Member Since: 07 Sep 2015
Location: Oxford
Posts: 1107
I've a long list of modifications accepted by NFU...Jim
2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone
22nd Nov 2023 10:40 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14379
Interestingly Admiral all of accepted mine even though they couldn't tick the box. They just added it to the notes. 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
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
22nd Nov 2023 10:44 pm
RRUK Site Supporter
Member Since: 16 Aug 2005
Location: UK
Posts: 675
I’ve not even mentioned any mods. Not that they are huge but an extra light on the front.
I don’t get why others can get a cheap policy and some of us can’t even get a quote.1998 Defender 110 TUM HS FFR Hard Top XD WOLF
2016 Discovery 4 HSE
1982 Series 3 2.25 Petrol Hard top- Oscar, as featured in Classic Land Rover Magazine for 7 months
23rd Nov 2023 6:47 am
Worms
Member Since: 24 Sep 2023
Location: Highlands
Posts: 394
Swapping vehicles mid year from FL2 to D3, Direct Line were a straight "No" for me if there were any modifications whatsoever. They quoted £650 for no modifications but even the raised air intake was a No. RAC accepted raised air intake and wheel spacers for about £550, so a win there!Previously:
2010 FL2 TD4e GS
‘93 Defender 110 200TDi CSW - still got this, non-runner on SORN.
‘87 Defender 90 4 cyl Petrol
‘83 110 CSW V8 - best ever!
Range Rover 2-door V8 (not sure of year - 4-speed box and vacuum diff switch)
Series III SWB Diesel
23rd Nov 2023 6:51 am
DIY Ace
Member Since: 06 Feb 2019
Location: Hampshire
Posts: 971
Modifications are a contentious issue when I discuss it with pals. Some declare, some don't. Personally I've always declared then as I cannot face the idea of a forensic mechanic ripping the car apart in the event of a fatal accident. The idea of an insurance company not paying out because I didn't declare a roof rack, or the wheel spacers, is wholly scary.2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2588
Its an odd one. If its fitted to the car by the manufacturer some insurance companies are not interested. So the BMW has a sky lounge, comfort pack, parking assist, comfort seats and tinted rear windows. Would the fact that it has the optional sunroof or heated and cooled cup holders be responsible for a crash and therefore allow the insurance to null and void the policy?
I have a Thule roof rack for the Volvo. When I put it on....do I have to ring the insurance to make the change...and then again when I take it off?
Personally wouldn't touch wheel spacers.
23rd Nov 2023 12:04 pm
Realist
Member Since: 21 Mar 2016
Location: South Wales
Posts: 357
I’m with Admiral and insure my D4 and a DS3 and pay £750 a year full comp.
Why wait, just go for it and enjoy life.
Previous….
Discovery 300TDI
Range Rover Vogue
2010 Discovery 4 GS Santorini Metallic Black
23rd Nov 2023 12:07 pm
RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1729
pjm-84 wrote:
Its an odd one. If its fitted to the car by the manufacturer some insurance companies are not interested. So the BMW has a sky lounge, comfort pack, parking assist, comfort seats and tinted rear windows. Would the fact that it has the optional sunroof or heated and cooled cup holders be responsible for a crash and therefore allow the insurance to null and void the policy?
I have a Thule roof rack for the Volvo. When I put it on....do I have to ring the insurance to make the change...and then again when I take it off?
Personally wouldn't touch wheel spacers.
There was a time when insurers were bumping up premiums for having stickers in your windows 2011 D4 XS 305 MY12 - gone but not forgotten
23rd Nov 2023 12:10 pm
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2588
Someone suggested LV for insuring my VW California and they wanted to know every extra.
I went through it in fine detail over the next 20min. Increased the price so that it was more expensive than my current renewal so its was a no.
23rd Nov 2023 12:20 pm
DIY Ace
Member Since: 06 Feb 2019
Location: Hampshire
Posts: 971
Factory options or manufacturer OEM parts seem not to be an issue on insurance, but certainly things like roof racks, wheels, engine mods, all either add to the appeal of it being stolen or in the case of engine mods, makes it a more powerful machine than when first sold.
The questionnaire on CompareTheMarket even has options for different model badges being put on.
Ultimately I just want to be able to do whatever I like to the car (I'm putting in a camper bed setup eg) without worrying that I will be uninsured should the worst happen.2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1729
Knowing insurance companies these days they will refuse to pay out as it wasn't designed to be slept in so your not using it as the manufacturer intended.2011 D4 XS 305 MY12 - gone but not forgotten
23rd Nov 2023 1:35 pm
DIY Ace
Member Since: 06 Feb 2019
Location: Hampshire
Posts: 971
Click image to enlarge
2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)
Member Since: 06 Feb 2019
Location: Hampshire
Posts: 971
That's from Admiral's quote screen.2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
I fitted Brembo 6 pots with the JLR logos, and larger LR wheels to both my RRS and D4.
I could have bought the vehicles with these already fitted, and so when the question was asked, I said 'not to my knowledge'.
Being genuine LR parts, the question of them not being up to it re quality or purpose would not stand up in court, so cannot see an issue.
They could always say brake pads that were not OE invalidated the policy, but at the end of the day, common sense would prevail, just how long it takes is another matter.
3 years and 5 months it took General Accident to accept a 'fire' claim on a car I had with an agreed value back in the 80's, but common sense did win in the end.
Insurance companies thrive on charging extra and refusing to pay out, however, at the end of the day the contract is fairly simple and the consumer is protected far more than you would think.
Dave2011 Discovery 4 Commercial SDV6 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
23rd Nov 2023 1:59 pm
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2588
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