Who wants an after market bumper / bar?

[Tom D]

I’ll post pics of mine when it arrives.

 

[Cheshire cat]

Insurance is always a problem when you start to do modifications, they get all upset

My heavily modified Defender was insured at near normal rates by Lancaster insurance. Haven’t asked them about the Grenadier which is currently with LV at a reasonable cost.
I would have thought an insurance company would have to show good reason of how a particular mod’ had a bearing on the claim. For instance: reversing into something. How would a front bumper play a part?
I guess they could argue dishonesty. If a mod was not declared upfront you were never actually covered because you are dishonest?

 

[CRH]

My heavily modified Defender was insured at near normal rates by Lancaster insurance. Haven’t asked them about the Grenadier which is currently with LV at a reasonable cost.
I would have thought an insurance company would have to show good reason of how a particular mod’ had a bearing on the claim. For instance: reversing into something. How would a front bumper play a part?
I guess they could argue dishonesty. If a mod was not declared upfront you were never actually covered because you are dishonest?

They can refuse payment if you change the wheels. A few years back they were bumping premiums up if you fitted winter tyres even though it meant the car was safer!
I tried getting cover with underbody protection on a Freelander and the price was ridiculous. It's one of the things putting me off adding to the Grenadier, I'm with LV too on 18,000 miles/year usage, and they are very reasonable.

 

[Jiman01]