Style over function
Join Date: Nov 2010
Location: United Kingdom
County: West Yorkshire
I ended up paying £480 with LV, which if I recall correctly was in the reigon of +£180 on the car unmodified best quote. For some reason, maybe postcode, Adrian Flux have never been anywhere near competitive for me.
As I said at the start of the thread, after the bad experience with Axa (when my car was stolen recovered from my drive by the perpatrators breaking into my house to get the keys when I was asleep in bed), if you did have an accident that was going to cost the insurance co a lot of money, I would expect they would pull out all of the stops so that they, the ins co, could reduce their liability by whatever means.
Don't forget, I was in bed minding my own business when this happened, but the ins co. wanted to see physically all of my documents, V5C, receipt of purchase, MOT, service history and a check with the DVLA for my and my wifes licence validity/ undisclosed convictions, followed up with the repairer photographing my car for modifications and then a half hour, yes, half hour telephone interview (presumably with a voice stress analyser?) before they agreed to go forward and repair the car......so that took nearly two weeks before the start of repair, and nearly a month before it was concluded. When I reported that my prescription sunglasses were also missing/ stolen, I was informed that unless they were stolen from "a locked glove compartment" or the boot, my claim was invalid, and yes, I checked the policy and it was there!! GGrrrrr The Alfa 159, like most modern cars does not have a locked glove compartment GGGrrrr.
The cost of the claim was new locks and keys, re-programming ecu for the keys and a hire car for about 2+ weeks (as I did not get one until the repair was sanctioned at week 3)
Having said all of this I realise that 95% + of people who don't declare the modifications will not have any comeback, but after my experience, I wanted to be able to sleep (ha ha) at night and so declared. I'm not happy about it, an extra £180 or so but that's why I did it.
The saying goes, your insured until you make a claim......too right.
Last edited by AlfaReggie52; 10-03-13 at 11:21.