Insurance Quote ~ don't mention Solar Panels!!

Discussion in 'Motorhome Insurance General Discussion' started by veevee, Oct 4, 2012.

  1. veevee

    veevee Funster

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    I just committed a boo boo.

    Speaking to a very pleasant insurance quote advisor at SAGA who asked if the MH had been altered or modified.

    Stupid stupid me as I said I had added (that's not fitted from scratch) a solar panel. This is now an added power boost or an accessesory and the quote has to go to underwriters, yes really.

    The other question to back that up "was this fitted professionally ?". So no more DIY for SAGA maybe?

    So please please if you fit a bike rack, top box, sat dish or solar panel etc don't make the same mistake in being honest, or is that naive?

    Funny world when common sense has dissapeared completely.




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  2. tonka

    tonka Funster Life Member

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    Can say I never had an issue with Safeguard... Even told them about having the engine re-mapped on my old van and it was all noted and never any extra charge...

    Thanks on the tip, SAGA just Never come out cheap for me on anything, don't even bother getting quotes off them now...
     
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  3. raysalaugh

    raysalaugh Funster

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    Their not called SAGA for nothing.:Rofl1:
     
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  4. ShiftZZ

    ShiftZZ Funster Life Member

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    So your solar panel (DIY) comes off on the M6, hits another car, causing a big pile up and the cost could be thousands, your insurance company asks you for proof that the solar panel was fitted correctly and professionally,
    You..."Aghhhhhhh".
    Insurance company -- as Slob/buttons would say "Have a nice day"!

    Had you told the insurance company and they considered the risk and the premium, you are covered.

    I have told mine about all the mods done on the Rapido, when asked about other mods, I reply, "not as far as I am aware".

    Failing to advise the Insurance company and you have an accident or incident could ruin you financially..
     
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  5. chatter

    chatter Read Only Funster

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    arent Saga just a part of the AA these days - thought AA bought Saga out a few years ago, and usually quotes only rise if its vehicle engine performance related mods, it used to be alloy wheels as well at one time but now they are as common as muck
     
    Last edited: Oct 4, 2012
  6. buttons

    buttons Funster

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    Same as all insurance, if you don't own up they don't pay up. If travailing to the US then it is worthwhile to get your doctor to sign a copy of your medical records, saves a lot of doubt. Sorry going off at a tangent. I agree with Shiftzz:Wink:
     
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  7. veevee

    veevee Funster

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    Or how about, you fit a new metal towel hook, it comes off under severe braking, hits the driver on the back of the head, he goes unconscious...

    How far does this go? Should you declare literally everything to your insurers once fitted?

    Is there no element of acceptable risk allowed now? Can a non qualified person change their spark plugs without informing the insurers?

    Sorry Mr ShiftZZ, but if your pedal bikes fall off the back of your MH and mayhem is caused, can you be sued for not being a professional bike fitter-oner, I hope not. I assume that most people have basic levels of competance and common sense and that do not deliberately tie their bikes on hoping they will come off. Sometimes there are accidents and risks, that's what humanity does.

    Have you ever in your life seen incredibly bad work by 'professionals', I have and was able to do better although an 'amateur'.

    Do DIYers doing up a house now run the risk of everything they do that is not completed to a professional standard making them open to being sued or refused insurance?

    If we take all the risk our of our lives it would be so boring that many would question what is the purpose of it all. Can't this trend go too far if we are all forced to become riskless robots to make insurers happy/profitable?

    Last, does this mean that in the brave new world, will we no longer have accidents as no one is allowed to do anything that insurance companies and lawers don't allow?

    Some big questions for the future.




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  8. veevee

    veevee Funster

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    By the way, SAGA haven't quoted yet as it's 'gone to the underwriters' , so have no idea if their insurance conditions and price are reasonable or not.
     
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  9. GJH

    GJH Funster Life Member

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    That's getting the wrong end of the stick isn't it? Dave's response wasn't about risk but about honesty - the comment "don't make the same mistake in being honest" was highlighted.

    If an insurance company asks a question and the proposer gives a dishonest answer (and then signs a declaration, on all proposal forms, that full and honest information has been given) then the insurance company has every right not to pay out in the case of something going wrong.
     
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  10. Techno

    Techno Funster Life Member

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    At nearly 55 I wonder just how old I have to get before they become the teensiest bit competitive on price
     
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  11. jhorsf

    jhorsf Read Only Funster

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    Try Comfort
     
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  12. Techno

    Techno Funster Life Member

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    No need?
    Safeguard are tops for moi
     
  13. ShiftZZ

    ShiftZZ Funster Life Member

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    Indeed, a number of Insurance companies use Voice Stress Analysis software to try and identify non truths...

    If as Graham states dont tell the truth when asked and sign the proposal for to say that the information contained within is true and its not, technically you may NOT be insured and then the whole liability for your actions will fall on your shoulders.

    Insurance as you know is based on probability and risk, they therefore they will charge you accordingly.

    You pay your money and they cover the liability.


    Recently I met a student who had not declared to his insurance company that he had lost his DL some 5 years ago (12 month ban). I suggested to him that for the last few years he had been driving effectivly without insurance, was he bothered? No...
     
  14. aba

    aba

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    lets just hope nothing happens and your insurance say pi$$ off you havent told us about this solar panel so what else have you not told us.
     
  15. stcyr

    stcyr Funster

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    As an aside ... I steered clear of Saga for years, not just because they always seemed to be far from competitive, but also because I was reluctant to admit to getting old, lol.... Renewed car insurance this year (was with RAC, £333p.a. with just 60 days foreign use) -

    - Saga came out best of all: £144, f/comp, 365 day foreign use with full policy cover...

    Result.

    :BigGrin:
     
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  16. quarryjmiller

    quarryjmiller Read Only Funster

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    Modifications

    How far does this go then?

    I've got a Fiamma awning and bike rack, both fitted by the dealer, through roof tv aerial fitted by a specialist, last motorhome had a satellite dome (I did once mention this to Scenic and they said don't worry about it).

    Insurance companies seem to be content to ignore whiplash fraudsters and focus on this type of thing.

    I bet the underwriter has got a degree in something or other but would you trust him/her to actually fit a solar panel to your van?
     
  17. pappajohn

    pappajohn Funster Life Member

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    whoever you spoke to is a numpty.....

    how is a solar panel a 'power boost' except in the sense of an electrical charger.

    they are referring to a power upgrade (ECU chipping) but obviously don't know their own terminology.

    i dont doubt for one minute they do need to know of any modifications/accessories but to call it a power boost is beyond belief :Doh:

    many insurers have a list of items they class as a modification, which you can check.....

    my car insurers class a towbar as a modification...not an accessory...but it doesnt affect the premium.

    tell them everything or risk a refusal at claim time.
     
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  18. veevee

    veevee Funster

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    I understand you are not making any accusations, along with ShiftZZ, but may I just say that a complaint against me is I am too brutally honest.

    I was trying to make a point that by being honest my insurance proposal will be referred due to vehicle modifications. To be truthful I really didn't consider that adding an extra solar panel was a vehicle modification, does everybody on hear declare them when renewing insurance? If so I am way behind the times.
    I am so out of touch that I consider modifications being things like fitting larger wheels, fitting a turbo, chipping an engine etc etc. My background is vehicle modification so I do/did have an understanding as to what modification and it's consequences are.
    So is it correct that everybody that uses a top box on a car advises their insurers? Of course that may be so but I don't think so and the same example applies. It comes off and havoc including not being insured?

    Graham you are partially right in respect to Dave's comment. His was directed at the advising the insurance company honestly and my response was regarding how long and comprehensive is the list of modifications and who has this list?

    This is really about whether to advise that solar panel was fitted and should it be considered a modification at all.

    The pleasant person at SAGA didn't know what a solar panel was at all. Not what it looked like and what it did, in fact had never heard of it. She was maybe late 20's, well spoken and sounded bright. It wasn't in her box of options, accessories or modifications, she didn't know what to do so referred the proposal.

    If I had kept my mouth shut (that's not the same as being dishonest as I didn't and don't consider it a modification to the motorhome, it's an accessory) she would have given me my quote there and then.

    So after considering all your points, my conclusion is to answer the questions that you are legally and morally required to do, don't say anything else as it can hinder the passage of life.
     
  19. beerdrinker1

    beerdrinker1 Funster

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    Comfort worked for me, nearly £100 cheaper than previous ins. company for same cover,

    Beerdrinker :thumb: :drink:
     
  20. GJH

    GJH Funster Life Member

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    From the online dictionary - note number 3
    In the case of completing an insurance proposal we are all legally (never mind morally) required to be totally frank. Look at any advice issued by insurance companies and it says something along the lines of "if in doubt mention it". If any of us "don't say anything else" we run the risk of being uninsured.

    It doesn't matter if I, or another proposer, considers a solar panel (or anything else) a modification, what matters is whether or not the insurance company does so - and unless the proposer tells them then he/she cannot be certain what the company attitude is.
     
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