HID insurance etc

[chewy71]

Just wondering if anyone has been pulled for having HIDs fitted or insurance kicking ass on a claim?

[Steves-Vec]

Not been pulled or even a second glance as they appear standard when there on, and i did inform the insurance to be on the safe side they just noted it on my policy no changes in price etc

[chewy71]

have you had the full headlamp converted Steve or just bulb kit fitted?

[Steves-Vec]

Just the bulb kit fitted (HID Direct kit), no issues and no problems anywhere so far fitted earlier this year.

[neverlandandy]

i notified my insurer as well and no change in policy price

[FazerMonkey]

i notified my insurer as well and no change in policy price

Did they refer it to the underwriter or did the broker merley say it was OK? It's one thing to get some bod in a call centre to say 'yeah it will be fine' but if you specifically asked your broker to refer it to the underwriter (generally very sharp and knowledgeable people who actually set insurance premium levels) they would generally say it's illegal and they can't accept it. If they didn't then they're not fully aware of the legality of retro fit HID's and would almost certainly pull the cover if the accident was investigated.

Your also driving around at a point in time when there is little knowledge of retro HID's by the brokers. However, as it becomes more well kown through increasing accidents and insurance claims relating to these mods they'll become even more aware of it, it's simply a matter of time. As I've said before, do you want to one of the first to lose their insurance cover through this mod?

[keefy*2010]

Did they refer it to the underwriter or did the broker merley say it was OK? It's one thing to get some bod in a call centre to say 'yeah it will be fine' but if you specifically asked your broker to refer it to the underwriter (generally very sharp and knowledgeable people who actually set insurance premium levels) they would generally say it's illegal and they can't accept it. If they didn't then they're not fully aware of the legality of retro fit HID's and would almost certainly pull the cover if the accident was investigated.

Your also driving around at a point in time when there is little knowledge of retro HID's by the brokers. However, as it becomes more well kown through increasing accidents and insurance claims relating to these mods they'll become even more aware of it, it's simply a matter of time. As I've said before, do you want to one of the first to lose their insurance cover through this mod?

Sounds like sour grapes. Or he is insurance broker

[Jezzy]

Doesn't matter if you just told the call centre monkey or if you went round to the chief underwriter's house and got a mobile phone pic of him standing in front of your headlights giving the thumbs up - if it's noted on their system that you've advised them then you're fine.

[FazerMonkey]

Sounds like sour grapes. Or he is insurance broker

Sour grapes? In what way?..........thanks for your input, very helpful and mature. I'm also not an insurance broker, I'd love the commission though. No, I'm just one of the numpty drivers who's stupidly always honest on his insurance forms and who therefore picks up the financial tab (in increased premiums) for the ****in idiot drivers who illegally mod their cars, invalidate their insurance then crash (because they can't drive). It gets on my tits that in this day and age of 24hr digital global and mobile media that some people are still so thick or ignorant as to think that they can do whatever they want (because it's all about them, right) without consequence.

[Jezzy]

Sour grapes? In what way?..........thanks for your input, very helpful and mature. I'm also not an insurance broker, I'd love the commission though. No, I'm just one of the numpty drivers who's stupidly always honest on his insurance forms and who therefore picks up the financial tab (in increased premiums) for the ****in idiot drivers who illegally mod their cars, invalidate their insurance then crash (because they can't drive). It gets on my tits that in this day and age of 24hr digital global and mobile media that some people are still so thick or ignorant as to think that they can do whatever they want (because it's all about them, right) without consequence.

Let's get this straight. You have a problem that:

a) Some people pay their full insurance premium;

b) But they "forget" to mention one or more modifications to their insurer;

c) The insurer then refuses to pay out for their customer's repairs because of this non-disclosure (but they don't refund the premium, which is their prerogative when a claim has been reported).

d) So the insurer has saved themselves £500-£2000 on repairs and their customer is out of pocket.

How does that leave YOU worse off?