windy Posted January 10, 2015 Share Posted January 10, 2015 One other thing to add to about FJ is they won't insure cars fitted with fibre glass panels. I know of one classic car club that communicated this to members recently. Not sure if this applies to Westfield or not so probably worth checking if you have a policy. Quote Link to comment Share on other sites More sharing options...
Rory's Dad Posted January 11, 2015 Share Posted January 11, 2015 One other thing to add to about FJ is they won't insure cars fitted with fibre glass panels. ...but still sponsors of the Speed Series Quote Link to comment Share on other sites More sharing options...
Dave Eastwood (Gadgetman) - Club Chairman Posted January 11, 2015 Share Posted January 11, 2015 But is that a car that normally has steel panels that has had them replaced by grp? ie bodykits, lightweight competition panels etc They're still advertising kit car cover on the web site, (including Westfields) which wouldn't be possible if grp bodies were excluded. 1 Quote Link to comment Share on other sites More sharing options...
Captain Colonial Posted January 11, 2015 Share Posted January 11, 2015 Agreed with the smartest man in the club above - but we will contact FJ and confirm. I'm sure there's nothing to worry about. 1 Quote Link to comment Share on other sites More sharing options...
Nemesis Posted January 11, 2015 Share Posted January 11, 2015 It's not just the loyal's that are getting stretched..... I rang them for a new business quote, My Westie's factory built, they wanted a whopping £240. The guy wasn't at all fazed when I told him to do one. Looks to me like they want out of the insurance market. Nem..... Quote Link to comment Share on other sites More sharing options...
Captain Colonial Posted January 14, 2015 Share Posted January 14, 2015 One other thing to add to about FJ is they won't insure cars fitted with fibre glass panels. I know of one classic car club that communicated this to members recently. Not sure if this applies to Westfield or not so probably worth checking if you have a policy. Just to close this one out - that only applies to cars where the body is made of a material different to standard manufacturer supply. Westfields as with all other kit cars will be insured under their kit car scheme where fibreglass body panels are standard and of original manufacture. So no need to worry unless you've swapped your body panels to steel or CF and not told whoever your insurance company is. Pro-Tip: ALWAYS be 100% accurate and truthful about your car when getting insurance, and call them if you change anything that alters the car in a way which might affect their costs in the event of a claim, i.e. TELL THEM EVERYTHING and you won't have a nightmare later. 1 Quote Link to comment Share on other sites More sharing options...
Dave Eastwood (Gadgetman) - Club Chairman Posted January 14, 2015 Share Posted January 14, 2015 And prepare to be pleasantly surprised, on a kit car, how little seems to actually make a difference to the premium. (Unless it add vastly to the insured value, if you have one). 1 Quote Link to comment Share on other sites More sharing options...
windy Posted January 15, 2015 Share Posted January 15, 2015 Just to close this one out - that only applies to cars where the body is made of a material different to standard manufacturer supply. Westfields as with all other kit cars will be insured under their kit car scheme where fibreglass body panels are standard and of original manufacture. So no need to worry unless you've swapped your body panels to steel or CF and not told whoever your insurance company is. Still a bit of a grey area in my mind: What happens when the manufacturer supplies both steel and GRP as options? Dax Rush for instance can be supplied with either aluminium or GRP side panels. Pre-lit Westfield was also available with both wasn't it? What about Cobras, many of them now have option of GRP body replaced with aluminium version? Certain performance versions of classic cars had different materials in their construction - e.g. X-pack Fords. They were never built like that from the factory, these were always converted afterwards by the dealers or specialist coachbuilders. Same goes for the performance Vauxhalls. I know of one person that has a car built by Vauxhall that came from Vauxhall with GRP panels fitted and can't be insured by the subject insurer because they say these panels should be made of steel! What do they know? All the above relies on the broker or insurance company having knowledge of these features. It seems they don't so it would be wise to steer well clear of them, because you'll be sure to have a battle on your hands in the event of a claim. Putting this exclusion in their policies is only going to make customers walk, but for whatever reason, maybe that's what they want - who knows? Quote Link to comment Share on other sites More sharing options...
SootySport Posted January 15, 2015 Share Posted January 15, 2015 The insurance companies quote premiums based on the Car manufactures original spec. So if it modified in any way ex. factory spec. then the insurance co. want to know. It's always been like that. The special versions you mentioned would come the modified category so the broker would need to know the differences from the OE factory spec & your car. For instance I did try a quote on a Astra 888 some years ago. The 888 was a Vauxhall approved conversion ex. factory but the broker did not seen this version on his list of Astra models, after bit of explaining by myself he did his homework and gave a quote as a modified car, needless to say there was 25% loading on the policy, all fine and above board should a claim be made. Should you be worried about a future claim going pear shaped, find and print a brochure on your modified but factory approved car with all the spec. and send it to insurance compny at the time of insuring. Quote Link to comment Share on other sites More sharing options...
SootySport Posted January 15, 2015 Share Posted January 15, 2015 It's not just the loyal's that are getting stretched..... I rang them for a new business quote, My Westie's factory built, they wanted a whopping £240. The guy wasn't at all fazed when I told him to do one. Looks to me like they want out of the insurance market. Nem..... Your engine is twice the size of mine so is twice the price, simples. Quote Link to comment Share on other sites More sharing options...
Dave Eastwood (Gadgetman) - Club Chairman Posted January 15, 2015 Share Posted January 15, 2015 FJ is the broker, not the insurance company though. So if the insurance companies have decided to be wary of covering a very specific kind of risk, not directly associated with kits, surely the brokers job is to point this out? I still struggle to see just how it would apply to the kit market. Quote Link to comment Share on other sites More sharing options...
windy Posted January 15, 2015 Share Posted January 15, 2015 When I started driving, CCC magazine was full of goodies you could bolt to your car to make it go faster. Insurance companies pretty much turned a blind eye to mods and we had a lot of fun. Nowadays you can't even fit so much as a chrome trim to your tailpipe without invalidating your insurance. Insurance companies have a lot to answer for. They've killed off that car culture and CCC mag is now sadly no more Quote Link to comment Share on other sites More sharing options...
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