I have made a specific point of this verbally with Admiral (previous) and NFU (current.)
Both have said that I did not need to declare factory fit options provided the insured value was sufficient. They did want to know about after-market accessories (there weren't any)
Insurance Quotes
1st Sapphire SD
2nd Sapphire GTS
viewtopic.php?f=23&t=4296
Current 992 S Cab
viewtopic.php?f=23&t=9845&p=196465#p196465
2nd Sapphire GTS
viewtopic.php?f=23&t=4296
Current 992 S Cab
viewtopic.php?f=23&t=9845&p=196465#p196465
- Wing Commander
- Posts: 19923
- Joined: Tue Oct 06, 2015 5:43 pm
- Location: Wiltshire
A client of mine got a stone chip in the panoramic roof on his Evoque. No idea how it happened, but luckily for him, his insurer paid out. Couple of thousand pounds I think. That kind of episode might explain the extra premium charged by some insurers for a car with a pano roof...
Simon
Sold: 2016 Rhodium Silver Macan 2.0
Sold: 2013 Platinum Silver 911 (991.1) C2
Sold: 2017 Carmine Red Panamera 4
Mine: 991.2 Carrera T Racing Yellow 06/04/2018
Sold: 2016 Rhodium Silver Macan 2.0
Sold: 2013 Platinum Silver 911 (991.1) C2
Sold: 2017 Carmine Red Panamera 4
Mine: 991.2 Carrera T Racing Yellow 06/04/2018
It was Admiral that asked me to to declare everything. Things like coloured door handles come through as 'exterior modifications (cosmetic)' or something like that. Probably just depends on who you speak to on the phone, and what they decide to do.
Current - Macan III GTS
Previous - Macan II GTS, Macan I GTS
Previous - Macan II GTS, Macan I GTS
-
- Posts: 984
- Joined: Sat Aug 20, 2016 9:11 pm
That’s Admiral’s policy - to require you declare any extras above base specification. And it’s also the main reason I won’t insure with them.
Macan GTS: PH1UFLL8
My thought is that if an insurer doesn’t understand my car and how it is sold at quote time then I will have real problems should I need to claim. I always find an insurer who rates based on my invoice and all fixes can be handled by an OPC.
Paul
Paul
Current : Macan Gen2
Current : Cayman 981
Current : Cayman 981
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