Insurance for Polestar Optimisation

[Yorkshiremadmick]

Can anyone advise, who you use for your Volvo that’s had Polestar Optimisation Upgrade installed.
I’m told it’s tuning/chip modification.
As such my best quotes are nearly double what I was paying before the upgrade.
Some are wildly high.

[Clan]

Originally Posted by Yorkshiremadmick

Can anyone advise, who you use for your Volvo that’s had Polestar Optimisation Upgrade installed.
I’m told it’s tuning/chip modification.
As such my best quotes are nearly double what I was paying before the upgrade.
Some are wildly high.

No, its a volvo factory optimisation. Not a "tuning" or "chip" modification. let the insurance company research it themselves.. A lot of insurers don't charge anything extra and neither should they.

[Hadajag]

It's not a factory mod it is a dealer installed mod and every Insurance Co I approached regard it as such and quoted similar inflated premiums as is the OP'S experience. I thus did not proceed to have it installed at the first service even though there was a good dealer offer.

[Clan]

Originally Posted by Hadajag

It's not a factory mod it is a dealer installed mod and every Insurance Co I approached regard it as such and quoted similar inflated premiums as is the OP'S experience. I thus did not proceed to have it installed at the first service even though there was a good dealer offer.

well its only sold by an authorised dealer but it is factory developed tested and approved and securely delivered to the car so those words might help the insurance understand it.

[Tannaton]

Originally Posted by Hadajag

It's not a factory mod it is a dealer installed mod and every Insurance Co I approached regard it as such and quoted similar inflated premiums as is the OP'S experience. I thus did not proceed to have it installed at the first service even though there was a good dealer offer.

Yes it is factory option - there are a lot of "factory" options that are actually dealer fit before the car is released to the customer, usually because the exact parts and software differ between countries. Apple Car Play on some models, tow bars, and Polestar to name three.

Volvo are clear - it is "software optimisation". I had an XC70 once that had been P*'d and Aviva at the time charged only the admin fee to have it noted on the policy.

[Bagheera]

Originally Posted by Yorkshiremadmick

Can anyone advise, who you use for your Volvo that’s had Polestar Optimisation Upgrade installed.
I’m told it’s tuning/chip modification.
As such my best quotes are nearly double what I was paying before the upgrade.
Some are wildly high.

I just purchased an XC60 with Polestar.

Hastings our existing insurer wouldn't touch it.

Had to swich to admiral who weren't that much more. I put it down as a 0-10% performance chip/tune.

I just used go compare.

Hope that helps.

[Yorkshiremadmick]

Originally Posted by Bagheera

I just purchased an XC60 with Polestar.

Hastings our existing insurer wouldn't touch it.

Had to swich to admiral who weren't that much more. I put it down as a 0-10% performance chip/tune.

I just used go compare.

Hope that helps.

Yeah exactly this, I’m with Hastings and they don’t want to know, but Admiral have quoted 👍🏻

[MikeGMT]

Originally Posted by Yorkshiremadmick

Can anyone advise, who you use for your Volvo that’s had Polestar Optimisation Upgrade installed.
I’m told it’s tuning/chip modification.
As such my best quotes are nearly double what I was paying before the upgrade.
Some are wildly high.

*Unless I’m widely mistaken I think it would be difficult to compare a new quote (with the Optimisation added) against your existing policy due to the way insurance companies have hiked the prices across the board.

Probably the easiest route is with Volvo Insurance. This is the route I took when I had my car ‘done.’ At the time, my then insurer more or less told me to ‘sling my hook’ and withdrew cover. Volvo gave me a very favourable quote. As I understand it Volvo Insurance have now gone to a monthly subscription based policy. How this will work out I’m not sure, but will find out in a few months when my policy is due for renewal. One things for certain, I’m bracing myself for a large price increase.

* Assuming you have got new policy quotes.

[The Thong]

I had this too.
Ant modifications? Yes, I e had the Volvo Polestar optimisation done.
What’s that then? Well, it’s a Volvo upgrade of no more that 30bhp and improves the gear shifting:
Uh, can I put you on hold… Errrmmm they’ve never heard of it. They’ve given me a quote of £1500. Mate, that not even in the ballpark. Don’t bother
That was Adrian Flux. For a company that’s supposed to be specialist in modified and classic vehicles they certainly let themselves down with this one.
It’s the norm it seems.

TT

[Bagheera]

Originally Posted by Yorkshiremadmick

Yeah exactly this, I’m with Hastings and they don’t want to know, but Admiral have quoted 👍🏻

Ask them nicely and they won't charge you the cancellation fee as they can't provide cover on the new vehicle.

What are people actually paying? Ours is £612 fully comp, 6 year NCD with youngest driver being 26 years and a £675 excess. No previous claims or points.

I don't see how it can't be considered a performance/chip etc even if it is just 'software optimisation'. I would never risk not declaring it. Bottom line is when you input the reg (in our case) it comes back to 215bhp as standard. It's 230bhp with Polestar. Not worth the risk. Just my two pennies worth....