Member Since: 20 Mar 2014
Location: Glasgow
Posts: 215
Sump guard invalidating insurance
I phoned my insurance company (Privilege) today to tell them I'd got a set of 18" alloys for my D4 with all terrain tyres and swapped them over as required.
No problem they said - and no charge. Just a change of alloys.
Just before ending the call, I said - by the way, can you add the sump guard I've put on (recently purchased from RLD).
This apparently is an insurance refusal. So now I either have to remove it or change insurance companies for a mod which actually reduces the risk to the insurance company (as it reduced the likelihood of major damage to the car either on or off road).
It does strike me as somewhat bizarre and I wondered what others' experience was..... 1981 Unimog U1300L (ex German Army vehicle
Previous:
Discovery 3 G4 Challenge
Golf R DSG
BMW 535d M Sport Touring
2010 D4 HSE in Nara Bronze
1st May 2014 12:38 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 13906
Never had an issue with sump guard. Try APlan or Adrian Flux.
Lv accepted my sump guard but I've now changed to aplan and everything is covered including Offroad and green LanesMark.
2006, D3 SE Auto - gone but not forgotten.
2014 BMW 530d M Sport Tourer.
1977 Triumph Spitfire 1500
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Disco Picture Website Here
1st May 2014 1:02 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23366
A sump guard is also a genuine LR accessory. The LR one is made by Mantec, not RLD, but from an insurance point of view there's no difference.
I'd want to speak to an underwriter at Privilege. I suspect it just wasn't on the "script" that the person you spoke to uses, so they refused it.2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography
1st May 2014 1:09 pm
grzesiul
Member Since: 11 May 2008
Location: UK
Posts: 6266
insurance is scam
G
1st May 2014 1:10 pm
Scarab
Member Since: 11 Jun 2011
Location: Hastings
Posts: 1283
Admiral were initially unsure about such things as it was obviously off script. I had to get a written letter from one of the underwriters there to get it cleared up in the end, took a few days of speaking to people who knew nothing about sump guards to get through to someone of use.
1st May 2014 1:33 pm
Dan the Man
Member Since: 20 Mar 2014
Location: Glasgow
Posts: 215
It's really unfortunate I only renewed about 6 weeks ago.
The sump guard was actually on their list of insurance exclusions, rather than items they should refer to their underwriters.
I was insured with them last year & they wanted upwards of £500, but by going through a comparison website I halved that - and stayed with the same company. Damn scam..... 1981 Unimog U1300L (ex German Army vehicle
Previous:
Discovery 3 G4 Challenge
Golf R DSG
BMW 535d M Sport Touring
2010 D4 HSE in Nara Bronze
1st May 2014 1:47 pm
Sloss
Member Since: 18 Aug 2013
Location: Aberdeenish
Posts: 1691
You will need to be careful if you move as it could be classed as 'Refused Insurance' Stew,
2010 D4 gone but I really loved it
Went back to Merc - C350 AMG
Mods:
Original Beanie Narpy Grill, Black lettering, De-Tango'ed, Side steps, Hids LEDs upgrade, Halo DRL, Smoked side repeaters, D4 Bluetooth upgrade, Flacks magic with the fault mate, Upgraded D4 compressor, ERG's blanked, Tints, D4 rear lights, Short rails & cross bars, LR Ladder. Reversing camera (needs activating!!)
1st May 2014 3:39 pm
grzesiul
Member Since: 11 May 2008
Location: UK
Posts: 6266
Really , they where the cheapest I found as well as the best policy 😊
And no I don't work for them Mark
Remember its only an obsession....
Mods:
Original Beanie Narpy Grill, Black lettering, De-Tango'ed, Side steps, Hids LEDs upgrade, Halo DRL, Smoked side repeaters, D4 Bluetooth upgrade, Flacks magic with the fault mate, Upgraded D4 compressor, ERG's blanked, Tints, D4 rear lights, Short rails & cross bars, LR Ladder. Reversing camera (needs activating!!)
1st May 2014 3:43 pm
Scarab
Member Since: 11 Jun 2011
Location: Hastings
Posts: 1283
grzesiul wrote:
A Plan is awesome but pricey
I gave them a try last month and they were quite a bit more pricey than everywhere else. About £300 more than all the others.
They certainly seemed well geared up to deal with kitted out D3's but sadly the price, for me, didn't justify it this time.
Rubbish all you have done replace a plastic bit for a metal one not a modHome of RLD Hidden winch mounts Spare wheel Locks Trailer Body Fabrication ray@rld-tech.co.uk D3/4 sump plates MY 14 sump plates and the Discovery Sport wheel protectors Discovery 5 wheel locks
more Helsport tents and other things for camping Law of Mechanical Repair:
"After your hands are coated with grease, your nose will begin to itch and you'll have to pee!"
1st May 2014 3:54 pm
MarsKy
Member Since: 23 Dec 2011
Location: Lanarkshire
Posts: 847
Anything not standard factory specification is treated by Privilege as a modification. And I have notified mine of Uncle Ray's wheel protector
"You must tell us what modifications you intend to make and obtain our agreement prior to making them. Modifications are changes to your car’s standard specification, including optional extras. These include, but are not restricted to, changes to the appearance and/or the performance of your car (including wheels, suspension, bodywork and engine).
Failure to provide correct information or inform us of any changes could adversely affect your policy, including invalidating your policy or claims being rejected or not fully paid".
It also includes "changes made to the car by the previous owner(s)" which is a bit of a tall order to find out.
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