Any recommendation on who to insure a modified Puma 90 Hardtop with would be welcome. Spent the entire day ringing brokers and insurers being mostly declined for their lack of desire to insure a modified vehicle. Mods are mainly suspension/braking and security related albeit a stage 2 engine performance remap doesn't help. Apologies in advance if this thread is in the wrong place - I'm relatively new to the forum.
Insurance with mods
- Thread starter NickBa
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v8250
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Call A Plan/Howden. My Ninety has quite a list of non-standard components including suspension, 110 brakes, seats, external roll cage, security +++ It made no difference to the insurance quotes over the past four years. In fact they were happy to see the modified safety/security components fitted and declared.
You could also talk with Hagerty and Lancaster, both of whom readily insure modified vehicles under their classic car policies.
It's worth listing, photographing all components/modifications, together with proof of costs too. This way they won't query the agrred value.
You could also talk with Hagerty and Lancaster, both of whom readily insure modified vehicles under their classic car policies.
It's worth listing, photographing all components/modifications, together with proof of costs too. This way they won't query the agrred value.
Thanks for the advice, much appreciated. Mine was insured via Howdens / Aviva but the latter cancelled my policy on notification of the modifications subsequently made. Strangely, AF have since quoted via Aviva for the same vehicle / mods. My premium will be at least double based on what I am getting back from those willing to quote, despite a high number of security related improvements. Lancaster pending their quote and will reach out to Hagerty today, thanks again.
Anaconda
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In general I find security makes no difference unless Thatcham listed and fitted by approved company.
Also my experience of AF is they have no idea what they are talking about, make things up as they go along, happy to take your money though.
Also my experience of AF is they have no idea what they are talking about, make things up as they go along, happy to take your money though.
v8250
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It's worth ca
Also call the other classic vehicle insurers like Carole Nash, Peter James PJI +++
As above, give Adrian Flux a wide birth.
Also call the other classic vehicle insurers like Carole Nash, Peter James PJI +++
As above, give Adrian Flux a wide birth.
It is Thatcham listed Cat 2 and thanks AF being avoided despite being keen for the business (premium has dropped three times in 24 hours although restrictions apply!)
Will do and thanks.
I am going to disagree with the above and say I am fairly happy with the service I got from Flux and I have claimed after my 110 had an engine fire. I have it insured with them with all mods declared and it is still a reasonable price. all three of mine are with them.
My only complaint was the tick box mentality of the assessor who any fire was automatically a write off category that cannot be rebuilt and put back on the road. BUT the assessor was a contractor NOT flux. flux were quite happy to reduce the category to a cat N after an inspection and letter form the local independent land rover garage confirming no damage to the chassis. Payment was quick, the agreed upon amount and they were easy to deal with (other than the assessor).
However, I appreciate there were no third parties involved in my claim so my be different when other people and companies are involved.
My only complaint was the tick box mentality of the assessor who any fire was automatically a write off category that cannot be rebuilt and put back on the road. BUT the assessor was a contractor NOT flux. flux were quite happy to reduce the category to a cat N after an inspection and letter form the local independent land rover garage confirming no damage to the chassis. Payment was quick, the agreed upon amount and they were easy to deal with (other than the assessor).
However, I appreciate there were no third parties involved in my claim so my be different when other people and companies are involved.
Anaconda
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That's fair enough.
My gripe with AF was them not knowing what various mods were and seemingly random routes.
My son bought his Ninety on the basis of their route, they then increased it by £1k two weeks later. After lodging a complaint and getting one of their forum reps involved they put it back down by £1k.
This performance went on every renewal for a fair few years. They were the only place willing to insure so there was no choice, on the over hand I guess we should be grateful for that.
Not knowing what the mods are can be an advantage however, but from memory the mods declaration is just a tick box form that you specify the mod and then select from the drop down the category, for most of mine they are listed as cosmetic, eg. lights, snorkel, underbody protection, etc, as the other options in the drop down were along the lines of performance.
Anaconda
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A snorkel was one of the things they couldn't work out. I think they listed it as cosmetic, which in reality it probably is.
NFU declined me based on mods - presumably because of engine performance improvement but not clear.
