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I'm with Admiral on a 182 FF.
22 years old. Had 2 years no claims, now 3 years.
Last year was my first year they charged me £1051 - didn't mention any cup packs.
This year renewal price was £700 ish, and I've since fitted an RS192 exhaust so mentioned that I needed a new exhaust and was cheaper to buy aftermarket. Guy on the phone was ok with that and they charged me a £10 admin fee.
22 years old. Had 2 years no claims, now 3 years.
Last year was my first year they charged me £1051 - didn't mention any cup packs.
This year renewal price was £700 ish, and I've since fitted an RS192 exhaust so mentioned that I needed a new exhaust and was cheaper to buy aftermarket. Guy on the phone was ok with that and they charged me a £10 admin fee.
Arctic Blue 182 FF
just a 182 doesnt have cup packs as its a factory option, if yours has cup packs its classed as a FF full fat Wow £1577 is a lot of money
The only good thing about getting old is i just had a quote from Neil from greenlight insurance on here for less than £300 includes suspension,exhaust,viper air kit,carbon mods
The only good thing about getting old is i just had a quote from Neil from greenlight insurance on here for less than £300 includes suspension,exhaust,viper air kit,carbon mods
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That's mega cheap for a 19 year old with 0 NCB.
Wouldn't say anything about the cup packs, how it comes from factory so it's standard.
you're from Devon, no one cares
I don't understand this at all.
It's not like rocket launchers or twin turbos were an option...
How could you be sure what the car should have had as it left the factory !?
Has anyone actually had insurance invalidated because they didn't "declare" their plastic splitter which comes OEM / from the factory ?!
:S
it would be easy for them to find out what comes on the car as standard and what dosnt. Also I epxect they could very easily contact renault and ask them if the car was sold with any optional extras. Its nothing about 'how it lef tthe factory', its whats classed as an 'option extra', ie. if its not on the base model, then its an option extra and need to be declared. I dont see its a problem tbh, i think it put my inssurace up by £10.
DrR
ClioSport Club Member
VW Golf GTD
b****cks! So My mums meant to know if my 11 year old focus came with different colour interior to the base model, or I'd the removable ash tray is an option when she comes to insure it.
got it sorted for £1555 
i said its as it came from the factory, they said you only need to declare standard alloys/ body-kits if they were added as extras, where as all 182's had the alloys and kit.
got my panel filter ordered it without thinking lol, shall i put it in ? think they check if i crash ?
thanks for the replys.
i said its as it came from the factory, they said you only need to declare standard alloys/ body-kits if they were added as extras, where as all 182's had the alloys and kit.got my panel filter ordered it without thinking lol, shall i put it in ? think they check if i crash ?
thanks for the replys.
The Chubby Pirate
ClioSport Club Member
Golf R
They will not check the airbox if you crash.
"I didnt know it was in there" etc
"I didnt know it was in there" etc
Knuckles
ClioSport Admin
The Chubby Pirate
ClioSport Club Member
Golf R
LOL.
If anyone is daft enough to listen i.e and so on
If anyone is daft enough to listen i.e and so on
MR2 Mk1.5
I don't know how people are still arguing over this when policy booklets exist online...
http://www.admiral.com/policyDocs/AD116 0912 Admiral Policy Book.pdf
The cup packs are a manufacturer optional extra ontop of the base 182. So yes you are supposed to tell them. I reckon I can count on my fingers how many people have declared cup packs to Admiral/Bell/Elephant, and likewise I also bet I can count on my fingers how many insurance assessors have voided a claim because they're an RS Clio enthusiast and spotted the bigger rear spoiler etc.
That is simply a fact. It is in your policy booklet. It doesn't matter that it's unfair or ridiculous.
Before I get massively flamed for going against what the majority of CS thinks, I am in absolutely no way saying that Admiral will go over your car with a fine tooth comb and void your policy for having a fluffy dice or different colour wheels.
I tried to do it all properly by declaring cup packs etc and it just turned into a massive faff when they wouldn't believe me that they were factory fitted and not just modifications that I'd done myself.
http://www.admiral.com/policyDocs/AD116 0912 Admiral Policy Book.pdf
Current Admiral policy booklet said:
The cup packs are a manufacturer optional extra ontop of the base 182. So yes you are supposed to tell them. I reckon I can count on my fingers how many people have declared cup packs to Admiral/Bell/Elephant, and likewise I also bet I can count on my fingers how many insurance assessors have voided a claim because they're an RS Clio enthusiast and spotted the bigger rear spoiler etc.
That is simply a fact. It is in your policy booklet. It doesn't matter that it's unfair or ridiculous.
Before I get massively flamed for going against what the majority of CS thinks, I am in absolutely no way saying that Admiral will go over your car with a fine tooth comb and void your policy for having a fluffy dice or different colour wheels.
I tried to do it all properly by declaring cup packs etc and it just turned into a massive faff when they wouldn't believe me that they were factory fitted and not just modifications that I'd done myself.
got it sorted for £1555
got my panel filter ordered it without thinking lol, shall i put it in ? think they check if i crash ?
thanks for the replys.
the 182 has standard body kit and alloys, the 182FF has the optional, non-standard body kit and alloys. What you have told them effectively voids your inssurance anyway, so might as well put that panel filter in!
Yes but they asked me if the car was a 182 or a 182 cup and on the documents/papers its a 182 (NOT a 182 cup ) so i didn't lie, just thought id try go legal this time so my £1555 counts lol, my mini has a load of mods done and i declared nothing for 2yrs but heard some horror story's of people having insurance void because of mods and paying back thousands and CBA with that at 19 lol, think ill get away with a remap from rs tuning Leeds ha ha, no seriously do they check lolthe 182 has standard body kit and alloys, the 182FF has the optional, non-standard body kit and alloys. What you have told them effectively voids your inssurance anyway, so might as well put that panel filter in!
ha scott
cheers
Knuckles
ClioSport Admin
ive heard of someone getting their insurance voided due to an aftermarket gear stick and a ally look fuel cap cover
and ive read that if you crash, they look over your car... but if you crash and kill someone, they pull the car to bits looking for maps, cams etc. could just be hear say though
and ive read that if you crash, they look over your car... but if you crash and kill someone, they pull the car to bits looking for maps, cams etc. could just be hear say though
sorry I dont understnad what your saying. You havent gone about it the right way if you want it 'legal' as you put it. Yours is not a cup, fine. If it was a cup, you wouldnt of needed to declare anything as that is 'from factory'. As its a standard 182, with both cup packs (which are optional extras), your supposed to say its a 182 with optional extras, those being manufacture alternative alloys, manufacture alternative suspension and a manufacture alternative spoiler, all of which give no performace gains and are purely cometic (this is key to keeping the price down). What you appear to have done is told them the exact obisit, being 'i have a 182 thats completely standard with no option extras'? :S
As I posted above I dont declare them as I spoke with admiral and they said I dont need to. If I have an accident they won't replace those parts. As my car is a 55 plate I am sure if it get so fucked up that the suspension or rear spoiler get destroyed its a write off anyway. They are going to pay out on a standard 182. Suits me.
Yes. Read what it says in the T&Cs again...
Manufacturers optional extras are only covered if they have been declared and we have agreed to
arrange cover for them.
I dont see whats hard to understand there tbh. you have probably discussed it with them in a fashion that reflects its not a option extra, ie you have said 'it come from the factory like this so I guess I dont need to declare them', and then the guy on the phone has gone 'ummm :lost, cant find real answer but want commision for sale:, yes sir thats fine'.
Manufacturers optional extras are only covered if they have been declared and we have agreed to
arrange cover for them.
I dont see whats hard to understand there tbh. you have probably discussed it with them in a fashion that reflects its not a option extra, ie you have said 'it come from the factory like this so I guess I dont need to declare them', and then the guy on the phone has gone 'ummm :lost, cant find real answer but want commision for sale:, yes sir thats fine'.
Heez
ClioSport Club Member
Superleggera'd Bean
It means he'll get an equivalent price for a bog standard POV spec 182. If he's declared optional extras then they'll pay out extra to cover those.
There is nothing hard to understand. My cup packs are not covered. This applies:
If you make a claim for loss or damage to your car, we will only pay the cost of replacing
parts needed for your car to meet the manufacturer’s specification.
Not sure what else to say. Might give them a call and declare black gold paint as it was also an option.
If you make a claim for loss or damage to your car, we will only pay the cost of replacing
parts needed for your car to meet the manufacturer’s specification.
Not sure what else to say. Might give them a call and declare black gold paint as it was also an option.
Exactly.
