Insurance Invalidated with a Tegiwa Induction kit? - Civinfo
 
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post #1 of 8 (permalink) Old 15th January 2014, 11:58 Thread Starter
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Insurance Invalidated with a Tegiwa Induction kit?

Hi Guys

As title suggests, my insurance broker, One Call have notified me, that my insurance will not cover the addition of the Tegiwa Airbox. Disgusting! They wont cover any modification, no matter how trivial or small.

Anyway option is pay 187 as a cancellation fee which is the remainder of the amount of the policy (2 months) or remove the Airbox and keep the insurance, but i wont be covered while it is on the vehicle, which no matter what cant change until the weekend.

Any ideas of what i should do, or any insurance companies who are sympathetic of modification which may help me out in terms of transferring over or something? I know i made a school boy error installing it and making the assumption i would be covered..but why wouldn't i be...lets be honest i will getting an 2 - 5bhp from the Airbox which is not going to make me either less or more likely to have an accident.

Whisky
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post #2 of 8 (permalink) Old 15th January 2014, 12:11
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Ride the insurance out for another two months mate and collect that years no claims then move on to the insurance company's on here mate all are happy to Insure with or without mods


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post #3 of 8 (permalink) Old 15th January 2014, 17:10 Thread Starter
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So that's what I have done. ...removed the Airbox and back to ohm.

In fact this could be a good thing in disguise, as I do miss the noise of an open cone cai so may well sell my practically brand new Tegiwa Airbox and Driven Crazy Scooping and get the Skunk 2

Bloody insurance...ruined my day this issue!

Whisky
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post #4 of 8 (permalink) Old 16th January 2014, 11:12
 
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Hi WhiskyDelta,

Sorry to hear that the mainstream 'men in grey' ruined your day.

As a specialist Insurance provider, we seek to cover vehicles where there is an element of pride or where the owner takes an interest in their vehicle.

Which is inevitably the case with most modified vehicle owners, who have spent to enhance their vehicle to their own specification.

So, if you do decide to shelve, then fit the Tegiwa airbox we have products that would include this without charging any more.

We would also cover the modification upon a like for like replacement basis.

Kind regards

Tony
post #5 of 8 (permalink) Old 16th January 2014, 11:53
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Use greenlight they will cover all mods plus track days and are very helpfull
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post #6 of 8 (permalink) Old 16th January 2014, 18:36 Thread Starter
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That's what I intend to do when my insurance lapses in May

I rang Green light just to see what they had to say and was very impressed. All logical T and C's and when I discussed my issue with a helpful young bloke ( who obviously knew his cars and was similarly pationate about them) and provided a fantastic quote.

Due to the cancellation fee I have no choice but to ride it out but I will contact Green light back.

The thing that hacked me off was the fact it is just unreasonable and illogical decision the insurance company made. They are taking my money for a service, I do the right thing by telling the company about the mod of which many drivers may not bother I am hit in the face by an decision that makes no sense, and if I cancelled my policy after a month I would still have to pay off the entire lol icy! ! There comment is it is in the contract but come on and I really expected to read over the entire document with a fine tooth comb to ensure I am not being screwed?. Fair enough if I dropped a different engine into the car so the change was dramatic but just changing the Airbox is equivalent of using super unleaded over unleaded.

I know people hate drivers who drive around without insurance but I have 2 friends who in a number of weeks have each had an accident. Both, 100% not their fault, both stationary yet the insurance companies managed to riggel out of paying out and both were 50/50 outcomes. Disgusting, if I claim on my house insurance, phone insurance, or any other insurance I get a pay out with minimal hoops to jump through. With car insurance its the exception rather than the rule. The industry is one step away from legal fraud....


Rant over!

This was also by no means aimed at Green light, just One Call and Admiral as I had a run in with them about automatic renewals and miss sold insurance of which they screwed me also.

Whisky

Last edited by WhiskyDelta; 16th January 2014 at 18:42.
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post #7 of 8 (permalink) Old 18th January 2014, 12:37
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The best thing is that in the event of an accident you won't get the cost of the intake back either. So a mod which has a relatively small impact on performance and can't even be seen (unless you drive around with the bonnet open) causes an increase in premiums. No doubt they have some statistics to show that if you put an intake on your car your more likely to drive aggressively etc etc.
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post #8 of 8 (permalink) Old 18th January 2014, 15:59
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Yep all my mods declared & not a penny back when it was written off literally thousands down the drain. They take your money for mods but won't give it back
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