Post Office Car Insurance - Canceling Advice

shaun_from_Africa

photome wrote: »

What sort of decals make a difference to insurance costs

"Go faster stripes" or something similar which if not there as standard would class as a modification and could attract a higher premium.

Anything which makes a vehicle stand out from the "off the shelf" model could make it more attractive to thieves hence a higher risk to the insurers which is why some insurers class these as a mod.

Hintza

Iceweasel wrote: »

Thanks for your kind words, Walt.

Have a nice day.

I'd have phrased that reply slightly differently

He's from Essex though which might explain it!

Iceweasel

shaun_from_Africa wrote: »

"Go faster stripes" or something similar which if not there as standard would class as a modification and could attract a higher premium.

Anything which makes a vehicle stand out from the "off the shelf" model could make it more attractive to thieves hence a higher risk to the insurers which is why some insurers class these as a mod.

That's a good point - I wasn't thinking of stripes and such - I was imagining advertising graphics.

AdrianC

Iceweasel wrote: »

That's a good point - I wasn't thinking of stripes and such - I was imagining advertising graphics.

I was thinking MaccyD-carpark-style "stickerbombing", almost certainly alongside other mods.

Johno100

Iceweasel wrote: »

That's a good point - I wasn't thinking of stripes and such - I was imagining advertising graphics.

Why did you jump to that conclusion, the OP hasn't mentioned the type of decals?

Seems to be a trend on this board of immediately putting the frighteners / giving the worst case scenario to nearly every query raised.

AdrianC

Johno100 wrote: »

Why did you jump to that conclusion, the OP hasn't mentioned the type of decals?

Seems to be a trend on this board of immediately putting the frighteners / giving the worst case scenario to nearly every query raised.

Has the insurer asked what type of stickers?
No? Then it's just the fact that there are stickers which they're basing their calculation of risk on. And that's what the discussion is based on, too.

Iceweasel

Johno100 wrote: »

Why did you jump to that conclusion, the OP hasn't mentioned the type of decals?

Seems to be a trend on this board of immediately putting the frighteners / giving the worst case scenario to nearly every query raised.

Jump to conclusion?

Read post #9 again:

Decals or sign-writing perhaps as advertising would show a possibility of business use.

I made no conclusions - I was only suggesting possibilities.

rs65

photome wrote: »

What sort of decals make a difference to insurance costs

Any/all of them. If an insurer has to repair a panel, no doubt the policyholder would want the decal replaced too. Additional cost.

Can also lead to arguments - imagine a starsky and hutch style stripe and only one section needs replaced and isn't available. Has the insurer to replace the whole side of decals?