lingl9z
Member +
Ahh okay cheers mate!
Lowering your premiums
- Thread starter skyinsurance
- Start date
Ahh okay cheers mate!
skyinsurance
Member +
Hi,
no, the roll cage will increase your premium, the brakes/seats/harnesses wont make any difference (with Sky Insurance).
Thanks
Ollie
Sky Insurance
Phenom
Member +
What sort of logic is that?
Someone goes to great trouble and expense to fit a roll cage for reasons of safety and additional structural integrity of a vehicle and the nett result is an INCREASE in insurance premium.
Plleeeeeeaaaaaaaaaaaasssssssssssssssssseeeeeeeeeeeeeeeeeee!
Ben89
Lifer
alot of people have been killed by the roll cage its self hitting there head etc i thgink thats the logic that they are thinking anyway.
skyinsurance
Member +
And when the 'caged car is crashed, the cage spreads the energy of the collision around the chassis resulting in more damage, therefore increased repair costs to the insurer, not to mention PI claims from body parts connecting with the cage.
Do you understand this logic Phenom?
I think the fact that we are one of the only insurance companies who insure 'caged cars shows the the industry as a whole struggle with this.
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Phenom
Member +
In a word - BULLSHIT.
The usual Insurance Company Corporate line - yet again............
Are you really expecting people to BELIEVE that fitting a roll cage INCREASES the chances of additional damage to both the vehicle, and occupants.
OK.
Let me give you a scenario.
Identical vehicle - Identical Crash.
One WITH roll cage fitted.
One WITHOUT roll cage fitted.
Which one would you prefer?
skyinsurance
Member +
To be fair, I have given you the answer, I dont need to go over it again. If you dont want to believe it then dont.. Why would I make it up? You asked a question, I gave you the answer, if you dont like the answer then fair enough.
Moving on, my company will continue to be one of the only UK insurers who will cover a roll cage fitted car.
Thank you and goodbye.
Ollie
Sky Insurance
Phenom
Member +
I asked a question which YOU have failed to answer!
Weak son.
Nevermind - just keep towing the corporate line.
Goodbye.
Until next time.
skyinsurance
Member +
one more time.. just for you:
when the 'caged car is crashed, the cage (can) spread the energy of the collision around the chassis resulting in more damage, therefore increased repair costs to the insurer, not to mention PI claims from body parts connecting with the cage.
skyinsurance
Member +
skyinsurance
Member +
With respect, your question is daft and doesn't need an answer?
You asked why roll cages add money to people's premiums. I answered that, as did others on this thread.
the main reasons are (to clarify)
1) People with roll cages are likely to push their car that little bit further, therefore 'caged cars are crashed more often, therefore there are more claims from 'caged cars than non 'caged cars.
Does that makes sense?
2) Having a crash in a 'caged can result in more damage to the vehicle than in a non 'caged car, the reason being is that the cage can distribute the energy of the crash around the chassis therefore the car with the cage is more likely to be written off/the cost of repair may be higher than a non 'caged car
Does that makes sense?
3) Personal injury claims from 'caged cars are much higher than from non caged cars due to body parts connecting with unpadded areas of the 'cage.
Does that makes sense?
Have I answered your question?
As I say, you dont have to believe me.. I am confident of my answers because I have done some investigations around the subject and have gathered information from our various specialist underwriters. It is a question which coems up on a fairly regular basis.
If you feel you are more qualified to comment then please let's read your views on the subject, I'll look at replying when I can.
danb87
South East England Area Rep
i know exatcly what your saying, i was told this by a mate who does body shop repairs etc
Rob H
Member +
I have seen this many times with doing off road racing it dont matter how much you strengthen the chassis where the cage mounts and this is on a real chassis not a tin floor pan at speed the chassis all ways suffers! and with fitting a cage to a road car there is never places for them to mount to that would be any stronger than the body its self. Race cars have a lot more strength in them than any sort of road car and how many race teams would want to put a car on a jig after a crash??
Push here > |----| < this will move
skyinsurance
Member +
Ollie,
Would the snow tyres fitted in the winter reduce the premiums?
We don't have to do it by law in this country, but I always do and never regret about it as they do an awesome job with traction and braking in wet/snow conditions!
I'd say the chance of having a crash would be reduced by about 5 times - that would be the difference in stopping distance between snow tyres and summer tyres in real bad snow conditions -)
Would the snow tyres fitted in the winter reduce the premiums?
We don't have to do it by law in this country, but I always do and never regret about it as they do an awesome job with traction and braking in wet/snow conditions!
I'd say the chance of having a crash would be reduced by about 5 times - that would be the difference in stopping distance between snow tyres and summer tyres in real bad snow conditions -)