Urgent, help please!!!!!

[J4P RX]

Originally posted by ro284
Sounds like they will use anything for a cop out! can the club help in any way i wonder, it could be in all our interests for this to be settled! does this mean you were not covered to drive the car, merely because they dont understand how these cars/engines work! Good luck mate,
Bob

Its aftermarket stuff.  If its not declared then its a risk you are taking.  It also fraud too, which is why they can do worse if they follow it up.  If it is just them two things then they are being a bit harsh though I would think.  Surprised it got noticed even.

Dont want to get into the discussion on the rights or wrongs of it, as I think a lot of the cars here wont have all their mods fully declared just a few of the main ones.

[J.j.]

Just called them up again.
Was told there was no update..........

As if this isn\'t bad enough, they now told me that I didn\'t declaired about my suspension, which I did.........
I declaired exhaust, wheels, rear wing, suspension, and they raised my insurance by 5%.  Now I\'m told they have no recorde of my suspension?

[chris]

Sorry to hear you are having issues with your insurance company, all I can suggest is that you get some evidence to clarify the vehicle is fitted with a dump valve as standard and as others have said there is no performance improvement with an aftermarket dump valve. The standard dump valve is very light and very quick to react, unlike most aftermarket valve\'s these are usually shiny, noisy, heavy and slower to respond. There is absolutely no performance improvement.
 I would contact some of the RX7 specialists in the country such as geoff (reworx) pip (WGT) Simon (rotecnics) tim (rx motors) ross (dragon)
 Explain what has happened and I am sure they will give you a letter stating that from 1992 onwards the mazda rx7 fd is fitted as standard with a blow off valve (otherwise known as a dump valve)

Good luck

[petemillis]

So, what caused the crash? Are any of these things relevant to the cause of the crash?

If I were you I\'d be on the phone to the Citizens Advice Bureau first thing in the morning. The least they\'ll do is help you draft a well worded letter to the insurance company. If they agree that the insurance company is in the wrong or being unreasonable then they\'ll probably suggest you write to the Insurance Ombudsman as well.

I can understand where the insurance company are coming from though. You\'ve got to admit that some yoof in a souped up Saxo is probably going to drive like more of an arse than Mr Sensible of the same age in a standard car. So they\'ll ask for mods to be declared so they can load the premium accordingly. It doesn\'t seem fair that Mr Sensible with a modded car also has to pay more.

[Shark]

I understand your concerns but try not to get too worried or worked up.  If they get the impression you are they will keep the pressure on.

First things first:
Do you remember when you told them about the mods including the suspension ?  
If so, did you do that in writing or on the phone?  
If in writing, dig out the copy of the letter I know you kept or if you hav to ask for a copy of theirs if you didn\'t keep a copy.  If they can\'t do this they cannot deny what you told them.
If by phone ask for a transcript of the call, there is an announcement at the start of an insurance call to advise if they record and they probably do.  

You are legally entitled to see any and all information they have on you under the data protection act.  They have a time delay fo a few weeks they can stall on paper and they can make a charge to you for admin costs of collating and copying it, but electronic if a lot more harsh on them.

If you didn\'t declare the aftermarket induction kit and haven\'t put your foot in it, then you didn\'t know it was aftermarket or you would have declared it like you did the other mods because you are honest and the proof is in the fact you declared your other mods.  Same holds true for the bov, but if you have put your foot in it and acknowledged it is an aftermarket mod then see my next paragraph.

Explain this to them as it is written here.  A dump valve, (also commonly known as a blow off valve, bov, or a charge relief valve) is an integral part of any turbocharged car.  It vents the pressure in the system when the throttle is closed suddenly so as to prevent said pressure bing forced back into the turbo impeller and forcing it to turn backwards, thus reducing the wear on the impeller and the risk of failure of the part.  The valve, given it\'s function, can make no change to the power or performance of the vehicle.

Important point to remember - now that you have made a claim, you are worth a fortune to them in increased premiums when you get another car. - assuming of course you don\'t have a bad insurance history - point this out to them.

Finally - Get everything in writing so you can threaten to go o that tw@t on watchdog!!!  :rollin

Hope this helps you, but stay calm and argue your case as you have made a legitimate claim, the car has no undisclosed changes which would make it more powerful and therefore more like to be involved in a road traffic accident.

Good luck!

[chris]

Just read your next post regarding the shocks, sounds like they are definately trying to wriggle out of paying, I think you need to speak to the insurance ombudsman and get some advice!!

[J.j.]

They said the dump valve is a modification, end of story.........
Will try the phone recording thing, though they\'ll probably come back to me with....  Oh, it wasn\'t recorded........
But what\'s the point declaring anything if they can just come back and tell you that, Oh.....  We have no records of that!!!!!!!!!!
V tired being stressed and scared.....
Why does it take them so long?
I\'d rather knowing if it\'s either good news or bad now.
If it\'s bad, which according to them most likely ...  At least I can start taking it in, but to be left like this...........

[Shark]

be patient.  Don;t get in a tiz, it won;t help you to be all bent out of shape

They will take time as they\'re making interest on the money every day that they haven\'t paid it out to you.

Check all your paperwork and make sure you are getting everything in writing now.  then contact CAB and get some proper advice.

[J.j.]

Thanks guys for all the advices  
Will try every susggestions you guys gave me.

Thanks lots

[hmltnangel]

Don\'t know what to say apart from what everyone here has already said. Explain to the company that it is standard and if they still don\'t listen then speak to the supervisor .... now don\'t let the supervisor fob you off at this point as they will try it. If you don\'t get any joy then kick up a stink and speak to the manager. I had a similiar situation with one of the mr2\'s i had ( k&n induction kit, dump valve and cat back) was actually the engineers report that settled it - he advised them that they wouldn\'t make much difference too and as soon as I made a bit of noise about it to supervisor they shut up and got on with it.

[clive]

I am sure we can help out with an authorised club letter we have authenticated many different things in the past for members, including emissions stuff for Tim  of RX Motors.  

Send me your address via a PM and we will write you a letter to send to your insurance company stating what l said earlier.

[J.j.]

Thank you Clive!!
you have pm

[Freddy]

Sorry to hear of your troubles mate; I found the CAB particularly helpful when I had some problems with motor insurance company. At the very worst it will pile on a little pressure on them that another party other than yourself are also intervening on the case. Just be concise and composed at all times with them, what mods you knew is what you told and you find it abhorrent that they are refusing to pay out. You are right.

As always, good to see Clive helping out another rotary owner.

[zevans]

If you declared mods and they changed the premium as a result then it occurs to me that...

a) They have AGREED TO INSURE THOSE MODIFICATIONS by issuing you with a new premium and I can\'t see how they can possibly argue otherwise - so don\'t worry about the suspension.

b) If they agreed a new premium they must have sent you new paperwork, which will have the mods listed on it...

By the way, NU have a poor reputation in the industry -  they are a bunch of tossers and even brokers don\'t like dealing with them. DO NOT GIVE IN.

[J.j.]

Rang NU and Auto Torque up today.  Guess what, nobody knows anything.............  surprise surprise.............
Only know that they are moving the car to another place for further investigation..........  And I only know that because the owner of the recovery rang me up and told me.......