Considering selling car due to rediculous quotes

Message
Author
roi354
New member
Posts: 10
Joined: Sun Sep 18, 2011 9:06 am

Considering selling car due to rediculous quotes

#1 Post by roi354 » Sun Apr 08, 2012 10:11 am

Having converted my old Focus and only covering about 4000 miles since, I am now considering selling due to the unreasonable quotes received for having an LPG conversion fitted.

Best quote from Confused.com without declaring LPG - £380, with - £580.

Any suggestions?

mat_fenwick
Intermediate Member
Posts: 928
Joined: Mon Jun 21, 2010 10:19 am
Location: North Wales

Re: Considering selling car due to rediculous quotes

#2 Post by mat_fenwick » Sun Apr 08, 2012 10:47 am

Have you tried anywhere else for quotes?
Another member of the YCHJCYA2PDTHFH club

Gilbertd
Advanced Member
Posts: 7984
Joined: Wed Apr 09, 2008 10:00 am
Location: Peterborough

Re: Considering selling car due to rediculous quotes

#3 Post by Gilbertd » Sun Apr 08, 2012 12:57 pm

Unless it's an RS Focus or you are a high risk that seems stupidly expensive anyway. Some companies load for LPG (which they see as a modification), some give a discount. Shop around.
'96 Saab 900XS, AEB Leo, sold
'93 Range Rover 4.2 LSE, Lovato LovEco, sold
'98 Ex-Police Range Rover 4.0, Singlepoint AEB Leo, my daily motor
'97 Range Rover 4.0SE, eGas multipoint, a project.....

Proud to be a member of the YCHJCYA2PDTHFH club.

dodders
New member
Posts: 43
Joined: Thu Apr 21, 2011 10:48 am

Re: Considering selling car due to rediculous quotes

#4 Post by dodders » Sun Apr 08, 2012 3:50 pm

Have you tried these specialist insurance brokers for modified cars.
I'm getting quotes for around 400 on my LPG'd VW .:R32
http://www.skyinsurance.co.uk/
http://www.adrianflux.co.uk/
http://www.greenlightinsurance.co.uk/
https://www.hertsinsurance.com/

roi354
New member
Posts: 10
Joined: Sun Sep 18, 2011 9:06 am

Re: Considering selling car due to rediculous quotes

#5 Post by roi354 » Fri Apr 13, 2012 2:01 pm

To provide more details: the car is a 1998 1.8 Zetec, valued at £bugger all. I have 8 years NCB which I want to protect and I'm after fully comp so that I can have windscreen cover included.

Quotes from the 'specialists'
http://www.skyinsurance.co.uk/ - with/without LPG - £200xs £592
http://www.adrianflux.co.uk/ - without LPG - £640, with LPG - £’much more’
http://www.greenlightinsurance.co.uk/ - £'sorry it's not a performance car'
https://www.hertsinsurance.com/ - with/without LPG - £’quite a lot more’

Anyone want to buy a Focus with a Tinley Tech kit on it plus Flashlube with 4 branch and a 72 litre tank?

Gilbertd
Advanced Member
Posts: 7984
Joined: Wed Apr 09, 2008 10:00 am
Location: Peterborough

Re: Considering selling car due to rediculous quotes

#6 Post by Gilbertd » Fri Apr 13, 2012 2:34 pm

Have you tried any of the companies mentioned in this thread http://www.lpgforum.co.uk/viewtopic.php?f=34&t=6086 and it's also been mentioned that Aviva and Liverpool Victoria don't charge any extra (in fact one of them gave a discount!) for LPG.
'96 Saab 900XS, AEB Leo, sold
'93 Range Rover 4.2 LSE, Lovato LovEco, sold
'98 Ex-Police Range Rover 4.0, Singlepoint AEB Leo, my daily motor
'97 Range Rover 4.0SE, eGas multipoint, a project.....

Proud to be a member of the YCHJCYA2PDTHFH club.

57jam89
Member
Posts: 461
Joined: Sun Jun 21, 2009 5:14 pm

Re: Considering selling car due to rediculous quotes

#7 Post by 57jam89 » Mon May 07, 2012 10:36 am

I dont understand!

I had 8 lpg cars, only one had all the paperwork/lpg certificate, all the others did not. The insurance companys ask 'is it professedly fitted conversion' after i say theres no paperwork for the lpg and it costs me about £30 more!
Also i change insurance company every year to get the best price!
Nissan Skyline 350gt Lpg fitted by Lpgc.

dodders
New member
Posts: 43
Joined: Thu Apr 21, 2011 10:48 am

Re: Considering selling car due to rediculous quotes

#8 Post by dodders » Mon May 07, 2012 11:34 am

It is strange..I've just changed mine from renewal at £550 to £395 with one of the brokers i listed above and they never asked any questions about my LPG system at all and they will cover repair/replace the system in the case of an accident.

User avatar
john_d
Site Admin
Posts: 1555
Joined: Fri Oct 14, 2005 7:12 pm
Location: Cardenden, Fife

Re: Considering selling car due to rediculous quotes

#9 Post by john_d » Mon May 07, 2012 11:50 am

dodders wrote:It is strange..I've just changed mine from renewal at £550 to £395 with one of the brokers i listed above and they never asked any questions about my LPG system at all and they will cover repair/replace the system in the case of an accident.
so you told them it was lpg and they said they repair/replace the system in the case of an accident?
Subaru Impreza WRX

dodders
New member
Posts: 43
Joined: Thu Apr 21, 2011 10:48 am

Re: Considering selling car due to rediculous quotes

#10 Post by dodders » Mon May 07, 2012 5:09 pm

Yep, like for like on mods

Gilbertd
Advanced Member
Posts: 7984
Joined: Wed Apr 09, 2008 10:00 am
Location: Peterborough

Re: Considering selling car due to rediculous quotes

#11 Post by Gilbertd » Mon May 07, 2012 5:32 pm

There's been a lot of publicity in the motorcycle press about what is and isn't a modification that your insurance company needs to be told about. On one companies website there is a drop down box where you can list any mods and it was what was included in there that caused the stir. Most people assume that you would only need to notify your insurers if the mod increases the performance but that isn't the case. The list included things that you wouldn't normally consider as mods, such as heated grips, automatic chain oilers, braided brake hoses and even stickers! Now everyone considers that these are things added to make the bike more comfortable or safer and not increase performance so wouldn't expect to have to notify their insurers. The insurers argument is that some things will make a bike more attractive to thieves and so increase the risk, others will increase the replacement cost if it is written off or stolen. I checked with my bike insurers (as my bike has a number of things that I would never have considered they needed to know about) and was told that if they were not notified and there was a claim then they would pay out based on the value of a standard bike and not one with belly pan, heated grips, chain oiler, alloy exhaust can as mine has. It cost me an extra 70p a month to include those bits so if my bike does get stolen I get paid out at a value that includes these and not at the value of a totally standard bike.

Looks like dodders insurance company works in the same way. If you make a claim you expect to be in a position to replace like for like.
'96 Saab 900XS, AEB Leo, sold
'93 Range Rover 4.2 LSE, Lovato LovEco, sold
'98 Ex-Police Range Rover 4.0, Singlepoint AEB Leo, my daily motor
'97 Range Rover 4.0SE, eGas multipoint, a project.....

Proud to be a member of the YCHJCYA2PDTHFH club.

dodders
New member
Posts: 43
Joined: Thu Apr 21, 2011 10:48 am

Re: Considering selling car due to rediculous quotes

#12 Post by dodders » Mon May 07, 2012 9:48 pm

I even told my insurance company that i had removed my rear leather seats and swapped them for fabric seats.
(I didn't want the child car seat imprints on the leathers!) :)

herbertpug
New member
Posts: 23
Joined: Tue Feb 03, 2009 9:58 am

Re: Considering selling car due to rediculous quotes

#13 Post by herbertpug » Tue Jun 05, 2012 9:36 am

ok.
Last edited by herbertpug on Sat Jun 16, 2012 12:48 am, edited 1 time in total.

rossko
Installer
Posts: 8094
Joined: Wed May 23, 2007 6:51 pm
Location: Wiltshire

Re: Considering selling car due to rediculous quotes

#14 Post by rossko » Tue Jun 05, 2012 2:32 pm

herbertpug wrote:swiftcover do not even need to be told if the car has been converted
I'd be cautious about that
http://www.swiftcover.com/carinsurance/ ... onditions/
"Comply with the following conditions to have the full protection of your policy ...
...
18. not act in a fraudulent manner, including if you or anyone acting for you: ...
fail to correctly declare or update the information you have provided including:
... car fuel ... "
www.blazegas.com

herbertpug
New member
Posts: 23
Joined: Tue Feb 03, 2009 9:58 am

Re: Considering selling car due to rediculous quotes

#15 Post by herbertpug » Tue Jun 05, 2012 2:36 pm

ah.
Last edited by herbertpug on Sat Jun 16, 2012 12:49 am, edited 1 time in total.

herbertpug
New member
Posts: 23
Joined: Tue Feb 03, 2009 9:58 am

Re: Considering selling car due to rediculous quotes

#16 Post by herbertpug » Tue Jun 05, 2012 2:44 pm

yep.
Last edited by herbertpug on Sat Jun 16, 2012 12:48 am, edited 1 time in total.

rossko
Installer
Posts: 8094
Joined: Wed May 23, 2007 6:51 pm
Location: Wiltshire

Re: Considering selling car due to rediculous quotes

#17 Post by rossko » Tue Jun 05, 2012 9:18 pm

No skin off my nose, it's your insurance cover and if you've convinced yourself they don't need to know that's fine.
I was advising anyone to be cautious about it, after all if you do tell them and they still don't care there can be no dispute later.

I would point out that getting a quote is not the same as getting cover, and that having a certificate is not the same thing as having a professional conversion, and that you agreed to the formal terms & conditions (which do appear to conflict with the informal FAQ). I'm no lawyer.
www.blazegas.com

Gilbertd
Advanced Member
Posts: 7984
Joined: Wed Apr 09, 2008 10:00 am
Location: Peterborough

Re: Considering selling car due to rediculous quotes

#18 Post by Gilbertd » Tue Jun 05, 2012 11:26 pm

I wouldn't trust Swiftcover as far as I could throw them. A friend insured her car with them and was paying the premiums monthly. She got a bit too close to a truck going round a roundabout and put a deep gouge in the side of the car. Informed them and they told her to take it to their approved repairer who told her it would be a write off. The damage was just to the rear wing but as it was a Megane Coupe, this panel continues up and becomes the roof. For an insurance approved repair it would involve cutting out the whole rear wing section and grafting in a new rear 3/4 panel but for a private job it would be pull as much of the dent out as possible, fill it and spray it. As it was the first car she had ever owned, she wanted to keep it so Swiftcover told her she could keep the salvage and they would pay her the value less what they valued the salvage at. This would then give her the money to pay for a repair and a bit left over too.

Great you might think but not quite. After they had paid out, she got the car repaired and then then received a letter from Swiftcover. They had cancelled her policy as they now considered the car a write off and they will not cover repaired write offs. They also wanted the remainder of the premium paying and, as she was only something like 5 months into the premium she had to pay the remaining 7 months in one lump. So she paid for a years insurance but only got 5 months cover and then had to start again with a different company.
'96 Saab 900XS, AEB Leo, sold
'93 Range Rover 4.2 LSE, Lovato LovEco, sold
'98 Ex-Police Range Rover 4.0, Singlepoint AEB Leo, my daily motor
'97 Range Rover 4.0SE, eGas multipoint, a project.....

Proud to be a member of the YCHJCYA2PDTHFH club.

SimonHobson
Intermediate Member
Posts: 1129
Joined: Sat Aug 23, 2008 6:39 pm
Location: Cumbria
Contact:

Re: Considering selling car due to rediculous quotes

#19 Post by SimonHobson » Fri Jun 15, 2012 7:29 pm

herbertpug wrote:Swiftcover will insure a vehicle that has been modified for Liquid Petroleum Gas. We do not however collect this information when you get a quote.
Just because they didn't ask, doesn't mean you don't need to tell them. It is your responsibility to make sure your insurer knows about anything that could be material - not their responsibility to ask every question that may be needed to find out.

My favourite one recently is ...
Friend trying to insure a motorcycle (BMW 1200 IIRC). Insurer won't insure it because it's had panniers fitted. They were fitted by the dealer before sale, using manufacturer parts (basically same as the next "equipment level" up) - but the insurer won't cover the bike with them fitted.
OK, he says, I'll take them off. But then they won't insure him because it's been modified - even though the mod would be to return it to ex-factory condition :roll:
Land Rover 110 V8 LPG
Land Rover 90 petrol (no longer diseasel :D), still awaiting V8 & LPG
http://www.diy-lpg.co.uk

yellabowley
New member
Posts: 4
Joined: Tue Jun 19, 2012 1:12 pm

Re: Considering selling car due to rediculous quotes

#20 Post by yellabowley » Wed Jun 20, 2012 9:31 am

Just echoing previous comments really. The insurers need to know everything.

Worst case scenario if you have a bump and they decide to inspect your car and find undeclared mods they could look to report you for fraud. It was previously an offence of obtaining a pecuniary advantage but now comes under the fraud act. You have failed to declare a material fact in order to obtain something cheaper than it should be.

That is rare in my experience, however what they will try and do is say that as you've not declared mods they'll insure you for the bump but only third party so if it's a write off you'll lose your car without recompense.

I'm with Equity Red Star through Adrian Flux as a broker. I rang them to declare that I'd had the conversion done and they said they'd noted it but it made no difference price wise. Give them a try if your quotes from elsewhere are a but daft.

Post Reply