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Old 16th August 2009, 21:41   #1
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Default Can I Insure my car as a higher variant?

The essential difference between the indica turbo DLG and the DLX is

1. Blackened B pillar
2. Chrome ringed dials
3. power windows in the rear
4. Rear wiper
5. Anti glare IRVM

Soon My car will have 1, 4 and 5. Is it possible to insure my car as a DLX so that these parts will be covered by insurance ?
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Old 16th August 2009, 21:45   #2
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Is not the insurance always based on the RC book?
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Old 16th August 2009, 21:55   #3
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I know ,but can something be done to cover these , just like ICE etc
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Old 16th August 2009, 22:28   #4
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I don't think you can directly change the variant as that is taken as from the RC. But you can always get the accessories added onto the insurance. That is allowed.
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Old 16th August 2009, 22:29   #5
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You can't insure it as a higher variant but you can include the extra accessories in the policy for which the premium will go up slightly.
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Old 16th August 2009, 23:16   #6
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Quote:
Originally Posted by greenhorn View Post
The essential difference between the indica turbo DLG and the DLX is

1. Blackened B pillar
Slightly OT:
1. How to blacken B pillar?
2. Why black B pillar has premium over body colored B pillar.
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Old 17th August 2009, 08:35   #7
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Quote:
Originally Posted by Live To Jive View Post
You can't insure it as a higher variant but you can include the extra accessories in the policy for which the premium will go up slightly.
100% Right

Your entire claim (Any Claim) will not be payable if the variant written in RC book and Insurance will be different from each other.
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Old 17th August 2009, 08:39   #8
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oh ok. thanks guys

@ diabloo - same way as you do in the swift. Black vinyl
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Old 17th August 2009, 10:19   #9
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you can insure the value of all your accessories and pay an extra premium.
however, if (god forbid) you are claiming insurance sometime, you will see that the depreciation knock off would be huge in terms of plastic, rubber and metal parts, so you cannot expect a 100% level of payout. Only glass doesnt depreciate!

however, try and keep a good history of no claims by driving carefully and your no claim bonus would be a useful asset when you go to renew your insurance.
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