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Insurance for modified vehicle
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yellowbelly
 


Member Since: 16 Oct 2013
Location: Lincolnshire
Posts: 151

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Vienna GreenDiscovery 3
Insurance for modified vehicle

So having been let down badly by A Plan i need to source a quote for my D3. Is anybody using any other insurers who cover modified vehicles that i could try.
 55 Plate Disco 3 HSE. EGR blanked, Decat exhaust, AMK Compressor, bought 20 Dec 13. Watch this space for future upgrades. - Disco 4 front cup holders, D4 Bluetooth, Brembo 4 pot front V8 rear brakes, front diff breather mod, BAS FBH controller, fixed towbar, D4 heated washer jets
Silicone intercooler hoses, RS 500 Intercooler, decat exhaust, remap
IID tool used to enable 3 flash indicators, clock on dash, reverse follow me home lights, snotm, AMK compressor update and still learning 
 
Post #17862523rd Mar 2017 8:03 am
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72742

Ukraine 

One of mine has a fair list of mods, covered by NFU. Thumbs Up
   
Post #17862533rd Mar 2017 8:11 am
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oldskoolskater
 


Member Since: 31 Mar 2016
Location: Gateshead
Posts: 234

United Kingdom 2007 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Let down in what way?
  
Post #17862663rd Mar 2017 8:49 am
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yellowbelly
 


Member Since: 16 Oct 2013
Location: Lincolnshire
Posts: 151

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Vienna GreenDiscovery 3

Thanks i will give them a try.
 55 Plate Disco 3 HSE. EGR blanked, Decat exhaust, AMK Compressor, bought 20 Dec 13. Watch this space for future upgrades. - Disco 4 front cup holders, D4 Bluetooth, Brembo 4 pot front V8 rear brakes, front diff breather mod, BAS FBH controller, fixed towbar, D4 heated washer jets
Silicone intercooler hoses, RS 500 Intercooler, decat exhaust, remap
IID tool used to enable 3 flash indicators, clock on dash, reverse follow me home lights, snotm, AMK compressor update and still learning 
 
Post #17862673rd Mar 2017 8:49 am
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72742

Ukraine 

Or Adrian Flux. Thumbs Up
   
Post #17862683rd Mar 2017 8:51 am
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NJSS
 


Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10464

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Or Footman James Thumbs Up Thumbs Up

http://www.footmanjames.co.uk/?gclid=Cj0KE...Ao2n8P8HAQ

NJSS
 Am I Gammon or Woke ? - I neither know nor care.

2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t. 
 
Post #17863063rd Mar 2017 10:40 am
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John P
 


Member Since: 12 Aug 2011
Location: West Sussex
Posts: 1270

United Kingdom 2006 Discovery 3 TDV6 HSE Auto Lugano TealDiscovery 3

DSL wrote:
Or Adrian Flux. Thumbs Up


I'm with Adrian Flux as well, and mine is modified and no issues. Thumbs Up
  
Post #17863073rd Mar 2017 10:46 am
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 13805

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

Mines modified and A-Plan have been brilliant. Thumbs Up

Looking at your mods, they are very similar to mine.
 New Defender L663 110 SE (known as Noddy!)

Sold Volvo XC90 R-Design (known as Basil)

Sold - D4 HSE (Known as Gerty)

No longer the Old Buses original owner Sad
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control 
 
Post #17863153rd Mar 2017 11:11 am
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yellowbelly
 


Member Since: 16 Oct 2013
Location: Lincolnshire
Posts: 151

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Vienna GreenDiscovery 3

oldskoolskater wrote:
Let down in what way?


Let down in as much as my renewal came through yesterday with a favorable price. I rang to pay it and whilst going through the details the question of modifications was raised. I said that they were the same as previous years - which i declare every time and as per my profile on here and they stated that they did not have a record of any modifications. The ran this past the insurer who has declined to offer insurance based on the modifications and the next cheapest quote they could offer me is over £100 more expensive.

The worrying thing from my point of view is that i could have been driving around for the last year with a vehicle which in the event of an accident may not have been insured. Last year when i renewed there was no record of the modifications on the documents and i rang to query it and was told its ok they have a record of them.
 55 Plate Disco 3 HSE. EGR blanked, Decat exhaust, AMK Compressor, bought 20 Dec 13. Watch this space for future upgrades. - Disco 4 front cup holders, D4 Bluetooth, Brembo 4 pot front V8 rear brakes, front diff breather mod, BAS FBH controller, fixed towbar, D4 heated washer jets
Silicone intercooler hoses, RS 500 Intercooler, decat exhaust, remap
IID tool used to enable 3 flash indicators, clock on dash, reverse follow me home lights, snotm, AMK compressor update and still learning 
 
Post #17863753rd Mar 2017 1:45 pm
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yellowbelly
 


Member Since: 16 Oct 2013
Location: Lincolnshire
Posts: 151

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Vienna GreenDiscovery 3

Thanks for the steers. I have just got a really good price from Adrian Flux including all of the modifications so now fully ensured again Very Happy
 55 Plate Disco 3 HSE. EGR blanked, Decat exhaust, AMK Compressor, bought 20 Dec 13. Watch this space for future upgrades. - Disco 4 front cup holders, D4 Bluetooth, Brembo 4 pot front V8 rear brakes, front diff breather mod, BAS FBH controller, fixed towbar, D4 heated washer jets
Silicone intercooler hoses, RS 500 Intercooler, decat exhaust, remap
IID tool used to enable 3 flash indicators, clock on dash, reverse follow me home lights, snotm, AMK compressor update and still learning 
 
Post #17863853rd Mar 2017 2:11 pm
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 13805

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

yellowbelly wrote:
oldskoolskater wrote:
Let down in what way?


Let down in as much as my renewal came through yesterday with a favorable price. I rang to pay it and whilst going through the details the question of modifications was raised. I said that they were the same as previous years - which i declare every time and as per my profile on here and they stated that they did not have a record of any modifications. The ran this past the insurer who has declined to offer insurance based on the modifications and the next cheapest quote they could offer me is over £100 more expensive.

The worrying thing from my point of view is that i could have been driving around for the last year with a vehicle which in the event of an accident may not have been insured. Last year when i renewed there was no record of the modifications on the documents and i rang to query it and was told its ok they have a record of them.


So why didn't you confirm it in writing or by email in your original quote? I never trust anything over the phone: You are then left in the hands of the individual who inputs the data.
 New Defender L663 110 SE (known as Noddy!)

Sold Volvo XC90 R-Design (known as Basil)

Sold - D4 HSE (Known as Gerty)

No longer the Old Buses original owner Sad
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control 
 
Post #17866813rd Mar 2017 11:26 pm
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yellowbelly
 


Member Since: 16 Oct 2013
Location: Lincolnshire
Posts: 151

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Vienna GreenDiscovery 3

Lesson learned
 55 Plate Disco 3 HSE. EGR blanked, Decat exhaust, AMK Compressor, bought 20 Dec 13. Watch this space for future upgrades. - Disco 4 front cup holders, D4 Bluetooth, Brembo 4 pot front V8 rear brakes, front diff breather mod, BAS FBH controller, fixed towbar, D4 heated washer jets
Silicone intercooler hoses, RS 500 Intercooler, decat exhaust, remap
IID tool used to enable 3 flash indicators, clock on dash, reverse follow me home lights, snotm, AMK compressor update and still learning 
 
Post #17867024th Mar 2017 7:10 am
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