How many Brits? Fancy a cuppa?

Non factory fit modifications in the 90's was not as much a big deal as it is nowadays, IMHO any assessor looking at a total loss on a recent model CX5 would be on the lookout for in insurance parlance 'Performance Enhancing' modifications as a reason to knock back a claim. Even moderately different spec tyres would be classed as Non OEM performance enhancing modification and could catch you out.

Imagine the shitstorm if you were responsible for a road fatality and found your insurance running for cover on a claim worth a million or two. Personally I wouldn't take the risk without dotting the i's and crossing the T's with my insurer first; but I guess each of us has our own level of risk that we wish to undertake.
 
jack526 said:
I'm with you on this one Perusal - and anybody else who thinks it's just not worth it to try and con Insurance Assessors. There is too much at stake to try and be a smarta***.
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Likewise.

Having spent years dealing with insurance companies, plus having a Daughter who is an insurance litigation officer I know first hand how they work.

Your insurers will have your interests at heart, and apportioning the blame elsewhere is what they specialise in.

If you are the innocent party in a collision, you ask your insurer to arbitrate on your behalf, what will be paramount will be whatever means there is available to get settlement out of another party or insurer. In other words your insurer has a duty to you their client to find a get-out for you (as well as themselves) and protect yours and their interest. That applies to the other persons insurer, they will be working for their client and against you and your insurer.

If someone hits you, your insurer will pursue the other party and if there is a likelihood of the third party's insurers paying, it will be down to them. So the "guilty" persons insurer would look at the damage to your car and assess if the estimated costs are genuine. So he/she (usually an already experienced mechanic) looks at your cherished motor that had been damaged by another (their client), then spots something that is non-factory standard. He/she makes notes of everything they see, and highlights any irregularities then back it goes to the loss adjusters. They ultimately reject the claim.

So you try to fight it, but you are on a back-foot from the start. You may still get your car fixed but could be a long drawn out affair and you may not come out of it very well. Plus you are marked for life.

Not worth the hassle.

Alex
 
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When ever I use an internet comparison site there is always a section that asks for modifications to be declared.

Its there for a reason. They is always a couple of lines saying along the lines of you could loose your cover if alterations are not declared.

Back in the days of the escort it was common and easy to replace the smaller engine with a 1.6 petrol, insurance assessor's were well aware of this and always checked under the bonnet, I was told that by an assessor.

When I uprated my Cortina from a 1200cc to a 1500cc (which was a flying machine) to get insurance cover I had to fit a servo and have a written statement from a motor engineer who carried out a brake and road worthy test.
 
Absolutely Alex. Slightly different I know but about 5 years ago my wife was sat in a stationary queue of traffic at a red traffic light when a car whose driver had been distracted ran into the back of her at about 20 mph. Unfortunately my wife did genuinely suffer from whiplash and litigation commenced between the insurance companies for compensation. Some of the stuff that the other company threw our way beggared belief including their insistence that my wife had contributed to the accident (we never found out on what grounds nor could we ever suss what she had done 'wrong' by being stationary is a queue of traffic). It got settled eventually but took over a year to reach a settlement.

As has been suggested I don't believe any insurance assessor looking at a 20K+ car would just give it a cursory glance. The assessors I have been aware of have always carried a boiler suit in the boot of their car. Fraud has become such a big part of the insurance industry in recent years that claims are now examined in far more detail than might have occurred in the past.

It just isn't worth the risk.
 
What is anybody paying at a main dealer for their 12 month / 12,500mile service and does it include rotating the wheels?
 
Perusal said:
Well Daveyboy, we are all entitled to our opinions. I found some of your early posts about expectations for your "fully loaded" new car and the fact it was to be a facelifted model highly amusing.

Me, I wouldn't take the risk but then I guess I'm a little older than you and been around a bit longer but hey, it's a free world and we are all entitled to our differing opinions so go with whatever you feel comfortable with.
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Not sure what's amusing. It is a facelifted model and it is fully loaded! Nothing funny about that unless you have a very weird sense of humour! A very weird sense of humour indeed.
 
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jack526 said:
What is anybody paying at a main dealer for their 12 month / 12,500mile service and does it include rotating the wheels?
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No idea on wheel rotation, I was under the impression they do that separately for free. Here is what my dealer told me by email recently re full service cost:

"Your first service on the CX-5 would normally cost 206"

Its worth noting that Mazda are currently offering your first 3 years servicing as a package for an upfront charge of 500. I went with that.
 
xtrailman said:
Did you actually get that at 500 for a CX-5?

I was offered one at a silly price well over 1000.

http://www.mazda.co.uk/buying-owning/maintaining/service-plans/
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This is my dealer's responses to questions about the service plans:

Mazda have at the moment an offer on for a 3 year service plan at 499 which is a 150 saving against a normal service plan. Or of course you can go on the monthly payment scheme but as you know that come out a lot more money, let me know if you wanted to set that up as well, you are not tied into us but would be nice if you popped up to Peterborough for a shop day whilst your car was being serviced.

And after I asked the difference between the pay monthly and the one off cost plans he came back with this:


There is no difference in the plans, just Mazda pushing offers, the 499 is payable upfront as a one off cost.
 
Servicing cost

Thanks for the information daveyhampton.
My dealer has just phoned back quoting "Mazda" figures for a 3 year service plan- I have ignored any pennies in the costs:
A CX5 diesel is 649 including VAT. I quoted the figure of 500, he said that was for a Mazda 2. He also quoted a figure of 499 for a CX5 petrol, but that excludes Vat, which would bring the total up to 599.
Any other recent quotes anywhere(uhm)
 
jack526 said:
Thanks for the information daveyhampton.
My dealer has just phoned back quoting "Mazda" figures for a 3 year service plan- I have ignored any pennies in the costs:
A CX5 diesel is 649 including VAT. I quoted the figure of 500, he said that was for a Mazda 2. He also quoted a figure of 499 for a CX5 petrol, but that excludes Vat, which would bring the total up to 599.
Any other recent quotes anywhere(uhm)
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Hi Jack, I will get some more info from my dealer for you and come back when I can.
 
Count yourselves lucky!

I just got the bill in for my wife's Mazda 2 service, oil & brake fluid changed, other usual stuff, 480!
 
Supplying my own oil and filter vospers charging 80+ vat for first service at 9156 miles thinking of sacking future main dealer services as going to work out expensive with oil reaching X.
Will pay to spend dealer service costs on oil and filters and doing myself at shorter mileage intervals love the CX5 but feel disappointed on EU forcing DPF Technology at who's expense
 
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