0il » Fri Feb 01, 2019 6:22 pm

Insurance companies don't care about "like-for-like" replacements, so a cheap set of tyres or brake pads, or a suspension spring from your nearest motor factor are all perfectly legal and don't require notification to your insurer.

Are they "as safe" as the original equipment? That's a huge debate that's been going on in the motor industry for years.

The honest answer is that, for a high performance car such as the RX8, there are probably more "less safe" options than "more safe".
Dave
The Spin Doctor ™
uǝǝɹɔs ɹnoʎ ʇɹǝʌuı ǝsɐǝld :ɹoɹɹǝ

RobinPZ72
Club Member
Club Member
Posts: 1335
Joined: Sat May 19, 2018 4:55 pm
Has thanked: 78 times
Been thanked: 40 times

Re: Looking for advice from an Insurance specalist

Post by RobinPZ72 » Fri Feb 01, 2019 6:28 pm

To be honest I would of never of thought of it, but everyone these days are looking to make and save money! As you know small print let alone normal print isn't one of my strong points, so its a bit of an area that's a bit concerning!

User avatar
acegeezer
Club Member
Club Member
Posts: 5624
Joined: Thu Feb 20, 2014 1:40 pm
RX-8: R3
Colour: Sparkling Black
Location: East Coast - Lincolnshire
Has thanked: 122 times
Been thanked: 127 times

Re: Looking for advice from an Insurance specalist

Post by acegeezer » Fri Feb 01, 2019 6:37 pm

My Insurance company accepted that my mods were upgrades and that was the end of it and policy duly endorsed accordingly.. in my case though they really were upgrades :thumleft:
John
R3-2009 "Sparkling Black"
Interior LED's Cree LED's in sidelights Magnecor leads D585 Ignition kit NGK Iridiums Remap
Pettit/Milltek Racing Cat-back & SS DeCat pipe Tinted Windows Vortis all round
Fitted DRL's Climair BLACK Wind Deflectors Lockwood grilles

User avatar
kopite72
Club Member
Club Member
Posts: 9966
Joined: Wed Dec 28, 2011 8:30 am
RX-8: R3
Colour: Diamond Grey
Location: Cork Ireland
Has thanked: 253 times
Been thanked: 422 times

Re: Looking for advice from an Insurance specalist

Post by kopite72 » Fri Feb 01, 2019 6:53 pm

Never declared any mods to any insurance co ever.When ever they ask me if the car has been modified I just say no and its on to the next question.

Like John,i wouldn't really call them mods,upgrades is a better way of explaining it.A better braking system is a safety upgrade that just looks the mutts nuts :D
PLAN...RR HB OR FB PLATINUM REBUILD
FULL RESPRAY

DONE...
FULL MZ CUSTOMS KIT
MILLTEK CATBACK
JAPSPEED DROPLINKS
FULL ALLOY REFURB
RR D585 COILs
6000K HID KIT
TINTS
20MIL SPACERS
PROJECT THREAD....http://www.rx8ownersclub.co.uk/forum/vi ... 04&t=59971

LOOKED AFTER BY THE FANTASTIC CREW AT ROTARY REVS
LOVING DORITOS SINCE 1991

RobinPZ72
Club Member
Club Member
Posts: 1335
Joined: Sat May 19, 2018 4:55 pm
Has thanked: 78 times
Been thanked: 40 times

Re: Looking for advice from an Insurance specalist

Post by RobinPZ72 » Fri Feb 01, 2019 8:45 pm

That's not something I'd admit too, but hey who's looking anyway!

Please forgive me if I'm totally wrong, but if you cause an accident or worse deaths surly your insurance would be void if checked!

User avatar
GreySilver Beast
Committee Member
Committee Member
Posts: 48075
Joined: Sun Dec 10, 2006 6:57 pm
Colour: Custom
Location: Around The UK including West Sussex
Has thanked: 6129 times
Been thanked: 1535 times

Looking for advice from an Insurance specalist

Post by GreySilver Beast » Fri Feb 01, 2019 8:55 pm

kopite72 wrote:
Fri Feb 01, 2019 6:53 pm
Never declared any mods to any insurance co ever.
@Robin : Do bare in mind that Ian lives in a foreign country and comes under different rules when you insure cars :!:

It's advisable to declare all modifications in the UK, otherwise your Car Insurance Company might use that missing item as a get out clause in the event of an accident and void your insurance :!: :!:

I got everything declared on a List with my Car Insurance Company including my Private Plate =D> =D> =D> =D>
GSB-TDU - Events Coordinator & Events Team Admin
RX-8OC Club Calendar - GBCC
S/Days-C/limits = 17
Skid Pan = 1
Go Karting = 1
3 MPS MKII T/Days = 6
RX-8 R3 T/Days = 5 + 7 session's
GT86 T/Days = 48.5 + 27 session's
Total = 59.5 + 34 session's
Cars Driven = 181


http://npt-communications.webs.com < Click > ****GSB III****

User avatar
acegeezer
Club Member
Club Member
Posts: 5624
Joined: Thu Feb 20, 2014 1:40 pm
RX-8: R3
Colour: Sparkling Black
Location: East Coast - Lincolnshire
Has thanked: 122 times
Been thanked: 127 times

Re: Looking for advice from an Insurance specalist

Post by acegeezer » Fri Feb 01, 2019 9:00 pm

As stated, if they are upgrades you have a valid argument as a challenge to any claim refusal.. if Insurance declared of course :thumleft:
John
R3-2009 "Sparkling Black"
Interior LED's Cree LED's in sidelights Magnecor leads D585 Ignition kit NGK Iridiums Remap
Pettit/Milltek Racing Cat-back & SS DeCat pipe Tinted Windows Vortis all round
Fitted DRL's Climair BLACK Wind Deflectors Lockwood grilles

RobinPZ72
Club Member
Club Member
Posts: 1335
Joined: Sat May 19, 2018 4:55 pm
Has thanked: 78 times
Been thanked: 40 times

Re: Looking for advice from an Insurance specalist

Post by RobinPZ72 » Fri Feb 01, 2019 9:02 pm

Yeah I never get away with anything, so I declare everything and my insurance is cheap about £20/month, so don't see the point in telling porkies!

User avatar
kopite72
Club Member
Club Member
Posts: 9966
Joined: Wed Dec 28, 2011 8:30 am
RX-8: R3
Colour: Diamond Grey
Location: Cork Ireland
Has thanked: 253 times
Been thanked: 422 times

Re: Looking for advice from an Insurance specalist

Post by kopite72 » Fri Feb 01, 2019 9:43 pm

RobinPZ72 wrote:
Fri Feb 01, 2019 8:45 pm
That's not something I'd admit too, but hey who's looking anyway!

Please forgive me if I'm totally wrong, but if you cause an accident or worse deaths surly your insurance would be void if checked!
Even if I was unfortunate enough to be the cause of an accident I doubt very much my insurance company would be bothered about my Milltek cat back or my MZ Customs kit or my Japspeed dropliknks as a possible source for causing the accident in the first place.

The main cause of most accidents is the loose nut behind the wheel :whistle: :whistle:
PLAN...RR HB OR FB PLATINUM REBUILD
FULL RESPRAY

DONE...
FULL MZ CUSTOMS KIT
MILLTEK CATBACK
JAPSPEED DROPLINKS
FULL ALLOY REFURB
RR D585 COILs
6000K HID KIT
TINTS
20MIL SPACERS
PROJECT THREAD....http://www.rx8ownersclub.co.uk/forum/vi ... 04&t=59971

LOOKED AFTER BY THE FANTASTIC CREW AT ROTARY REVS
LOVING DORITOS SINCE 1991

RobinPZ72
Club Member
Club Member
Posts: 1335
Joined: Sat May 19, 2018 4:55 pm
Has thanked: 78 times
Been thanked: 40 times

Re: Looking for advice from an Insurance specalist

Post by RobinPZ72 » Fri Feb 01, 2019 9:51 pm

Aye there's plenty off them for sure and putting up my insurance too even though it's cheap it could be cheaper!

User avatar
Dazza44
Club Member
Club Member
Posts: 2329
Joined: Tue Jan 24, 2017 12:35 pm
RX-8: 231
Colour: Winning Blue
Location: stamford lincs
Has thanked: 168 times
Been thanked: 95 times

Re: Looking for advice from an Insurance specalist

Post by Dazza44 » Fri Feb 01, 2019 10:32 pm

When i declared my mods my insurance went up 13pds a month which i didnt find to bad as id rather not give them the possibility of refusing to cover the car in case of accident.

Sent from my SM-G920F using Tapatalk



User avatar
Dr. FrankenRex
Communications Team
Communications Team
Posts: 3931
Joined: Thu Jan 08, 2015 1:30 pm
RX-8: R3
Colour: Velocity Red
Location: Cotswolds
Has thanked: 195 times
Been thanked: 353 times
Contact:

Re: Looking for advice from an Insurance specalist

Post by Dr. FrankenRex » Wed Feb 20, 2019 10:21 am

kopite72 wrote:
Fri Feb 01, 2019 9:43 pm
Even if I was unfortunate enough to be the cause of an accident I doubt very much my insurance company would be bothered about my Milltek cat back or my MZ Customs kit or my Japspeed dropliknks as a possible source for causing the accident in the first place.

The main cause of most accidents is the loose nut behind the wheel :whistle: :whistle:
See, this is where the alternative angle comes in (assuming you're insured fully comprehensive of course).

Say you have your car written off in a freak accident - say a tree falls on it in a storm for example. Nobody at fault, but you - rightly so - want to claim on your car insurance. That's why you have it, of course?

They would, in your scenario right now, give you market value for a boggo R3 at whatever mileage you're on.

In my scenario - mods declared - they would give me market value PLUS the associated values of the modifications to allow me to obtain a car that is in the same condition as the one written off.

I declare my mods for my benefit should I write it off, not the benefit of others :thumleft:

It's like insuring the contents of your house, but not telling them about a rolex watch above a certain value - you're only screwing yourself over in the event of a mishap IMO


EDIT: I don't mean things like upgraded brake pads or braided hoses, I mean more like a BBK ;)
FrankenRex2, leaner and meaner. RR Full Bridge rebuild with Race Extension porting, Cusco Strut Brace, RB Header, RB Dual Res Decat, Pettit Catback, Eibach lowering springs, Maserati 6 pot brakes, braided brake lines, custom built DRLs, track wheels, Custom front and rear lights, braided clutch line, RB ARBs - the list goes on!

User avatar
SeriousSam
Forum Moderator
Forum Moderator
Posts: 2807
Joined: Sun May 06, 2012 3:32 pm
RX-8: 231
Colour: Velocity Red
Location: Blazingstoke
Has thanked: 30 times
Been thanked: 219 times

Re: Looking for advice from an Insurance specialist

Post by SeriousSam » Wed Feb 20, 2019 10:41 am

I have an agreed value policy with REIS for that exact reason. The market value of my car is £1500 if we're being generous, but should it be written off I will receive 5 grand less my excess, which helps ease the pain somewhat.

The other thing of course is that insurers are slippery b*****, and will find any excuse they possibly can to not pay out. Your car may be technically upgraded rather than modified, but if they didn't know about it they will use that technicality to not cover you. And assuming the incident was your fault, you are then personally liable for the cost of your own car and whatever you smacked. So let's say that Ferrari you hit was going faster than you thought it was, and you thought you could pull out in front of it safely because it flashed its headlights at you, but it hit you anyway, you've now got to pay for their repairs as well as your own.

Fortunately I've only had to deal with insurance claims once, for a not-fault collision that wrote off my Lexus. They know all the tricks, and will stall for as long as they can to try and force you to take a lower payout than is justified even if they are fully liable for it. It took me 6 months to get paid after I pranged that car, so it was fortunate I had a spare sat on the drive - they offer you less than it's worth, and then hope that you're in such a tight spot that you will accept the lower offer just so you can buy another car. Again, b*****. But b***** who you're legally obliged to work with.
To Do List: HKS CAMP2 install; cruise control; new exhaust; detail paintwork, possible respray

Done: Hayward Rotary rebuild and stage 2 port; Racing Beat ARBs, adjustable front droplinks, ram air intake and lightened flywheel; Exedy stage 1 clutch; Eibach Pro-Kit lowering springs; Koyo radiator; heated front screen; EBC redstuff pads all round

User avatar
warpc0il
Spin Doctor
Spin Doctor
Posts: 19777
Joined: Sat Sep 06, 2008 10:56 pm
RX-8: 231
Colour: Lightning Yellow
Location: Groomsport, Co Down, NI
Has thanked: 236 times
Been thanked: 857 times
Contact:

Re: Looking for advice from an Insurance specialist

Post by warpc0il » Wed Feb 20, 2019 10:50 am

On the subject of delaying tactics and trying to get you to accept a lower payout, I found that the best way to get the insurance company's attention was to hire a replacement car and send them the bill every week.

Within 2 weeks it was "your case has been given priority" and we got the full payout within 3 weeks, this being after over 2 months of stalling.
Dave
The Spin Doctor ™
uǝǝɹɔs ɹnoʎ ʇɹǝʌuı ǝsɐǝld :ɹoɹɹǝ

User avatar
bigpete8
Club Member
Club Member
Posts: 539
Joined: Wed May 17, 2017 12:27 pm
RX-8: 231
Colour: Sunlight Silver
Location: Tyne & Wear
Has thanked: 56 times
Been thanked: 51 times

Re: Looking for advice from an Insurance specialist

Post by bigpete8 » Wed Feb 20, 2019 12:31 pm

The couple of times I've had issues with my insurers they do tend to be swayed by what is going to cost them
- When My VW Scirocco was written off they offered me something paltry even though I had evidence of loads of work having been done to the car (not by me), dragged on for months then eventually I sent them a letter giving evidence of what was available to buy and threatened to start charging storage on the car til they sorted it.
Got a response increasing the offer considerably. (this is 15 odd years ago)

- More recently Insurer got my car repaired no problem (couldn't fault that) but kept messing up on the liability side - In the end wrote a complaint letter detailing their shortcomings and got goodwill gesture and them to deal with the liability claim properly which ended in no fault claim.
(they originally just couldn't be bothered and wanted to go knock for knock)
Sunlight Silver 231
Trying run on a budget to keep the noise level down - from the missus!

User avatar
Eddie_r32
Club Member
Club Member
Posts: 939
Joined: Fri Feb 12, 2016 6:18 pm
RX-8: 231
Location: Henley-on-Thames
Has thanked: 31 times
Been thanked: 84 times

Re: Looking for advice from an Insurance specialist

Post by Eddie_r32 » Wed Feb 20, 2019 12:57 pm

Germany have TUV and all parts have to go through TUV testing, we are lucky that we don't need that and can basically put whatever we want on our cars as long as the insurance company will cover it.
2007 Galaxy grey 231 with full RRP bridge.

User avatar
warpc0il
Spin Doctor
Spin Doctor
Posts: 19777
Joined: Sat Sep 06, 2008 10:56 pm
RX-8: 231
Colour: Lightning Yellow
Location: Groomsport, Co Down, NI
Has thanked: 236 times
Been thanked: 857 times
Contact:

Re: Looking for advice from an Insurance specialist

Post by warpc0il » Wed Feb 20, 2019 1:20 pm

I used to have lots of dealings with the TÜV, with their HQ in Köln, just around the corner from the Ford plant.
https://www.tuv.com/world/en/customizat ... ation.html
Dave
The Spin Doctor ™
uǝǝɹɔs ɹnoʎ ʇɹǝʌuı ǝsɐǝld :ɹoɹɹǝ

Post Reply

Return to “Adrian Flux Insurance Services”