Jump to content


FEC and Adrian Flux Insurance


  • Please log in to reply
42 replies to this topic

#21 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 13 February 2012 - 07:14 PM

Quote

This is just what Craig has told me. Your post is incorrect.
What i mean is that you can do any performance increase's as long as you tll them what has/was done.

yes but YOU had put this and you were also questioned by another member and i quote again #7 "If you have declared all mods to them >>>>>> you can do what you want performance wise" <<<<<<

what your saying here is that once you have already declared mods you can do what you want afterwards to performance

YOU ARE WRONG

where is craig get him to message me or if your reading this message me.

#22 vinnyvangough

vinnyvangough

    Ford Club Admin

  • Administrators
  • 14,097 posts
  • LocationHolsworthy, Devon
  • Drives:RS2000 & Mk2

Posted 13 February 2012 - 07:23 PM

No what i am saying is it does not matter what performance mods you do to the car as long as you tell the insurance company and they ok it, its fine.

#23 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 13 February 2012 - 08:19 PM

Quote

No what i am saying is it does not matter what performance mods you do to the car as long as you tell the insurance company and they ok it, its fine.

yes what you are saying now yes

#24 vinnyvangough

vinnyvangough

    Ford Club Admin

  • Administrators
  • 14,097 posts
  • LocationHolsworthy, Devon
  • Drives:RS2000 & Mk2

Posted 13 February 2012 - 08:25 PM

What is your problem Ash?
I have explained that you mis-understood what i had put and i have explained in simple terms what i meant. So why the nit picking?

#25 dazzars87

dazzars87

    Advanced Member

  • Members
  • 384 posts
  • LocationEastbourne
  • Drives:Escorts

Posted 13 February 2012 - 09:37 PM

this is who i used to get my insurance for my cabby, good to see now where teamed up :thumbup:

#26 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 15 February 2012 - 10:09 PM

Quote

What is your problem Ash?
I have explained that you mis-understood what i had put and i have explained in simple terms what i meant. So why the nit picking?

the problem was originally your 2 posts you put contradicted each other then said that i was wrong

#27 vinnyvangough

vinnyvangough

    Ford Club Admin

  • Administrators
  • 14,097 posts
  • LocationHolsworthy, Devon
  • Drives:RS2000 & Mk2

Posted 15 February 2012 - 10:10 PM

They didnt contradict.

As i explained, you read/took them wrong

#28 sprento

sprento

    Advanced Member

  • Members
  • 308 posts

Posted 15 February 2012 - 11:07 PM

OMFG !
As Vinny said,  "If you have declared all mods to them you can do what you want performance wise.", ie, if you declare all mods (including performance mods) you are free to add/mod your car and your insurance will continue to be valid, cost more but still valid assuming they are willing to insure you.

#29 Escort_lad

Escort_lad

    Lube Applicator

  • Members
  • 2,534 posts
  • LocationNewbury
  • Drives:Escort Estate

Posted 15 February 2012 - 11:08 PM

Spoke to a copper today and got onto the subject of cars and he said that they dont class alloys and bodykit as mods

And another thing does that link do the 15% discount when you get a quote as i got a quote for 1600 with mods declared and seeming im paying 1200 at the mo all mods decalred it seemed a bit steep

#30 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 17 February 2012 - 06:30 PM

LMFAO!, here you go then say i have declared visual modifications ie bodykit alloys, and then i do what i want performance, i strap a turbo to a standard non turbo factory fitted engine because i have done what i want, would the insurance pay out if something happened??

how can you declare mods you haven't done to your car to the insurance?

so what your saying is if i apply for insurance on a car and declare absolutely every modification out there is to do to the car, i can do any of them i wished?

#31 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 17 February 2012 - 06:33 PM

Quote

Spoke to a copper today and got onto the subject of cars and he said that they dont class alloys and bodykit as mods

And another thing does that link do the 15% discount when you get a quote as i got a quote for 1600 with mods declared and seeming im paying 1200 at the mo all mods decalred it seemed a bit steep

hmmm i got pulled over in my old escort and he pointed out every mod and said are they all declared for :/ bodykit alloys tinted windows diff light clusters air filter exhaust...

#32 vinnyvangough

vinnyvangough

    Ford Club Admin

  • Administrators
  • 14,097 posts
  • LocationHolsworthy, Devon
  • Drives:RS2000 & Mk2

Posted 17 February 2012 - 07:17 PM

Quote

LMFAO!, here you go then say i have declared visual modifications ie bodykit alloys, and then i do what i want performance, i strap a turbo to a standard non turbo factory fitted engine because i have done what i want, would the insurance pay out if something happened??

how can you declare mods you haven't done to your car to the insurance?

so what your saying is if i apply for insurance on a car and declare absolutely every modification out there is to do to the car, i can do any of them i wished?

No they wouldn't because you havn't declared them.

Thats what i am saying. Declare ALL the mods you have done.

If you then fit a turbo, you would have to ring the insurance company, tell them you have fitted a turbo, then they would tell how much extra, if any, you would have to pay. Bearing in mind they could turn round and tell you that they will now not insure you and then void your insurance.

Also why would you declare mods you havn't done?

And as for your 3rd point, where have i ever said you can do that?

#33 AshRS

AshRS

    Advanced Member

  • Members
  • 497 posts

Posted 18 February 2012 - 12:19 AM

i know.

the 2nd and 3rd point was for sprento,

#34 sprento

sprento

    Advanced Member

  • Members
  • 308 posts

Posted 18 February 2012 - 07:11 AM

Maybe I wasn't clear enough earlier, if you declare all mods each and every time you make one and the insurance company agree to honour the contract, then in theory, you can do what you want to the car. The overall quote will go up in price, some insurers may refuse to cover you, some don't care as long as you meet their costs. Essentially, if you are willing to declare all mods then you can do what you want, be it performance, visual, safety, whatever.

#35 DAN@ADRIAN FLUX

DAN@ADRIAN FLUX

    Advanced Member

  • Members
  • 32 posts

Posted 20 February 2012 - 09:49 AM

Hiya,

Just to clear up any confusion ALL modifications have to be declared to your insurer / broker regardless. Anything that is non-standard when it left the manufacturer should be mentioned although in many cases it won’t affect your premium – in fact modifications can in certain cases reduce the premium.
Depending on the insurer, the modifications done may have an impact on the premium.  In some instances we have a number of schemes with specialist underwriters, where modifying your car can result in cheaper premiums as they feel the owner is more of an enthusiast and more inclined to look after their car.

Thanks
Dan

#36 samuel

samuel

    Advanced Member

  • Members
  • 1,812 posts
  • Locationbude north cornwall
  • Drives:99 ford escort

Posted 20 February 2012 - 12:43 PM

w

Quote

Hiya,

Just to clear up any confusion ALL modifications have to be declared to your insurer / broker regardless. Anything that is non-standard when it left the manufacturer should be mentioned although in many cases it won’t affect your premium – in fact modifications can in certain cases reduce the premium.
Depending on the insurer, the modifications done may have an impact on the premium. In some instances we have a number of schemes with specialist underwriters, where modifying your car can result in cheaper premiums as they feel the owner is more of an enthusiast and more inclined to look after their car.

Thanks
Dan
what type of mods would be likely to bring your insurance down then? :cool:

#37 DAN@ADRIAN FLUX

DAN@ADRIAN FLUX

    Advanced Member

  • Members
  • 32 posts

Posted 21 February 2012 - 09:27 AM

Quote

w

what type of mods would be likely to bring your insurance down then? :cool:

Hiya,

In our experience our modified schemes perform very well and in a number of instances they perform better than the equivalent schemes for the standard cars.

Thanks
Dan


#38 heavyrightfut

heavyrightfut

    Grim Reaper for Escorts

  • Administrators
  • 10,251 posts
  • LocationBarnsley, South Yorkshire
  • Drives:Focus RS

Posted 21 February 2012 - 06:03 PM

I can't complain at the quote I just received from them - well happy

#39 HasAki

HasAki

    Advanced Member

  • Members
  • 1,375 posts
  • LocationLondon
  • Drives:Mk.6 Track Car

Posted 21 February 2012 - 06:22 PM

I tried to get a quote online but they wouldn't insure me?! :s

#40 heavyrightfut

heavyrightfut

    Grim Reaper for Escorts

  • Administrators
  • 10,251 posts
  • LocationBarnsley, South Yorkshire
  • Drives:Focus RS

Posted 21 February 2012 - 06:29 PM

Quote

I tried to get a quote online but they wouldn't insure me?! :s

Ring them