The truth, the whole truth and nothing but the truth.... - Page 5 - GT-R Register - Official Nissan Skyline and GTR Owners Club forum

Jade · 27th July 2006, 02:41 PM

Mines came into the country as standard, but its defo not standard.
It has 850cc injectors, dump valves, after market exhaust, intercooler, twin induction, turbo timer, turbo booster controller, and whatever else ive not seen lol

I declared its came into the country as standard but ive noticed a few things on it like the above, and found insurance for 729 FC, but waiting for 2 other companys to get back to me, they think they can beat that.

Merbals · 9th August 2006, 03:24 PM

Ok guys listen to my experience today on this very subject.

I have owned a Modified Impreza that I then changed to a VX220 T. On both these cars I ended with 3 years no claims. I then changed my vehicle again to a Nissan Navara (don't laugh). Anyway..I have just sold the Navara and finally thought ok time to go get my skyline like I have always dreamed of. So last night I brought a cheap renault clio (don't laugh again) to get me to work and back and tied me over until my skyline arrives in 2 months time.

Ok now for the best bit...I rang adrian flux to get a new quote for my skyline when I get it and another for my clio....I was told that I have now lost my 3years NCD. Why I hear you ask...well aparently because the Navara is classed as a comercial vehicle you can transfer a car NCD to comercial no probs BUT!!! you cannot transfer them back so I will have to insure one without any NCD!

I am a little upset now as my dream car is out of reach because to insure both vehicles will cost me £2400.00 as I don't want use the skyline every day. £450 for the clio ( cost me £250 to buy) and £1950 for the skyline.

Thats with 5k limited mile as well!!!

So I am a little up s**t creek without a paddle!

But can some one answer how if I get points in one car they are carried across....How if I have an accident its carried across??? Basically anything to penalise you is carried across but anything for you is not!

Robbing b******ds thats all I can say worse than the IRS!!!

DSCGTR · 17th January 2007, 11:38 AM

Quote:

Originally Posted by Merbals

Ok guys listen to my experience today on this very subject.

I have owned a Modified Impreza that I then changed to a VX220 T. On both these cars I ended with 3 years no claims. I then changed my vehicle again to a Nissan Navara (don't laugh). Anyway..I have just sold the Navara and finally thought ok time to go get my skyline like I have always dreamed of. So last night I brought a cheap renault clio (don't laugh again) to get me to work and back and tied me over until my skyline arrives in 2 months time.

Ok now for the best bit...I rang adrian flux to get a new quote for my skyline when I get it and another for my clio....I was told that I have now lost my 3years NCD. Why I hear you ask...well aparently because the Navara is classed as a comercial vehicle you can transfer a car NCD to comercial no probs BUT!!! you cannot transfer them back so I will have to insure one without any NCD!

Hiya.
I work for Adrian Flux. Yeah unfortunately most of the insurers we deal with will accept private car NCB on a commercial policy but only a few will accept the commercial NCB onto a private car one. It can be equally frustrating for oursleves as it is to our customers.

matt j · 17th January 2007, 12:10 PM

When I was with A-plan, they matched the main NCD to a second policy for a second car. In other words my second car policy was 'given' the amount of NCD as my first policy even though as a second policy it was starting at zero NCD. Made a huge difference in the prices quoted from anywhere else.

Individualist · 17th January 2007, 05:39 PM

In all this people have to remember that insurance companies have the right in their eyes not to pay out for mods., even if declared, if the policy is not a 'like for like' policy & 'like for like' policies are decidely more expensive than 'declared mods. fully comp. policies'. Therefore, unless the car is a write off & can be proven to be 'special' ie above Glass' guide, you're unlikely to get a decent figure from them. The moral of this story is insurance companies win all ends up.

If you have an accident & the car's a write off, your policy will become null & void if the accident inspector realises you have undeclared mods. If some mods. are destroyed & the car's not a write off, you're likely to get standard parts, though they can be just as expensive as the mods. as mentioned.

If you don't declare what can't be seen by inspection, you might as well pay for them yourself if they go pop. It's only when you have a write off that non-declaration becomes a dangerous game......perhaps there's a market for 'camo-mods'

The best position, if you're able to live with yourself telling porkies, is declare sensible obvious mods. and leave the rest, as the're hardly likely to pay you for new internals & wouldn't know anyway....what accident inspector starts stripping down an engine

....also, this has the knock on effect of not declaring outrageous power figures....what's the point??

bladerider · 18th January 2007, 01:15 AM

Quote:

Originally Posted by Merbals

Ok guys listen to my experience today on this very subject.

I have owned a Modified Impreza that I then changed to a VX220 T. On both these cars I ended with 3 years no claims. I then changed my vehicle again to a Nissan Navara (don't laugh). Anyway..I have just sold the Navara and finally thought ok time to go get my skyline like I have always dreamed of. So last night I brought a cheap renault clio (don't laugh again) to get me to work and back and tied me over until my skyline arrives in 2 months time.

Ok now for the best bit...I rang adrian flux to get a new quote for my skyline when I get it and another for my clio....I was told that I have now lost my 3years NCD. Why I hear you ask...well aparently because the Navara is classed as a comercial vehicle you can transfer a car NCD to comercial no probs BUT!!! you cannot transfer them back so I will have to insure one without any NCD!

I am a little upset now as my dream car is out of reach because to insure both vehicles will cost me £2400.00 as I don't want use the skyline every day. £450 for the clio ( cost me £250 to buy) and £1950 for the skyline.

Thats with 5k limited mile as well!!!

So I am a little up s**t creek without a paddle!

But can some one answer how if I get points in one car they are carried across....How if I have an accident its carried across??? Basically anything to penalise you is carried across but anything for you is not!

Robbing b******ds thats all I can say worse than the IRS!!!

Ha haaa !!!

What a load of bollox.

I have seven vehicles insured currently and they all have full ncd yet I havent been driving for 49 years !!!

Just ring A-Plan and get them all mirror bonused. Flux used to do this too as they let me do it on my BMW and Land Rover when they insured those for me a couple of years ago.

In fact my commercial bonus which was mirrored anyway from my van that went on my Allroad has ended up on my GT3 so it certainly can go forwards and backwards with the right company.

J.

Mookistar · 24th March 2007, 11:09 AM

None of their business! 53 17.73%

very worrying

Justin · 24th March 2007, 06:37 PM

Question:

Insurance companies 'share' info on all sorts of levels to my knowledge (though I'd be happy to get shot down if someone KNOWS better) - the top underwriters underwrite many companies so this stands to reason...

Whats to stop them sharing info on cars???

The guy that I've just bought my GTR off has insured his through 'A company' and has his car insured at £25k and the mods insured at £10k so if I then go to tesco and get a policy for £900 (quoted with Induction and Exhaust)

and here is the question:

Whats to stop them getting the info from 'A company' (that he was insured with) who know that the car has £10's of thousands worth of engine mods and nullifying the insurance if the worst happens???

My answer - nothing - so I'm hoping that they'll (A company) just insure the same car with a different owner at a different address for a similar amount - £800 odd...

They're not open until Monday but I'll let you know.

Anyone know if I'm just being big-brothernoid???

J

dave100 · 22nd June 2007, 10:20 PM

I have a trade policy where it doesn't matter what mods iv got

Marteinn · 23rd June 2007, 04:40 PM

641,56 pounds a year for my Skyline

craiggyb · 28th June 2007, 02:53 PM

Quote:

Originally Posted by Fuggles

Be careful what you say/ask for if you have some "serious mods". Because my car is a 2.8 litre a lot of companies wouldn't touch it. Tett Hamilton couldn't even find anyone to take it on - at any price!

Sorted now though

Which insurance company sorted it for you Fuggles?

Thrust · 23rd February 2008, 08:29 PM

Upper limit anyway.

There is a school of thought that says even if you do tell them everything they generally refuse to pay out anything above 15,000. They will replace with standard parts only, I have been told. We spend so much time feeling guilty but the insurance companies are thinking of themselves first.

kenan · 23rd February 2008, 08:41 PM

I'v always had an "Agreed Value" policy were you both agree a value to be paid out if a total loss and part for part on anything if the car is repaired.

Feck knows what will happen when I'm in that position but sounds good on paper

SJTM_GT-R · 3rd April 2008, 04:08 PM

Quote:

Originally Posted by R2CH

The brokers are Psicos (interesting name) 0870 066 0096 or www.psicos.com

Cost for me is £1500 giving me access to anything between £0-£25000 fully comp and anything £25001-£50000 Third party fire and theft including Jap imports.

I know some of you can insure for less than that but i have 5 cars between me and the wife so this works out so much cheaper!

Is your car an Import? I live just noth of you and they said they will not insure mine as it is an import.

SJTM_GT-R · 3rd April 2008, 05:19 PM

Also through looking i have found these guys, seem to offer a good price to the trade but when you speak to them and tell them its "more private based" they nearly double it.

Motor trade insurance for motor traders in UK

This also makes for an interesting read when considering a trade policy for personal use.

Unacceptable motor traders

View Poll Results: How many of the modifications to your car have you divulged to your insurers.
No mods, standard car.	72	17.91%
Full details of mods divulged.	157	39.05%
Part of the story.	106	26.37%
None of their business!	67	16.67%
Voters: 402. You may not vote on this poll

9th August 2006, 03:24 PM	#62 (permalink)
Merbals New Users Join Date: Aug 2006 Posts: 4	How about this then!!! Ok guys listen to my experience today on this very subject. I have owned a Modified Impreza that I then changed to a VX220 T. On both these cars I ended with 3 years no claims. I then changed my vehicle again to a Nissan Navara (don't laugh). Anyway..I have just sold the Navara and finally thought ok time to go get my skyline like I have always dreamed of. So last night I brought a cheap renault clio (don't laugh again) to get me to work and back and tied me over until my skyline arrives in 2 months time. Ok now for the best bit...I rang adrian flux to get a new quote for my skyline when I get it and another for my clio....I was told that I have now lost my 3years NCD. Why I hear you ask...well aparently because the Navara is classed as a comercial vehicle you can transfer a car NCD to comercial no probs BUT!!! you cannot transfer them back so I will have to insure one without any NCD! I am a little upset now as my dream car is out of reach because to insure both vehicles will cost me £2400.00 as I don't want use the skyline every day. £450 for the clio ( cost me £250 to buy) and £1950 for the skyline. Thats with 5k limited mile as well!!! So I am a little up st creek without a paddle! But can some one answer how if I get points in one car they are carried across....How if I have an accident its carried across??? Basically anything to penalise you is carried across but anything for you is not! Robbing b****ds thats all I can say worse than the IRS!!!

17th January 2007, 12:10 PM	#64 (permalink)
matt j Proud Daddy! Join Date: Oct 2001 Location: Lancaster Posts: 1,951	When I was with A-plan, they matched the main NCD to a second policy for a second car. In other words my second car policy was 'given' the amount of NCD as my first policy even though as a second policy it was starting at zero NCD. Made a huge difference in the prices quoted from anywhere else. __________________ Procrastination is like Masturbation; It might seem like a good idea at the time but in the end you're really only F*cking yourself!

17th January 2007, 05:39 PM	#65 (permalink)
Individualist GTR Register Member Join Date: Jul 2006 Location: Elitest sheepfold ;) Posts: 233	In all this people have to remember that insurance companies have the right in their eyes not to pay out for mods., even if declared, if the policy is not a 'like for like' policy & 'like for like' policies are decidely more expensive than 'declared mods. fully comp. policies'. Therefore, unless the car is a write off & can be proven to be 'special' ie above Glass' guide, you're unlikely to get a decent figure from them. The moral of this story is insurance companies win all ends up. If you have an accident & the car's a write off, your policy will become null & void if the accident inspector realises you have undeclared mods. If some mods. are destroyed & the car's not a write off, you're likely to get standard parts, though they can be just as expensive as the mods. as mentioned. If you don't declare what can't be seen by inspection, you might as well pay for them yourself if they go pop. It's only when you have a write off that non-declaration becomes a dangerous game......perhaps there's a market for 'camo-mods' The best position, if you're able to live with yourself telling porkies, is declare sensible obvious mods. and leave the rest, as the're hardly likely to pay you for new internals & wouldn't know anyway....what accident inspector starts stripping down an engine....also, this has the knock on effect of not declaring outrageous power figures....what's the point?? __________________ Garage Saurus R32 GTR NewEra - GBH - Abbey - BBS Last edited by Individualist; 17th January 2007 at 05:45 PM.

24th March 2007, 11:09 AM	#67 (permalink)
Mookistar Admin - GTROC D.T.C Join Date: Feb 2004 Location: Living life 8min 50 secs at a time Posts: 9,591	None of their business! 53 17.73% very worrying __________________ FOR ALL GTR FORUM RELATED ISSUES CONTACT THE ADMIN TEAM 'MOOKISTAR' OR 'MOLEMAN' SKYLINE FAQ'S!

27th July 2006, 02:41 PM	#61 (permalink)
Jade GTR Register Member Join Date: Jul 2006 Posts: 23	Mines came into the country as standard, but its defo not standard. It has 850cc injectors, dump valves, after market exhaust, intercooler, twin induction, turbo timer, turbo booster controller, and whatever else ive not seen lol I declared its came into the country as standard but ive noticed a few things on it like the above, and found insurance for 729 FC, but waiting for 2 other companys to get back to me, they think they can beat that.

24th March 2007, 06:37 PM	#68 (permalink)
Justin GTROC Member Join Date: Aug 2006 Posts: 176	Question: Insurance companies 'share' info on all sorts of levels to my knowledge (though I'd be happy to get shot down if someone KNOWS better) - the top underwriters underwrite many companies so this stands to reason... Whats to stop them sharing info on cars??? The guy that I've just bought my GTR off has insured his through 'A company' and has his car insured at £25k and the mods insured at £10k so if I then go to tesco and get a policy for £900 (quoted with Induction and Exhaust) and here is the question: Whats to stop them getting the info from 'A company' (that he was insured with) who know that the car has £10's of thousands worth of engine mods and nullifying the insurance if the worst happens??? My answer - nothing - so I'm hoping that they'll (A company) just insure the same car with a different owner at a different address for a similar amount - £800 odd... They're not open until Monday but I'll let you know. Anyone know if I'm just being big-brothernoid??? J

22nd June 2007, 10:20 PM	#69 (permalink)
dave100 GTR Register Member Join Date: Oct 2006 Location: Belfast Posts: 275	I have a trade policy where it doesn't matter what mods iv got

23rd June 2007, 04:40 PM	#70 (permalink)
Marteinn GTR Register Member Join Date: Jun 2007 Location: Iceland Posts: 13	641,56 pounds a year for my Skyline __________________ R33 GTS-T Type M '94

23rd February 2008, 08:29 PM	#72 (permalink)
Thrust GTROC Member Join Date: Jun 2004 Location: Japan Posts: 2,965	Upper limit anyway. There is a school of thought that says even if you do tell them everything they generally refuse to pay out anything above 15,000. They will replace with standard parts only, I have been told. We spend so much time feeling guilty but the insurance companies are thinking of themselves first. __________________ All play and no work makes Jack a right berk. Spider Godwin Action Group for the Ban against Skirts to be Lifted

23rd February 2008, 08:41 PM	#73 (permalink)
kenan GTROC Member Join Date: Apr 2003 Location: Exeter, Devon Posts: 1,898	I'v always had an "Agreed Value" policy were you both agree a value to be paid out if a total loss and part for part on anything if the car is repaired. Feck knows what will happen when I'm in that position but sounds good on paper

3rd April 2008, 05:19 PM	#75 (permalink)
SJTM_GT-R New Users Join Date: Mar 2008 Location: Kent Posts: 3	Also through looking i have found these guys, seem to offer a good price to the trade but when you speak to them and tell them its "more private based" they nearly double it. Motor trade insurance for motor traders in UK This also makes for an interesting read when considering a trade policy for personal use. Unacceptable motor traders

Thread Tools
Show Printable Version Email this Page
Display Modes	Rate This Thread
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode	Rate This Thread: