I have mostly used Privilege in the last few years, ( proved excelant in handling claim ) for E46 and E92 m3, RS4 among others. Asked for a quote for possible Z4MC purchase and they quoted a very reasonable £233 ( I am an old git living in rural Scotland) and were happy to include CSLs for no extra charge but would not insure the car if added a strut brace. Hardly a radical mod !!
Strut Brace makes car uninsurable
- Thread starter Jbtco
- Start date
Liverpool
I intend to write and query the decision but the initial telephone comment (from a very helpful lady) was that it was on their list of modifications for which they would refuse cover.
I have used Admiral in the past (they were superb value in the early years of E46 M3) but was not impressed in recent years. Good value year one then huge jump in premium, I really cant be bothered chopping and changing .
Adamski, are you sure about direct line & mods. I am obviously talking about a post purchase OEM item not a factory option ticked at the time of original purhase (which the strut brace never was), insurance companies appear to distinguish between the two and one needs to be careful how things are declared.
Anybody here declared a strut brace with no problem.
I have used Admiral in the past (they were superb value in the early years of E46 M3) but was not impressed in recent years. Good value year one then huge jump in premium, I really cant be bothered chopping and changing .
Adamski, are you sure about direct line & mods. I am obviously talking about a post purchase OEM item not a factory option ticked at the time of original purhase (which the strut brace never was), insurance companies appear to distinguish between the two and one needs to be careful how things are declared.
Anybody here declared a strut brace with no problem.
Thats madness, there's putting stuff onto insurance then there's taking the pee. My old car had 4 pages of modifications and it only raised the price by £100. The mods on the Z4M have put it up by £10. Stuff like bulbs and other minor things i don't bother with as (and i quote from my insurance company) we couldn't care less. lol
We discussed a while back about having a thread that covers insurance companies who are more lenient about small mods etc. Might be worth putting one together. Only problem would be if they change their policy etc... However, if everyone is declaring everything it would be easy to maintain?
Bing said:Uninsurable though ? They're having a laugh. Try admiral
They wouldn't insure my car if i fitted an OEM brace :thumbsdown:
Redzedfour said:Bing said:Uninsurable though ? They're having a laugh. Try admiral
They wouldn't insure my car if i fitted an OEM brace :thumbsdown:
Really ? I thought I saw on here they were quite good... I use a Direct Line, but was considering changing.
Bing said:Redzedfour said:Bing said:Uninsurable though ? They're having a laugh. Try admiral
They wouldn't insure my car if i fitted an OEM brace :thumbsdown:
Really ? I thought I saw on here they were quite good... I use a Direct Line, but was considering changing.
There was no probs when i told them about ditching the R/flats but for some reason they weren't happy about the brace even though i told them that it was BMW part. :?
Adamski said:
me.... my insurance didn't care one bit, they kinda chocked when i got to the other mods but we got their.
one thing of note, i think some insurers don't like this mod as in the event of an accident it transfers damage to the other side, my old mx5 turbo was in a smash, and the damage to the perfect side was pretty extensive, the bar had transferred the load and basically buckled the other side which would have been otherwise fine, this spilt the suspension tower and the car was written off.
So has anyone tried Chris Knott to see their view on fitting a strut brace as they are represented on our forum?
Dav the wheel nut said:
Would have to be a non-M. They don't offer cover for M's.