Insurance Companies Confused

[ibby]

When I took my policy out with admril,

they asked me if

1 - my car was a lexus is200 SE

or

2 - is200 SE with Supercharger.

anyway, so at the time I didnt have a charger, and thought, id give the insurance a call to find out insurance groups.

so - I spoke to them

is200 is group 13 with them

but the same car is with a charger is group 13

but they wont insure my car becuase its not installed from the factory ?

Explain that they were add ons. they said no can do..

whos got a charger and who are you insured with ?

[Steviewevie]

I don't have a charger, but I'm with Sky Insurance (a trader on these forums) and they're great about mods. They also insure them like-for-like (a lot of companies might insure you with mods, but not for the cost of replacing the mod !).

[Rob's Lexx]

try adrian flux, a-plan, sky or greenlight

flux were easily the cheapest out of the above for me (excluyding greenlight as didnt know about them at the time)

[Rory]

SE is group 12 as standard isn't it?

i'm confused dot com

(sorry)

[VVProtocolVV]

Not sure what group lexus is200 is in but im with Adrian Flux, they were £100's cheaper than directline (had no mods when i was with them) and i had been with directline for 2 yrs.

[ibby]

SE is group 12 as standard isn't it?

i'm confused dot com

(sorry)

some say group 12 others say 13.

[sparkystav]

S and Se a 12, and sport a 13 i believe.

[Rory]

Not sure what group lexus is200 is in but im with Adrian Flux, they were £100's cheaper than directline (had no mods when i was with them) and i had been with directline for 2 yrs.

same with me, they undercut all the competitors for my quote by over £200!

S and Se a 12, and sport a 13 i believe.

thats what i thought

[Rob]

small flaw in thier reasoning about it being factory fit - it wasnt available direct, and mats car was the only one that was warranted by lex gb as it was fitted by tte in cologne.

[ibby]

SE is group 12 as standard isn't it?

i'm confused dot com

(sorry)

some say group 12 others say 13.

well admrial has it as a group 13

SE

[Parthiban]

well admrial has it as a group 13

SE

That's odd, as well as the fact that they're still the cheapest insurer for me by a mile! They do insure superchargers though (I asked a while back), the normal rule applies that it wouldn't be replaced if damaged in an accident, but they will cover the car if supercharged.

[Yeldarb]

SKY for me, beat A-Flux by over £200, all mods declared.

[Steviewevie]

Bear in mind that Sky *do* cover mods like-for-like. i.e. if your supercharger was damaged/destroyed in an accident, then they'd pay for a new one ! (assuming the car wasn't written off).

With most insurance companies, if your mod is damaged, then even if it's covered by the insurance company, they *won't* pay for a replacement !

[Rob's Lexx]

Bear in mind that Sky *do* cover mods like-for-like. i.e. if your supercharger was damaged/destroyed in an accident, then they'd pay for a new one ! (assuming the car wasn't written off).

With most insurance companies, if your mod is damaged, then even if it's covered by the insurance company, they *won't* pay for a replacement !

so do adrian flux ;) :D

[James S]

Try Express insurance, my IS200 is my first car, and am 25, but managed to get a great deal, about 800quid cheaper then adrian flux.

Not sure if it was just good luck though. :)

[ibby]

well admrial has it as a group 13

SE

That's odd, as well as the fact that they're still the cheapest insurer for me by a mile! They do insure superchargers though (I asked a while back), the normal rule applies that it wouldn't be replaced if damaged in an accident, but they will cover the car if supercharged.

well..

they are still cheaper for me by miles.

but .... they said "if it comes with it installed @ the factory we can insure it, if its added on extra later on, its a modfication, and we cant insure it" :shutit:

Bizzar

Phone them up and ask them.. if you could! maybe you can make more sense out of them

[Steviewevie]

but .... they said "if it comes with it installed @ the factory we can insure it, if its added on extra later on, its a modfication, and we cant insure it" :shutit:

Bizzar

Phone them up and ask them.. if you could! maybe you can make more sense out of them

That's not unusual for insurance companies though, i.e. a lot won't cover modified cars. They've obviously a bit confused about factory-fitted chargers though.