Civinfo - View Single Post - Insurance Insurance won't cover Glass Roof + Leather?

DHough · 15th September 2007, 15:59

Supervisor from Admiral rang me back to confirm things - Glass Roof and Leather are considered modifications, Honda supplied or not, and only standard EX is covered. If the Glass Roof or Leather were ever damaged, regardless of blame, I would have to cover them myself.

I then asked if stating these 'modifications' raised the premium, and I was told that it did. D: Asking why was told it made the vehicle more attractive to thieves...despite the fact they would not cover these items...rip off.

So then asked if I should lower the market value of the car since I included the factory options when I valued it. I was told no, that the market value including the options was the value I needed. So I asked if they would pay out for an EX with leather and glass roof's value if it was, for example, stolen. Again told no, that the market value would be appraised from standard EX's value at the time, with no options.

I was pretty dumbfounded by all of this 'pay for it but we won't cover it' ******** they were giving me but I decided to take the policy because it is a suspended policy I already had with them from my previous car, and it ends in April anyway (I need that no-claims, only have 2, am 21). You can bet I won't be renewing with them though, useless morons.

15th September 2007, 15:59	#7 (permalink)
DHough Valve Cap Join Date: 1st August 2007 Posts: 23 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Supervisor from Admiral rang me back to confirm things - Glass Roof and Leather are considered modifications, Honda supplied or not, and only standard EX is covered. If the Glass Roof or Leather were ever damaged, regardless of blame, I would have to cover them myself. I then asked if stating these 'modifications' raised the premium, and I was told that it did. D: Asking why was told it made the vehicle more attractive to thieves...despite the fact they would not cover these items...rip off. So then asked if I should lower the market value of the car since I included the factory options when I valued it. I was told no, that the market value including the options was the value I needed. So I asked if they would pay out for an EX with leather and glass roof's value if it was, for example, stolen. Again told no, that the market value would be appraised from standard EX's value at the time, with no options. I was pretty dumbfounded by all of this 'pay for it but we won't cover it' ******** they were giving me but I decided to take the policy because it is a suspended policy I already had with them from my previous car, and it ends in April anyway (I need that no-claims, only have 2, am 21). You can bet I won't be renewing with them though, useless morons.