Rowy wrote:

Told my insurance company (Admiral) about my Body kit & wheels-cos they are Landrover Equipment no extra charge

Esure shafted me for the style pack and window tint n mine, calling it a "heavily modified car". Seems that anything you specify over and above what comes on a bog standard car.. ie in my case anything that comes over and above a normal XS, wheels, leather steering wheel, windows, alcantara/leather, spoiler etc, costs you.  09MY FL2 Td4 XS, Style Pack, Privacy Glass, Martinique Blue.. oh so very blue..

Rowy wrote:

Told my insurance company (Admiral) about my Body kit & wheels-cos they are Landrover Equipment no extra charge

Got the quote from Admiral off Compare the merekat.com then when they rang me to set up the policy they gave me further discount 'cos I'd not mentioned I had a missus??? then I told them about the kit and wheels-No extra cost 'cos they are original landrover and can be specified on a new car.

it me off when insurance companies charge one for things and don't do it for others Former Mod/Member, with the most post & Chicken George Arch nemesis

I argued mith my insurance that it was original equipment and that it was part of the car when I bought it as supplied by LR. They argues that if the car is a write off then the accessories have to be bought on top of the cost of a basic car, thus the premium goes up. Fair point I spose but still arse.  09MY FL2 Td4 XS, Style Pack, Privacy Glass, Martinique Blue.. oh so very blue..

exactly £20+K car, plus £1-2K extras, means bigger premium, because i am sure you would want the replacement to have the extras on if the worst happened Former Mod/Member, with the most post & Chicken George Arch nemesis

All though I told them about the bits on my FL2, I'm not totally sure that they are covered anyway? They'll probably only give me market value for the car if I do need to claim-as they say the more you spend on extras don't necessarily mean the car will be worth much more second hand.

A car's value is not the only criteria for basing insurance premium prices, I.E. You can get 2 different make's of cars in the same insurance group that cost ten grand different.
Plus I think you'll find for instance.. insure 2 cars, say BMW 320s one standard cost £30k one with £8k of options I.E. heated steering wheel, leather, sat nav etc. and the insurance premium will be the same. (extra's not modifications) Again as they'll pay out second hand market value, they won't be paying you to get the extra's-thats What RTI insurance is for.

If they charge me extra for the 'extras' then they will have to cover the cost of those items, not just market value of the car. I suppose there's no argument should the worst happen. Phil

Mods like alloy wheels etc. that incure an insurance loading will because they make the car more desirable to a thief-not cos they they are covered.

Yes they carry a weighted risk factor but also they should be covered. My policy says something along the lines of "modifiactions and optional extras not disclosed will not be covered and may invalidate your policy". I'd fecking hope they were covered! 09MY FL2 Td4 XS, Style Pack, Privacy Glass, Martinique Blue.. oh so very blue..

When towing I have felt that the car feels more 'planted' with the 19's.

Regarding mods, I was charged £70 extra for the 19's exhaust change, but they did'nt charge me for the rear spoiler or the side steps.

I havent told them about the bump strips on the doors or the colour coded door handles though. Freelander 2 HSE Lux 2013MY - Barolo Black with Ivory Leather. Alpine DVD - Privacy -Evoque 20" Dynamic Wheels and more to come.........