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Admiral reckon any non-factory part on my car is a modification

Discussion in 'Motors' started by MrRockliffe, May 31, 2019.

  1. cheesyboy

    Capodecina

    Joined: Dec 7, 2012

    Posts: 11,236

    Location: Gloucestershire

    Floor mats :D

    Do you have to declare a magic tree too?
     
  2. robj20

    Sgarrista

    Joined: Apr 9, 2007

    Posts: 7,570

    Location: Manchester

    I've had two claims with them as well, both times the car would have had bosch or piaa wipers, mats.
    One they did pull up the fact i had a quick shift and bumper splitter. To which i said it was second hand and i had no idea. No issues.
    Both times they were a pleasure to deal with.
     
  3. Funky-Melon

    Gangster

    Joined: Jan 26, 2018

    Posts: 489

    Location: Southampton

    It's one of the reasons I left Admiral too. Absolutely stupid.

    On my old Volvo I swapped the wheels for 17" alloys, added a strut brace, changed the radio and didn't declare any of them but only because all of the parts were genuine Volvo parts and could have been specified for my model from the factory when new.

    Even then it's potentially risky but unless anyone has the original spec sheet for the car when it was purchased, how the hell are they meant to know....
     
  4. robj20

    Sgarrista

    Joined: Apr 9, 2007

    Posts: 7,570

    Location: Manchester

    There not expected to know. Which is why every single insurance policy has the note along the lines of "as far as you know"
     
  5. Raymond Lin

    Capo Crimine

    Joined: Oct 20, 2002

    Posts: 62,927

    Location: Wish i was in New York

    Is that means a Polestar remap for mine isn't considered a mod ? :D
     
  6. Funky-Melon

    Gangster

    Joined: Jan 26, 2018

    Posts: 489

    Location: Southampton

    Many insurance companies don't do much about the Polestar mod from what I've read.

    It's complete crap though in terms of value for money, little gain for the cost. Far better off with an MTE map IMO, cheaper and more power.

    My Uncle is a master tech at Volvo and even he doesn't recommend them to customers :D
     
  7. Mercenary Keyboard Warrior

    Sgarrista

    Joined: Aug 4, 2007

    Posts: 8,358

    Location: Wilds of suffolk

    Despite that its what it normally says whilst going through the quote stage. Part of the problem is also that they are all different on how they treat mods, so you need to be particularly careful when going through comparison sites.
    I have never heard of any insurer being interested in wiper blades though :)
     
  8. Raymond Lin

    Capo Crimine

    Joined: Oct 20, 2002

    Posts: 62,927

    Location: Wish i was in New York

    But MTE map I would need to declare though right?
     
  9. Funky-Melon

    Gangster

    Joined: Jan 26, 2018

    Posts: 489

    Location: Southampton

    Yes, however, when I declared my last remap it was £30. I was also 22 at the time....

    MTE map takes yours to 260hp for around £400 vs 250hp for £750 from the polestar.

    You'll also be at over 400nm of torque which makes the real difference.
     
  10. Raymond Lin

    Capo Crimine

    Joined: Oct 20, 2002

    Posts: 62,927

    Location: Wish i was in New York

    Auto box though…..
     
  11. Funky-Melon

    Gangster

    Joined: Jan 26, 2018

    Posts: 489

    Location: Southampton

    Ah, you'll be torque limited in first but it'll still make a difference.

    Definitely worth having. Our T5 is a bit 'limp' in standard mode, unlike the older high pressure turbo T5's.
     
  12. Nasher

    Capodecina

    Joined: Nov 22, 2006

    Posts: 12,165

    Surely that creates a big grey area for used cars. You could play dumb (or genuinely not notice) with any mods and they have no way to prove otherwise. "Yea I didn't know it was remapped", or "what's a coilover?".
     
  13. Stephanie Peterson

    Hitman

    Joined: Jan 9, 2019

    Posts: 724

    Bye bye Admiral then if they are going to play silly buggers.
    Lots of insurance companies out there, i change all the time as they tend to mess me about with crap second or third year quotes... so ta ta then.
     
  14. Resident

    Wise Guy

    Joined: Mar 10, 2012

    Posts: 2,058

    Manufacturers keep a record which can be accessed. It keeps a record of the car's spec as it rolled off the line plus any additional warranty/recall notice/work

    I used to be able to access Ford's ETIS and look at everything my car came with, which was useful when one of the rear shocks went and I almost bought just 1 to replace it. Checked ETIS for the part number and found out it was fitted with self-levelling shocks on the rear, each costing 400 quid. I bought 2 standard ones for just over 100 quid and swapped out the self-levelling. Hasn't affected the car in the slightest.
     
  15. grudas

    Capodecina

    Joined: Mar 12, 2008

    Posts: 19,990

    Location: West sussex

    They're funny with their mods..

    It's along the lines of please pay to add them but if you crash we won't be replacing them.. which is why I went with a different company on renewal
     
  16. dacads

    Capodecina

    Joined: Sep 3, 2012

    Posts: 10,272

    Location: Space

    Can't go wrong with their multicar policy, renewal was £100 more so rang them up and got it reduced by almost £500.
     
  17. SarGara

    Hitman

    Joined: May 15, 2012

    Posts: 737

    Location: Nottingham

    Any decent company (such as most brokers) wouldnt have "tried it on" to shaft you with the £100 increase in the first place.
     
  18. Drollic

    Mobster

    Joined: Feb 24, 2013

    Posts: 3,236

    Location: East Midlands

    Ask them how to proceed when the specific factory fitted tyres for your car are no longer manufactured.
     
  19. dacads

    Capodecina

    Joined: Sep 3, 2012

    Posts: 10,272

    Location: Space

    True but most of the saving was due to additional drivers not needed being removed
     
  20. robinbanks

    Gangster

    Joined: Feb 18, 2012

    Posts: 231

    Location: witney

    Better make sure you read the manual for your car, You will be kicking yourself if you filled up with normal supermarket fuel when you are supposed to be only using bp ultimate fuel and find your insurance is invalid :D.

    I think someone might be a fedup working for them so is trying to get them to losse costomers. I've never had a issuse getting insurance with them, But they will charge you extra on nearly everything. Plus they are really crap for payouts i would avoid if possible.