UPREV & insurance question

[skyinsurance]

 

Well it's another example of how they use something to load a premium bit don't take into account something which might reduce it.

 

 

If insurers were seeing less claims or lower value claims when cars are fitted with roll cages, you would see a decrease for fitting it, the fact is, insurers do not.

[skyinsurance]

 

 

Now you say that it makes perfect sense!

 

A head on a steel support will do a LOT of damage!

 

Indeed. A good, padded, motorsport cage may be not so much of an issue.. some of these cosmetic 'show' cages or roll over hoops on the other hand..

[rabbitstew]

In the end the only company who would touch me was Adrian Flux who quoted me double what my previous premium was simply because of the roll cage. Apparently it meant i was very likely to try and deliberately roll the car to see if it worked - even though the car was now slower and safer.

 

Copy and paste over from another forum:

 

And when the 'caged car is crashed, the cage spreads the energy of the collision around the chassis resulting in more damage, therefore increased repair costs to the insurer, not to mention PI claims from body parts connecting with the cage.

 

Now you say that it makes perfect sense!

 

A head on a steel support will do a LOT of damage!

 

If we are talking 3rd party only then it won't make any difference to the cost to the insurance company.

 

Also I'd expect someone in a caged car probably to be less injured than a non caged car in a major smash if cage was fitted correctly.

 

Sent from my GT-I9100 using Tapatalk

 

 

[rabbitstew]

 

Well it's another example of how they use something to load a premium bit don't take into account something which might reduce it.

 

 

If insurers were seeing less claims or lower value claims when cars are fitted with roll cages, you would see a decrease for fitting it, the fact is, insurers do not.

 

I would expect the number of claims for caged cars as a whole to be very small compared to the over all number of claims so my bet is that it's more of a case that cages are classed as modified and insurance company's just group them all together with some chav who has a loud exhaust on his nova. High risk so that's it.

 

And fair enough I guess as if the insurance company had to consider each case separately on its merits then I think that would increase the premium anyway.

[Jetpilot]

Whilst it makes every sense to let the insurance company know i would like to bet there isnt one insurance company who owns uprev software let alone the staff to tell if the map has been altered from standard (no offence to insurance companies or their staff intended)

 

What about the 100's or possibly 1000's of Zeds out there that may have already been mapped and bought 2nd hand without the new owner being told, i have no idea if mine has!

Edited November 20, 2013 by Jetpilot

[ilogikal1]

Whilst it makes every sense to let the insurance company know i would like to bet there isnt one insurance company who owns uprev software let alone the staff to tell if the map has been altered from standard (no offence to insurance companies or their staff intended)

 

But if they had reason to suspect a remap had been done, say a post on an internet forum mentioning it for example, I doubt it would be much effort for them to "consult" someone who had the software and could tell...

 

What about the 100's or possibly 1000's of Zeds out there that may have already been mapped and bought 2nd hand without the new owner being told, i have no idea if mine has!

 

If you're not aware, and it can't be shown that you might be aware, then it shouldn't invalidate your policy should it not be declared - it's similar to proving intent in a criminal case though, there's not definitive way of proving you were (or weren't) aware.

[Jetpilot]

I think there is a little too much big brother is watching you going on here, how does the insurer know your username and more so what forums you use, unless they have specifically asked for it at the time you took out insurance?

 

Could anyone on here tell me the difference between a jdm map and uk map for example?

Edited November 20, 2013 by Jetpilot

[ilogikal1]

Don't get me wrong, I realise that would be the extreme and far from the norm, but just as an example. However it's not beyond the realms of possibility, however unlikely.

[Ekona]

Also I'd expect someone in a caged car probably to be less injured than a non caged car in a major smash if cage was fitted correctly.

The cage might be fitted correctly, but I bet the occupants don't wear helmets like you should in a caged car.

[Stutopia]

Whilst it makes every sense to let the insurance company know i would like to bet there isnt one insurance company who owns uprev software let alone the staff to tell if the map has been altered from standard (no offence to insurance companies or their staff intended)

 

What about the 100's or possibly 1000's of Zeds out there that may have already been mapped and bought 2nd hand without the new owner being told, i have no idea if mine has!

 

I found out my ECU had been worked on recently, from before I bought it second hand, I advised the insurer and they've not changed my premium as they don't know the previous owner's motivation or results.

[Dicky]

Whilst it makes every sense to let the insurance company know i would like to bet there isnt one insurance company who owns uprev software let alone the staff to tell if the map has been altered from standard (no offence to insurance companies or their staff intended)

 

What about the 100's or possibly 1000's of Zeds out there that may have already been mapped and bought 2nd hand without the new owner being told, i have no idea if mine has!

 

Oooooooow you've given me an idea Mr Jetpilot.

If I did have an accident I could tell the insurance assessor that the wife must have had the car remapped while I was at the shops and I was completely unaware of it.

Yeah that could work! ha ha