|
15 Aug 2010
|
Registered Users
HUBB regular
|
|
Join Date: Jul 2010
Location: London
Posts: 65
|
|
UK Insurance for modifications
Hi everyone,
We have recently raised the suspension on our 80 series Landcruiser to Old Man Emu in preparation for our London-Cape Town trip next year, and now our UK insurance company Elephant are refusing to insure us because they think we may take the truck off-road (!). We have rung around some other insurance companies but they won't insure us either as we don't have any no claims bonus (as we were previously living in NZ).
Elephant said they don't offer insurance for any suspension modifications on 4x4 vehicles. At the moment we have fully comp insurance, but we really only need 3rd party, but they won't even give us that, its unbelievable!
Help! Has anyone managed to get insurance cover for their truck through Elephant Car insurance?
Can you recommend any other insurance companies?
Any info much appreciated!!
Cheers
ness
|
16 Aug 2010
|
Registered Users
Veteran HUBBer
|
|
Join Date: Aug 2005
Location: Horncastle,Lincolnshire,UK
Posts: 226
|
|
Hi Ness
Elephant are part of the Admiral Group of companies who tend to insure 'ordinary' vehicles at quite good rates or specialise in insuring specific groups of people eg women (sheila's wheels) etc. I'm not surprised they won't insure anything out of the ordinary as a vehicle modification equals increased risk in their minds. It is for that reason they won't even consider 3rd Party only. In effect they think you are a higher risk of causing accidents. Incidentally, there generally is no real cost saving going for 3rd party only in the UK as premium depends on market competitiveness and the market for 3rd party only is less competitive than fully comp.
What I suggest you do is contact a specialist insurer eg look in one of the off-road magazines which often have ads for insurance for modded vehicles or else contact a TLC club (sorry I can't provide details) to see if they have a database of insurers or brokers. Don't worry though; you will find an insurer though without a UK NCB it may well cost. Some insurers though will take into account 'foreign' accident-free history provided you can provide evidence in support.
Best of luck
Q
|
16 Aug 2010
|
Registered Users
HUBB regular
|
|
Join Date: Jul 2010
Location: London
Posts: 65
|
|
Thanks for that Quentin,
We have tried a number of other companies, and none of them will insure us. We tried NFU, but they don't cover London, we tried some other ones that specifically insure modifications, and they are refusing to cover us! We are getting a bit desperate!! We might try transferring the car over to my name instead of my boyfriends, and see how we get on. I last had insurance in my name (as car owner) in 2005 so not sure whether the no claims bonus will count. We have been named drivers on my sister's policy for a few years, but apparently that doesn't count as NCB for some reason...
We are leaving for a trip around Europe in a few weeks time so it is getting to crunch time!!
:confused1:
|
17 Aug 2010
|
Registered Users
Veteran HUBBer
|
|
Join Date: Aug 2005
Location: Horncastle,Lincolnshire,UK
Posts: 226
|
|
Ness as you are having such problems I suggest you go to a broker and get their advice as to your way forward. Have you tried Adrian Flux? They insure (well they are brokers so don't actually insure) my overland truck (by definition modified) as well as insuring a large number of self-built-i.e. converted-camper vans.
Good luck
Q
|
17 Aug 2010
|
Registered Users
New on the HUBB
|
|
Join Date: Nov 2009
Location: Was London now TRINIDAD
Posts: 3
|
|
Yep Adrian Flux are very good for insuring "modded" cars, also there bike section Bike sure are also great give Flux a shout on 0800 369 8590 lines open 9AM-7PM.
If you have NCB they are only valid for 2 years after your last policy has ended and thats for UK policys only.
One other thing you could try is rather than trying for a full year policy go to anyone of the growing number of Insurance companys doing short term insurnace 1 day-6 months etc as in my experience then tend to be more lenient try Temporary and short term car and van insurance from Day Insure or www.tempcover.com "may" just get you on your way but there are many many more
Uk Insurance can be stupid but all you need to do is find that one company that tells you yes.....
Hope you get sorted....
|
Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
Check the RAW segments; Grant, your HU host is on every month!
Episodes below to listen to while you, err, pretend to do something or other...
2020 Edition of Chris Scott's Adventure Motorcycling Handbook.
"Ultimate global guide for red-blooded bikers planning overseas exploration. Covers choice & preparation of best bike, shipping overseas, baggage design, riding techniques, travel health, visas, documentation, safety and useful addresses." Recommended. (Grant)
Ripcord Rescue Travel Insurance™ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers.
Led by special operations veterans, Stanford Medicine affiliated physicians, paramedics and other travel experts, Ripcord is perfect for adventure seekers, climbers, skiers, sports enthusiasts, hunters, international travelers, humanitarian efforts, expeditions and more.
Ripcord travel protection is now available for ALL nationalities, and travel is covered on motorcycles of all sizes!
What others say about HU...
"This site is the BIBLE for international bike travelers." Greg, Australia
"Thank you! The web site, The travels, The insight, The inspiration, Everything, just thanks." Colin, UK
"My friend and I are planning a trip from Singapore to England... We found (the HU) site invaluable as an aid to planning and have based a lot of our purchases (bikes, riding gear, etc.) on what we have learned from this site." Phil, Australia
"I for one always had an adventurous spirit, but you and Susan lit the fire for my trip and I'll be forever grateful for what you two do to inspire others to just do it." Brent, USA
"Your website is a mecca of valuable information and the (video) series is informative, entertaining, and inspiring!" Jennifer, Canada
"Your worldwide organisation and events are the Go To places to for all serious touring and aspiring touring bikers." Trevor, South Africa
"This is the answer to all my questions." Haydn, Australia
"Keep going the excellent work you are doing for Horizons Unlimited - I love it!" Thomas, Germany
Lots more comments here!
Diaries of a compulsive traveller
by Graham Field
Book, eBook, Audiobook
"A compelling, honest, inspiring and entertaining writing style with a built-in feel-good factor" Get them NOW from the authors' website and Amazon.com, Amazon.ca, Amazon.co.uk.
Back Road Map Books and Backroad GPS Maps for all of Canada - a must have!
New to Horizons Unlimited?
New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!
Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80G/S.
Read more about Grant & Susan's story
Membership - help keep us going!
Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events all over the world with the help of volunteers; we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.
You don't have to be a Member to come to an HU meeting, access the website, or ask questions on the HUBB. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.
|
|
|