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Discussion Starter · #1 ·
I know alot of people on here are insured by Liverpool Victoria, and was wondering if anyone has found out what their policy about Modifications is.

I have just had my windows tinted and was wondering should i declare it?

I have declared all my other mods, but since then i have heard that a few people have had some problems, so was just wondering if their was any update?
 

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Discussion Starter · #3 ·
Jus rang them myself, declared the tints and lights(thought i did but forgot) and confirmed a few things:

If you are a new customer then they wont insure you with ANY mods!

If you are an existing customer, they will insure your mods and any future mods as long as you dont change your car!

Hope that helps guys!
 

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Quote: posted by LiQuOrIcE on 31/12/2004 17:43:04

They wouldnt renew my policy in november due to mods!

That could put me in a very interesting situation come next renewal then.

6pts (CD10) isnt the best start to a new policy!!
 

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when i spoke to them about a month ago and pointed out that they will lose a lot of business and there company was being discussed of certain car forums/ they said they are aware of us on here and how we felt but there was nothing they could/would do to change it.it has made me think if they are indeed looking at this site they maybe making notes of what mod's people are doing to there cars. so are they saying that you still can mod your car as long as you keep it?
 

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OK, here's an update.

Firstly, Gary, they couldn't care less about points. Odd I know but so long as you're not banned that's OK with them. Very strange insurance company. I can't figure them out. They're not even bothered about the three points I've picked up since last time we spoke.

Anyway, I phoned them because the insurance on my wife's Polo is due and Tesco's renewal seemed a little steep. To cut a long story short they were cheap (no mods, me policyholder, she's the main driver, nothing out of the ordinary apart from the six points she's picked up in a year [:O]) so I went ahead with it. It seems they're very competitive with 'standard' insurance too. Cue the next rush to LV. Drivers with standard cars but nine points [:D]

I then brought up the subject of modifications re: my car. It appears that, as previously reported, for new customers they will not insure vehicles with mods other than stuff like wheels and sunroofs. Existing customers with modified vehicles will continue to be offered insurance by Liverpool Victoria. It appears that so long as everything has been previously declared they have no problem with offering cover. I also got the impression that LV customers who had existing mods when they first took out the policy are in a slightly better position.

I hope this helps. I also hope that they don't change their minds again before my renewal [:(]
 

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Quote: posted by rich1068 on 05/01/2005 19:54:01

I then brought up the subject of modifications re: my car. It appears that, as previously reported, for new customers they will not insure vehicles with mods other than stuff like wheels and sunroofs. Existing customers with modified vehicles will continue to be offered insurance by Liverpool Victoria. It appears that so long as everything has been previously declared they have no problem with offering cover. I also got the impression that LV customers who had existing mods when they first took out the policy are in a slightly better position.

Thanks Rich.

The problem is that they dont have a list of mods on my car, I have spoken to various members of staff on numerous conditions informing them to the extent of my mods and everytime I get the same answer - "Thats not a problem, you are covered".

So they will continue to offer insurance to us at renewal time with modification cover included?
 

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Discussion Starter · #12 ·
So gary they dont know about ANY of the mods?

OR

You have told them but you dont think they have noted them on your file?

If its the later than thats their fault, the most common replies are "Not a problem, you are covered" "As long as you have photographic evidence, you are ok" "Everything but engine mods are ok" and so on...

How long have you been with them, if its longer than about 4-5 months(definately before October), than your ok. When i renewed in october they knew about all my mods and hadnt sed anything then. If i were you i would confirm with them your mods otherwise your policy may be void.
 

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Quote: posted by sdesailly on 05/01/2005 22:34:58

So gary they dont know about ANY of the mods?

OR

You have told them but you dont think they have noted them on your file?

I verbally listed them to at least three different operators and it was confirmed they were all covered.

I havent got anything in writing nor have I sent any hard copy lists to them.

I have been with them for around 14months now, renewed a couple of months ago.
 

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Discussion Starter · #14 ·
Sounds like we both started at about the same time, i renewed 30th october!

U should be ok, you dont need to send them any photos or letters now! And as you say you have told them over the phone a number of times so it should be ok.

What did they say about the revo remap?
 

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Quote: posted by sdesailly on 07/01/2005 20:52:02

well thats ok then, but i think you should just ring and confirm your mods with them.

I have done on a previous three occasions, same story everytime.

I have even had a claim off them without problem.
 
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