X-Power Exhausts

[SCP440]

The problem is we all try and save money and with insurance you don't actually see what you have bought unless you need it, who actually reads the small print?

I have a Transit van I use for work that is kitted for my work out so hiring a van does not work well. Last year I had a bump and it needed some repairs. My broker knows the situation and within less than 4 hours they had given authority for the work to be carried out. 6 days later and just over £5k later I was back in my van and 3 days of that was waiting for parts from Ford .The hire van I had to use was costing me £60 a day. Yes I am sure I could get my van insurance a few quid cheaper but the fact I had my van back so quickly makes me realise its not worth trying to save.


Steve

[Zt pony]

The problem is we all try and save money and with insurance you don't actually see what you have bought unless you need it, who actually reads the small print?

I have a Transit van I use for work that is kitted for my work out so hiring a van does not work well. Last year I had a bump and it needed some repairs. My broker knows the situation and within less than 4 hours they had given authority for the work to be carried out. 6 days later and just over £5k later I was back in my van and 3 days of that was waiting for parts from Ford .The hire van I had to use was costing me £60 a day. Yes I am sure I could get my van insurance a few quid cheaper but the fact I had my van back so quickly makes me realise its not worth trying to save.


Steve

I think you’ve hit the nail on the head..re: Motor Insurance. ...it’s definitely NOT worth trying to just get the cheapest quote offered. It’s like most things in life..if it’s cheap..there’s inevitably a catch ..or a reason why..and you don’t realise this ..until the crap hits the fan...eg with Insurance..when you make a Claim on the Policy .

Again..re “ the small print “.. very often it’s not just a case of ..not bothering to read it...nowadays..the ..small print ..is often hidden / or emitted. The prime example of this is in the Insurance Comparison Sights ..when you actually click on the..proceed button...very often the Insurance Companies main sight ..either offers ..different small print..extra small print..compared to the Comparison Company’s..policy resume.

Whats the point of saving a few quid ..when you stand to lose ..many Thousands of Pounds ..if you've made a bad choice..Insurance Company wise .

I use NFU. No , they aren’t the cheapest . BUT..the service is absolutely first Class. .in every possible way . No waiting for hours on the telephone, polite efficient staff, clear and concise policy details , and ..fair and reliable Claims Service..in the event of a prang or write off situation.

i had a Claim about 8 years ago..a write off . They sent me a write off Figure ..I was not pleased with. BUT..upon their suggestion..I went to their local offices..with a bundle of information. It tool 45 minutes for the Girl in the office to FAX over to NFU HQ . Bill of sale..every receipt for everything ever spent..detailed photos..articles about the car ..showing prices..rarity..etc. AND..the next day ..they actually DOUBLED their offer .

I think the trick ..to guarantee ..a decent/ fair/ correct ..Insurance Claim payout ..is SERVICE HISTORY..by reputable / expert Marque / Model ...Garages . Especially..if they will back any value claims up etc.

The problem with self maintenance on a Car / Motorbike..where Claims ( Write Off ) ..IS..PROOF .proof the maintenance has been done ..and proof it’s been done correctly..by someone who knows what they are doing ...has acknowledged acceptance of being an “ amateur expert “ ..in the classic car spheres ..collectors car world..etc.Is known for doing CFS up..showing them..etc.

A pile of RECEIPTS for Parts..in a folder ..doesn’t necessarily work..when pursuing a Claim. It doesn’t mean they’ve been fitted ..or they have been fitted correctly. As stated by Insurance Companies by the way.

However, in the case of yourself ..STEVE..an expert on / works with Jensen’s I believe..highly desirable “posher Cars “ .....work done on 260’s ..would be deemed done by a man involved in the..Quality Classic Cars ...and would be regarded as 100% “ Kosher “

BUT..general normal person.... not in the trade/ no standing in the Classic / Collectors / Specialist shares ...falls under the
“ owner tinkering “ .sort of Maintenance....and .isn’t regarded highly by Insurance Companies..in the event of validation of Values offers for a Car Etc..in a Claim situation.

On the... Pete Best..Guaranteed self certified..Agreed Valuations....I am dubious as to their actual validity. Has anyone in the Club..EVER..received a ..pay out for the full ...agreed Value ..from Pete Best & Co ...
Of course..the Companies ..Pete Best..in an name only now ..as it’s been taken over ...and I believe no Bests..are involved in any way now. The Company’s who’s bought PB...has not definitely not got blemish free reviews ...it’s interesting to note.

An an example of the NFU’s good points ...I informed them of a change of Alloys / Tyres ..on the Toyota Aristo Twin Turbo ( previously mentioned in my Write Off Claim ) . Big buggers the wheels were..with wide low profile Tires on. BUT..I sent details of ..WHY..I needed to change them . 16” OEM alloys Japanese ..it was an Import..Couldn’t get the standard Tyre size now ..ones available not correct speed rating etc..155mph Twin Turbo car etc .
Anyway..goos news ...they okay.you can fit them. Bad News...an extra £75 to pay per annum ..on policy . GOOD NEWS.....we have increased the estimated Value of your Car ..by £750 ... re new Wheels .....( Wheels extra Value..not Tyres ..)
Also....my Policy Premiums ....GO DOWN ...every year ...NOT UP . And that’s nothing to do with NCB etc..as I’ve got a max 8 yrs anyway .
Another bonus...full RAC ..Breakdown ..inc at home ..and Relay back to home or a garage of your choice ...for £35 a year addition to Premium . That’s probably.got to be worth ....£100 ( new customers RAC ) to £160 + ..continued membership,)
So...that’s effectively..£100:to £160 or so...OFF the Premium . ..

Anyway...definitely..tell your Insurance Company about ..ANY ..changes to the Cars original specs. Or risk ending up in the sh*t one day...Claim time.

Changes to Wheels..including, maybe , even APEX Wheels....if not actually fitted as standard on your 260 ...definitely Tyres Sizes ...( 235/40 18 as example..and be careful re this size...as they shouldn’t be put on a 7.5 wide wheel..according to Tyre Manufactures Data..40% aspect ratio etc ...VHS Suspension Kit...Spoilers / Body Kit...De Cat’s / by passed Cats on Exhausts ( invalidates MOT..wouldn’t pass with the de Cat ..more than likely ...an Exhaust System ..”.very much “ modified
Bigger bore pipes..cross ( al la Mustang ) pipes..completely different shaped Silencers ( none Zero shape / appearance..as they are the nearest to oem appearance ..I believe . .change of body colour ( YES..I was nearly. caught out on that one myself years ago..A green Fiat..changed to Ferrari Red ..thank God I kept copies of the permission/ acceptance from the Insurance Company. ..the buggers had increases by Premium a lot too..had bid arches on too. .....also ..STRIPES ..Tinted Windows ..Etc...all potentially..problematic...if you don’t inform the Insurance Companies .

Anyway..that’s it for Insurance now...I’ve bored myself to death now.....probably anyone reading this ...has fallen asleep too .