Time to insure again

UK forum for general and technical discussion about the Z3 roadster

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johnz3
Joined: Wed 13 Sep, 2006 11:27
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  Z3 roadster 3.0i
Location: Pitsea

Time to insure again

Post by johnz3 » Sun 15 Feb, 2015 20:44

Anyone recommend or know of any insurance companies that accept strut braces and air induction kits without adding mega ££££££ onto the quote. Thanks

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Boysie
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  M roadster S50
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Time to insure again

Post by Boysie » Sun 15 Feb, 2015 22:25

Put it on a classic policy,
They are not interested in add ons
I have a engine strut, butt strut and a full body brace, I can't get the market companies to insure it, it must now go at least 300 mph as if :-)
It amazes me it. It makes the car safer
The insurance companies want any loop hole to get out of paying out
I use Peter James, I did mention it has addons he was not interested :-)

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Last edited by Boysie on Mon 16 Feb, 2015 23:13, edited 1 time in total.
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Gazza
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Re: Time to insure again

Post by Gazza » Sun 15 Feb, 2015 22:35

I use RH Classics for my Yank Insurance and they ask if there are any mods.
Gazza

"Understeer is when you hit the wall with the front of the car, oversteer is when you hit the wall with the rear of the car. Horsepower is how fast you hit the wall and torque is how far you take the wall with you"

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stevov
Joined: Sun 21 Dec, 2014 15:56
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Re: Time to insure again

Post by stevov » Tue 17 Feb, 2015 22:16

Pace Ward. Performance car specialist.

gookah
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  Z3 roadster 2.8

Re: Time to insure again

Post by gookah » Wed 18 Feb, 2015 12:36

Boysie wrote: It amazes me it. It makes the car safer
Only if you ever carry on travelling at the same speed as before.
However these enhancements enable the car to be driven faster, increasing any repair bill or compensation payout from a faster impact.
I hate insurance as its a racket but unfortunately they have a point you can't argue with here.
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I have an element of 'M-styling' on my car, If that's a good enough reason for the manufacturers to adorn a 320 with the M badge, then its certainly a good enough reason for me..

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Boysie
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Re: Time to insure again

Post by Boysie » Wed 18 Feb, 2015 18:03

I think the term old boyracer suits me then :D
I know they are protecting their interests, but there is often people on the other
end of the phone who don't even own or drive a car, and does have a clue what a strut brace is ?
I find it strange that on the newer cars these are a standard fixture
So why an increased premium on an older car to make it safer ? in handling ?
Ray

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S50 ///M Roadster, Arctic Silver, Imola Red/Black interior
1970 Austin Healey Sprite, Original ' Now Sold :-(
2002 Harley 1130cc V Rod Custom

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Koolflyer
Joined: Fri 05 Jul, 2013 16:51
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  Z3 roadster 2.8

Re: Time to insure again

Post by Koolflyer » Fri 03 Apr, 2015 20:10

Indeed, time to insure....but who will insure you?

It seems that when you admit to adding a strut brace a lot of the insurance companies raise their eyebrows and say no! One lady seemed convinced that I would produce more power!....wow, wonder who's strut brace that was?? When one tries explain that the point is to help the chassis from flexing and make the car more stable. Also, most of the later cars including my E91 330 has one fitted as standard for this very reason, seems to fall on deaf or just ignorant ears....pity. I asked one company if I removed it, would they then insure my car....guess what the answer was?

I do now have some quotes, stating that it does not have any mods ie strut brace, which seems to be fine. So, I'm very fussy about telling these folk everything, for the very reason that if something did go wrong I'm quite sure their assessor's would be rubbing their hands if they could find a way out of paying up.

I'm with Admiral at the moment who seem to be ok, but I am going to check again after Easter. It doesn't seen like a sound reason in my opinion to rule out a strut brace, but some do......have you checked your insurance? Might be worth a call :rtm:
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johnz3
Joined: Wed 13 Sep, 2006 11:27
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  Z3 roadster 3.0i
Location: Pitsea

Re: Time to insure again

Post by johnz3 » Fri 03 Apr, 2015 20:39

Just insured with Elephant for the second year and asked about the strut brace. Person rang me back and no charge. Somewhere along the line I seem to think Admiral were part of Elephant so if they were to charge you, you could mention that Elephant dont charge.

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Koolflyer
Joined: Fri 05 Jul, 2013 16:51
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  Z3 roadster 2.8

Re: Time to insure again

Post by Koolflyer » Fri 03 Apr, 2015 21:03

Thanks for that John, that would tie up then........sounds they know what they are talking about then....cheers Pete
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1997 Z3 2.8 (M52) Roadster Montreal blue
2013 330d (F31) M Sport Alpine White

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