Insurance puzzle ???

Post by **flatbum** » Mon Jul 02, 2007 11:36 pm

Been reading this months NECPWA magazine and there is an article at the back about a chap who resprayed his moggie mercedes china blue ( it had been trafalgar blue) When he went to insure it, because it wasn't a standard Morris colour, he was going to be charged an extra 25%.The insurance co said that it was a modified car ! Has anyone heard of this before ?

Post by **bmcecosse** » Tue Jul 03, 2007 6:43 pm

More fool him - best to just describe as 'blue' !!

Post by **Furrtiv** » Tue Jul 03, 2007 7:43 pm

Depends on how much of a stickler your insurance company is, mine will always be "green" - unless they press for details, then I give them the proper colour name, but as mine's a standard colour I don't have these problems.
Would they load you for upgrading your engine? Mine's on its way out and, when it eventually goes, a 1275 with five-speed box would be nice, but would that be considered a mod as opposed to a sensible upgrade?
I would have thought colour wouldn't be an issue - would a respray in a different colour suddenly make the car more seirable, though? I thought black and maroon moggies were quite sought-after?

Post by **aupickup** » Tue Jul 03, 2007 8:38 pm

footman james consider 1275 engines and disc brakes as sensible and do not charge any more, if originally was a 1098

Post by **Kevin** » Wed Jul 04, 2007 1:12 pm

Dont remember ever being asked what shade of colour my car was, and just did a quick straw pole at work and no-one here has been asked either, I would think it would only become an issue if you had a special paint job done with expensive materials, maybe wibble puppy can answer that one as she has had a serious paint job done on her van

Post by **Furrtiv** » Wed Jul 04, 2007 6:14 pm

Well at least my question was answered, as I'm insured with Footman James.

On a slightly related matter, I received a not-very-nice shock today when I found out that I may still have to pay the complete insurance for the year on the now-deceased Pug! Apparently, when you buy through a broker, they pay the complete year's insurance to the insurers up front and reclaim it from you via monthly repayments. This means that, should you not need the insurance anymore, they will have to reclaim the rest from you!

Thankfully, because I had a non-fault claim, Swinton (the brokers) received a refund from the insurers, Axxa, and now I only have to pay a cancellation fee (but I'm not getting back the extra three months' worth of Direct Debits I have already paid since the accident).

It seems insurance is a minefield for the unwary!