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S40 / V40 '96-'04 General Forum for the Volvo S40 and V40 (Classic) Series from 1995-2004. |
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Insurance - a heartfelt warning!Views : 4232 Replies : 51Users Viewing This Thread : |
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Apr 13th, 2015, 18:23 | #21 |
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I think he meant speed rating.
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'08 V50 2.0D |
Apr 13th, 2015, 18:25 | #22 | |
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A family friend who has always worked in insurance has helped me to appeal this via Admiral and the ombudsman, but to no avail Is there more to this than stated? |
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Apr 13th, 2015, 18:28 | #23 | |
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I may be incorrect on this one but I'm pretty confident that it is the case.
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02 V40 T4 S, "Sargent silver" she's back!
Last edited by clarkey1984; Apr 13th, 2015 at 18:30. |
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Apr 13th, 2015, 18:29 | #24 | |
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"any change to the car away from the manufacturer's standard specification (including optional extra's), such as changes to the bodywork, such as spoilers or body kits, changes to suspension or brakes, cosmetic changes such as alloy wheels, changes affecting performance such as changes to the engine management system or exhaust system" They go on to state: "Please be aware that this is not a full list of all possible changes. All changes made from the manufacturer's standard specification must be disclosed" If they even require factory fitted optional extras to be disclosed surely they'd want to know about a retro fitted stereo - for a start, on cars the age of ours a decent stereo could double the value of the car!
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'02 (51) silver Volvo S40 1.9D - RIP (Turbo) '02 (52) blue Volvo V40 1.8 - RIP (Head Gasket) '04 (54) blue Volvo S40 1.9D Sport - RIP (RTA) '18 (68) silver Volvo V40 T3 R Design Last edited by ilikewatch; Apr 13th, 2015 at 18:32. |
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Apr 13th, 2015, 18:42 | #25 |
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Insurance - a heartfelt warning.
With regard to standard specifications ( standard per model variant, between say basic spec. and top of the range) what situation does the owner find themselves in for run out models where all sort of up spec. ing takes place to intice buyer to buy the new just-out-of-date mode? Invariably these are fitted with fancy alloy wheels at least. Would your car have been such a model?
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Apr 13th, 2015, 18:57 | #26 |
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Regarding standard specification and optional extras being classed as modifications, if I am reading it correctly, then fitting roof rails or an eggy grille could be classed as a mod and invalidate your insurance?
Surely if the ins company go to the manufacturers they would not have this specific info, or the parts may have been fitted by a previous owner.
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2002 V40 2.0T |
Apr 13th, 2015, 20:05 | #27 | |
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The grill is a non factor in most cases as it's cosmetic, but I would be careful about bumpers or anything that might injure a pedestrian, as that would be classed as safety related equipment. Seat covers can also be dodgy if they are not SIPS approved AND it needs to be the correct EU approval (I have a real nice furry one for the driver of my Twingo, the Fleabay site says it's approved, BUT it's not as the approval is not the correct one). More of an issue if a passenger is injured, assuming you are the driver. The golden rule is, if there is any doubt about a mod or extra fitting, declare it to the insurance folks AND make sure they list the exact item in their reply. Trying to take legal action against an insurance company is near impossible and nearly as difficult as trying to prove an old engine failed because of a bad batch of engine oil. Their legal team will be real good and the only hope would be a class action claim if lots of owners are getting rejected claims. Starting a web site like, www "IhateAdmiral" dot net is more likely to produce results, BUT don't do that if you are not prepared to face the legal consequences of an incorrect page or blog entry. PS: Always read the fine print of an insurance policy, as it appears that any exhaust mods need to be declared.
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2003 V40 1.9TD Mods: Scratches, bent bumpers, raised REAR mats & internal mud guards. SHELL ULTRA 5/40 & LIQUI MOLY CERATEC. Everyone should DYOR (Do Your Own Research) Last edited by skyship007; Apr 13th, 2015 at 20:25. |
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Apr 13th, 2015, 20:09 | #28 |
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I would speak to a solicitor about this. Do you have any legal advice cover through e.g. a union, professional/trade organisation etc.? Failing that, I'd fork out for an initial consultation with a good solicitor (not a "no win, no fee" one). You may be out of luck, but I'd want independent, qualified advice if it were me.
Where does one draw the line? Is non-manufacturer's oil, bulbs, washer fluid, wiper blades etc. classed as "modification". Tim. |
Apr 13th, 2015, 20:19 | #29 | |
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Answer was immediate: No, and no.
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'98 Saab 9-3 2.3i Conv owner. Former keeper of 1996 Saab 900iS 2.0 conv, 2001 V40 2.0i, 1999 Mondeo TD, 1995 Mondeo TD, 1990 Passat GT16v, 1983 Passat 1.8CL |
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Apr 13th, 2015, 20:23 | #30 | |
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'02 (51) silver Volvo S40 1.9D - RIP (Turbo) '02 (52) blue Volvo V40 1.8 - RIP (Head Gasket) '04 (54) blue Volvo S40 1.9D Sport - RIP (RTA) '18 (68) silver Volvo V40 T3 R Design Last edited by ilikewatch; Apr 13th, 2015 at 20:26. |
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