Woody3

Active Member

• Nov 18, 2011

• #1

My insurance is up for renewal soon, but my existing insurers decided to treble the price this time round

So, I'm now going to get on the phone and get some quotes in, however, I've just realised something. My Defender is standard, no lift, no snorkel, runs on steel HD wheels etc, however it sits on a galvanised chassis. Would you class this as a modification?

 

Station House

Well-Known Member

• Nov 18, 2011

• #2

I'd have to say yes Woody - as it's not how it left the factory

 

A

Airways

New Member

• Nov 18, 2011

• #3

I would say no. I would not make any mention of it unless you are thinking of jacking the value up because of it. It is a bog standard chassis with no modifications. Protective coatings are not classed as a modification.

 

tottot

Well-Known Member

• Nov 18, 2011

• #4

If its a standard chassis [galvanising is just another type of protective covering]then no.

 

Woody3

Active Member

• Nov 18, 2011

• #5

Thanks lads.

Yeah, it's just a standard chassis otherwise.

 

LR90

Active Member

• Nov 19, 2011

• #6

Airways said:

I would say no. I would not make any mention of it unless you are thinking of jacking the value up because of it. It is a bog standard chassis with no modifications. Protective coatings are not classed as a modification.

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Yes i would have to agree on that! BUT insurance is insurance if they can use anything AND I MEAN ANYTHING to get out of paying they will! just food for thought!

 

A

andy mcd

Active Member

• Nov 19, 2011

• #7

It shouldnt as it is a direct replacement. BUT TELL THEM ANYWAY TO BE SAFE