Strut brace and insurance - Alfa Romeo Forum
You are currently unregistered, register for more features.    
 
  Home Forums AO Club Member Gallery Classifieds Trade Directory  

Go Back   Alfa Romeo Forum > Commercial Lounges > Insurance Section > Adrian Flux Insurance

Adrian Flux Insurance Looking for advice on insuring your Alfa Romeo?
Click here for an online quotation

Reply
 
LinkBack Thread Tools
  #1 (Post Link)  
Old 17-07-07
Monty's Avatar
Status: -
AO Silver Member
 
Join Date: Jun 2006
Location: United Kingdom
County: Cambridgeshire
Posts: 2,917
Images: 3

Member car:

911c4 ex 350z, GTVv6, 156

Strut brace and insurance

I'm getting a strut brace for my GTV soon. Does this count as a modification which I would need to notify my insurer about?

If it does, does anyone know how they assess this? Personally I would not expect it to affect my premium as:

a) it does not materially affect the price of the car and therefore the insured value
b) it would not make the car any more likely to be involved in an accident (arguably the opposite as it would improve the handling).

Thanks
Reply With Quote
Sponsored Links
Advertisement
 
  #2 (Post Link)  
Old 18-07-07
Status: -
Identity Confirmed
Authorised Trader
 
Join Date: Jan 2007
Location: United Kingdom
County: Norfolk
Posts: 348

Member car:

Alfa

Re: Strut brace and insurance

Originally Posted by Monty View Post
I'm getting a strut brace for my GTV soon. Does this count as a modification which I would need to notify my insurer about?

If it does, does anyone know how they assess this? Personally I would not expect it to affect my premium as:

a) it does not materially affect the price of the car and therefore the insured value
b) it would not make the car any more likely to be involved in an accident (arguably the opposite as it would improve the handling).

Thanks
Hello,
Yes you should disclose this as a modifications. Also most of the schemes wouldn't increase the price of your policy just because of this being added.
hope this has helped,
Dan.
Reply With Quote
  #3 (Post Link)  
Old 18-07-07
Trailbraker's Avatar
Status: -
AO Silver Member
 
Join Date: Mar 2005
Location: Ireland
County: -
Posts: 5,179

Member car:

156 GTA

Re: Strut brace and insurance

Yup definitely disclose. It entailed no additonal charge for me along with rear ARB upgrade , but my car was already modified with an associated premium increase.

TB
Reply With Quote
  #4 (Post Link)  
Old 18-07-07
Monty's Avatar
Status: -
AO Silver Member
 
Join Date: Jun 2006
Location: United Kingdom
County: Cambridgeshire
Posts: 2,917
Images: 3

Member car:

911c4 ex 350z, GTVv6, 156

Re: Strut brace and insurance

Thanks guys
Reply With Quote
  #5 (Post Link)  
Old 19-07-07
PaulR's Avatar
Status: Fun and practicality-V6+MiTo
Global Mod Team
 
Join Date: Mar 2005
Location: United Kingdom
County: Suffolk
Posts: 19,726

Member car:

V6 Spider and MiTo

Re: Strut brace and insurance

What it does tell them is that you probably drive "enthusiastically".
Always disclose.

Paul.
Reply With Quote
  #6 (Post Link)  
Old 19-07-07
Gary Slegg's Avatar
Status: -
AO Platinum Member
 
Join Date: Feb 2006
Location: North Wales
Posts: 16,708

Member car:

Alfa 33, GTV 2.0, MG 1500

Re: Strut brace and insurance

Yes, its better to disclose and be covered than not disclosed and not be covered
Reply With Quote
  #7 (Post Link)  
Old 19-07-07
joegals's Avatar
Status: -
AO Member
 
Join Date: Jun 2006
Location: Basingstoke
Posts: 197
Images: 10

Member car:

Alfa GT V6

Re: Strut brace and insurance

Fully agree - honesty is the best policy, particularly when not to disclose could cost you your car or worse.

Interesting story though - I'd disclosed all my mods to my insurer, initially back in September last year, then again a month ago when the renewal came through and only the exhaust was listed. The day on which I received their confirmation letter in response to mine, I had a prang on the way home from work

Yesterday, I had a call from Direct Line claims department telling me that their enginner had pointed out I had a non-standard front bumper, and did I know, because I hadn't told them and it would affect my claim. Yes I did know, I said, and so did they and after a bit of digging they found my letter and said everything was ok. Phew!

Funny thing was though, the only mod the engineer caught (out of the Novitec front-end, Autodelta coilovers, drilled front discs, Angel re-map) was the bumper. Despite my advice above, half of me wished I hadn't mentioned the others because the combined effect has been to raise my premium by some £30 per month........


________________________________
Any idea how I add a signature?
Reply With Quote
  #8 (Post Link)  
Old 19-07-07
Gary Slegg's Avatar
Status: -
AO Platinum Member
 
Join Date: Feb 2006
Location: North Wales
Posts: 16,708

Member car:

Alfa 33, GTV 2.0, MG 1500

Re: Strut brace and insurance

£30 a month seems a bit steep
Reply With Quote
  #9 (Post Link)  
Old 19-07-07
joegals's Avatar
Status: -
AO Member
 
Join Date: Jun 2006
Location: Basingstoke
Posts: 197
Images: 10

Member car:

Alfa GT V6

Re: Strut brace and insurance

It's a long story - I have a bit of a stain on my driving record (big mistake back in 2000, of which I'm not proud) so I've been paying anything from £2000/year (2002, Spider V6) to my current £1200 on the GT. I've learned my lesson.

In that context, the extra premium is more understandable - and the main factor affecting it is the exhaust and re-map (the latter being classified as 'chip', which sets bells ringing at insurers), which are accountable for 'a 10% increase in power' in Direct Line speak.
Reply With Quote
Reply

Go Back   Alfa Romeo Forum > Commercial Lounges > Insurance Section > Adrian Flux Insurance

Tags
brace, insurance, strut

Thread Tools


Recently 'Read'
No History to show

Useful Links
Lost Password?
AO Merchandise
FAQs
Register

External Links
alfa romeo gtv...
Alfa Romeo 147, 5...
2013 Alfa Romeo...
Alfa Romeo 156...
2011 (11 Reg) Alfa...

Alfa Romeo

Recent Image

Project Halo Uk -...

View JabawokJayUK's images

Search

Forums

Classifieds
   

Gallery

Social Groups
   

Members
   


Did you know..?
Did you know..?
Within your User Control Panel, you can change the way AO works:
For example, to change the number of posts per page, go to Edit Options and scroll down to 'Thread Display Options'. In the section 'Number of Posts to Show Per Page' select a desired amount.


New To Site? Need Help?

All times are GMT. The time now is 22:22.


Powered by vBulletin®
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO ©2011, Crawlability, Inc.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87