The truth, the whole truth and nothing but the truth....

[Moschops]

Originally posted by uk_skyman
This they replied "ok sir so its a skyline what? we have no gts on our system" so im insured as a standard gtr wih no hassles

Mine was put down as a GTR, but they were more keen on whether it had an aftermarket bodykit or wheels than engine mods. spose it might make it more nickable and more of a risk in their eyes.

[turbob12]

Hi everyone, this is pretty much my first post so I'll say Hi to you all first.

I've had my R33 GTS25T for a few weeks now, I'm 33 and my insurance was £850 fully comp for me and my wife with protected no claims.

I told them about everything that I new had been changed in the car, Induction kit, exhaust, Apex boost controller, front mounted intercooler etc, but standard wheels (for now, until I can track down some nice 18 inchers).

The way I see it is, if it gets pranged I dont want the insurance company to riggle out of paying by saying it had mods that I hadn't told them about.

[kgleeson]

Norwich Union - £730 for standard GT-R33,

Told them about the NISMO exhaust and Blitz induction kit, cost went up by £90 to £820

Kev

[boab]

also norwich union (direct)

33 GTS25t

when asked "any modifications sir?"

i replied "it's got alloy wheels and a bodykit on it"

he replied "don't they come with those as standard?"

i replied " yeah, i suppose so"


and when it comes to engine mods.... what do i know??

[mattb]

You have to take into account whether you want your nice £2000 wheels insured too. It's alright having a cheap policy until some little twat goes and knicks your new wheels and the Insurance company only pays out for standard ones.

[boab]

i think what most people are trying to say....

when it comes to insurance companies in this country, how many of them know what's standard on skylines?

some people have said thier insurance companies haven't even heard of a GTS!

even my work is in the dark over it..

i work for michelin, they provide thier workers with free tyres, but they only give you the cars standard size..

when i took the GTS in, the guy checked his book, only had a UK spec GTR wich was something like 245/45/18 all round, i have 18's on my GTS with 225/45/18 on the front and 255/35/18 on the rear... the guy phoned michelin technical dept for the correct size for the GTS.... they didn't know, the tech dept phoned nissan UK... they didn't know either!!!


so if nissan UK don't have a clue that it's 16's as standard on a GTS, what is an insurance company going to know???

I have just spoken to a good friend of mine who used to work for Direct Line. I told him about this thread and he said the following....

"If you have fully comp insurance and you have to make a claim but have NOT declared your modifications (no matter how significant), the company will work out your extra premium for the modded car, and ask you to pay it. If you do this then they will be happy to pay your claim in full".

I find this hard to believe, but he assures me that this is the way it works. He should know as he worked in the motor claims department for about 3 years.

On this basis I can see no reason why anyone should declare their modifications.

Does anyone who works in an insurance company have any views on this?

[InsBro]

Originally posted by Besty
"If you have fully comp insurance and you have to make a claim but have NOT declared your modifications (no matter how significant), the company will work out your extra premium for the modded car, and ask you to pay it. If you do this then they will be happy to pay your claim in full".

Up to a point! Only that point, if you go past that point they can refuse to pay your claim and recover any costs including injury to third parties etc.


AS you will know from ringing round when you declare so many mods some companies simply say no. You can reach that point with D/L. - Better at quote stage though than claim stage.

Jeremy

[Jabberwock]

I find the Direct Line policy hard to believe too.......I suppose you never know but insurers are usually less than generous by definition. My experience from them was that all they required was the exact model, the % increase in engine power from standard due to modifications, and other mods such as bodywork etc.
This seemed fair to me at the time and also not too Draconian.


Ken.

[Lee Loader]

Norwich Union - £730 for standard GT-R33,

I had a quote from these 6 months ago for a R33 GTS standard, 7 years no claims, 30 years old and no points, £1200.
Bought the car and went to change the policy the day I was picking it up and they tried to tell me they wouldn't insure it anymore even though I had checked 3 times!!! Needless to say they I changed thier minds!!
When i moved house, about a 2 mile!!, my bike insurance didn't change but the Norwich wanted another £250 so i politley told them where to go and took my buisness to A-Plan £950!!!
I couldn't even get DVLA to reconise mine as a GTS and not a GTR!!!

[Booty-licious]

Hi Lee,

I know what you mean. My insurance runs out the end of this month. Quoted £980.00 with Tett Hamilton, thats a R33 GTS 2.5, non turbo, no mods, pure standard. I have 3 yrs no claims and early thirties. I hate the way insurance companies group all Skylines to the GTR it's not fair!

Claire

[Lee Loader]

Hi Claire,
I think the insurance companies assume that just because you have a fast car that your going to drive it like a hooligan and hence be more risk, when in fact you tend to have a bit more respect for the power you have and also the fact that you would need to buy a small oil field to run the bloody thing if you wanted to boot it everywhere tends to keep you driving it sensibly!!!
They group us in with the GTR, but of coarse if a payout was needed it wouldn't be grouped with the GTR prices then!!!!!
Have you tried A-Plan??

[weston]

I'm not an expert on anything but i'm sure it costs
no more to fix a dent on a porshe than a ford its the
potential to land the insurance company for a huge bill
in cars & injury claims. I'm sure i'm not the only one
but I only crash into expensive cars .... !

(but thats in my old passat) & i do 3 times as many miles
in it ...... my pension's gone down but they keep putting
up the car insurance ........

is it me or am a paranoid

[cokey]

My complaint is ,I went to adrian flux told them everything I could see from the auction sheet ! Declared no knowledge of bhp but promised to tell them anything I subsequently noticed on the car on arrival.
Then said that if a bhp figure was required~I would happilly comply if they paid for an inspection of the "real"Bhp on their chosen dyno... therefore providing a figure they would accept....blah blah...

uncomfortable silence where,by Bhp no longer came into the equwashzzion ?

Result Norwich union.....@£10000.
£30 Off for adding my 30 year old girlfriend !

So they quote anything !!!!

And if youve got a "schoolie" with 1 years no claim bonus then she can handle a supercar better than you at less risk ! even though you have so many years NO Claims bonus? that they refuse to recognise these and round them down to the maximum 6 years.... and
no I cant use those crash free years on my second car ????? are they saying I crashed and didnt tell them ? or Why do they have such big offices full of incompetent, vacuous ,unneccesary. badly dressed people with car parking in the city ? why is that ?
Cause you are more likely to get forced off the road to avoid maming children due to one of their moronic employees desperate to get to work inorder to think of a number and double it cause they had to watch Fast+Fcn Furious at there pals boyfriends house !!Plus we are all weirdos because we dont do needlepoint

THEY Possibley factor in
A) her fear.
B) she,ll drive slower to see herself in the shop windows
C) If you have a young lady then she will stop you indulge,n in street racing or other such uninsureable acts ?

Vid clip of Jenny at knockhill in her Vr6 shopping like a maniac available to all that DONT work in insurance

Rant over !
cokster

[st3v3_M]

Been reading this thread with interest for a while now and finally got my insurance yesterday for a 1999 R34 GTR with mods.
Went to Liverpool Victoria, to whom I declared all the mods, they stated thats all the mods were ok and wouldn't effect the premium as long as the engine size was not affected, which it isn't.
They asked me to gather photo evidence of the mods so that in the event of an accident I had proof of what needs to be replaced on the car ( I would recommend everyone with mods does this regardless of there policy anyway). I called twice and spoke to different people to confirm this and was giving them every opportunity to realise if they were wrong, but no that was the deal.
Now I have usual stage 1 mods plus body kit and Nismo ride height adjustable suspension, Nismo FMIC, Nismo clutch, Nismo oil cooler and soon to be fitted Apexi FC.

I am 36 with 7 years NCB £793.13 protected no claims. Good quote I think.