lancer gsr insurance class

SimonF

I 'm looking at buying an 97 Lancer GSR and am just wondering how they're classed by the insurance company?
A lot of the cars I've seen when you put the reg into an insurance quote it comes up as a lancer gti rather than a gsr 1.8 turbo, many ads for this car advertise as been able to get cheap insurance as well due to it being registered as a gti.

Most of the insurace sites don't have the gsr on their list apart from Quinn Direct who have a CM5a lancer which is the car code.

What I'm wondering is has anyone had a problem with insurace on this car and had a claim denied due to it being registered wrong?

It's always best to declare the car for what it is as not to give them any excuse.

Cheers.

bongi69

I've experience with car insurance for a major broker:

In some cases where the exact car model is not on the insurers system, we were instructed to rate it with as close a model as possible.

For example, Mr. Jones wants to go on cover with a 1.4 Golf comfortline. The exact car is not on the system, so it gets rated as a 1.4 Golf E. The rating code is exactly the same, even though the comfortline is quite higher spec, but same engine and chassis. The estate version would also be the same group.

Now the above is an extreme example, as a comfortline spec golf would be present on all insurers systems, but it is one the many that I can think of that the grouping codes are exactly the same for 2 different specs of the same car. Most insurers are happy with the make, model, engine size, and value. In my experience I've never seen a claim denied because the exact car model was not noted (as in my Golf example above)

This particularly happens with rarer models/specs or imports of a model/spec not typically sold here. Insurers generally look at make, model, engine size, and to a lesser extent claims history on that model and cost of repairs to assign the vehicle to a group, and not necessarily the different spec levels. Hence why a 1.4 Golf could be in a lower group, than say a 1.4 Jap import. Now again, there can be exceptions to this rule, though I can't think of any off hand, and they would be few and far between.

I will stress however this is my own experience, and not every insurer does things the same way. The best thing to do is ring your chosen insurer to get a quote, rather than doing it online, to get the most accurate details recorded.

SimonF wrote: »

It's always best to declare the car for what it is as not to give them any excuse.

TBH from my own experience in ringing for quotes for my own car, and in the course of my job, most sales agents seem to be satisfied with the make and general model, i.e. VW Golf, without going into specifics. If it came to it, this could be taken as the insurer accepting the car, and they wouldn't have any ground to deny a claim. Now if you actually have a 2.0, and you told them you have a 1.4, obviously thats misrepresentation, and they can cancel your cover from the start date, and deny claims.

Hope this helps

Guy:Incognito

bongi69 wrote: »

In some cases where the exact car model is not on the insurers system, we were instructed to rate it with as close a model as possible.

How does this work with claims etc though.

ie. I bought a 97 Renault Safrane a couple of years ago. It was a 2.5 petrol auto with 170bhp. The woman I was talkign too when I was getting insured said it wasnt on her system so she took the 2.5 diesel and just changed the fuel to petrol. The diesel only had 115 bhp. Could that not have been an issue for me had I had a bid claim and they investigated?

bongi69

Stekelly wrote: »

How does this work with claims etc though.

ie. I bought a 97 Renault Safrane a couple of years ago. It was a 2.5 petrol auto with 170bhp. The woman I was talkign too when I was getting insured said it wasnt on her system so she took the 2.5 diesel and just changed the fuel to petrol. The diesel only had 115 bhp. Could that not have been an issue for me had I had a bid claim and they investigated?

She would have done that as an employee/agent of the insurer, so if she said thats ok, then legally, its ok

If it did come to it, you entered into a verbal contract so they would have to honour any claims. It wouldn't be too hard to prove either, as all calls are generally recorded and stored, and can be listened to almost instantly. And if she was doing her job right it'd also be noted on the policy.

If it turns out they incorrectly rated the car at their end, then their fully within their rights to rate the car correctly at your next renewal.

In other words, you're ok :cool:

SimonF

do insurance companies class cars themselves?
Quinn have the car listed properly as a Import (CM5A) and when you select this it won't quote online. Where as brokers e.g. 123.ie, insure.ie don't have this and quote it as a 1.8gti and insurance is very cheap.

Also I've moticed this new thing where you can put in the reg of the vehicle and they get the info themselves, do they get this info from the registration cert? For most GSR's all the companies get the details as a gti which gives cheap insurance.

bongi69

SimonF wrote: »

do insurance companies class cars themselves?
Quinn have the car listed properly as a Import (CM5A) and when you select this it won't quote online. Where as brokers e.g. 123.ie, insure.ie don't have this and quote it as a 1.8gti and insurance is very cheap.

Also I've moticed this new thing where you can put in the reg of the vehicle and they get the info themselves, do they get this info from the registration cert? For most GSR's all the companies get the details as a gti which gives cheap insurance.

I wouldn't be to certain about where the info from typing in your reg comes from tbh. I'd reckon a similar system to the likes of Cartell.ie, where you can get the car's basics for free by typing in the reg.

Most insurance companies though aren't Irish owned, so would get their info from their UK offices/head offices, the likes of Zurich, Aviva etc. Again, I wouldn't know the exact details of how rating information is shared.

As I said above, you're best off getting a quote over the phone. At least then there'll be no ambiguity, and you won't be second guessing yourself.

msg11

Just wanted to jump in on this thread for a moment.

Insure.ie list the GSR as the GTI, is the GTI the same to the insurance company as the GSR? Meaning if you where ask to produce your Insurance Cert. And the Garda noted down it as a GSR, and you produce a Cert for a 1.8 GTI surely this would have alarm bells ringing for the Garda and in turn the Insurance Company? Then your policy been cancelled for false information?

A quick search on google, shows the Gen1 Lancer/Mirage GTI, the same as the 92-95 Gen 1 Lancer GSR. Is it a case of market difference? Is there a Gen 2 96-00 GTI again with market differences? As in Japan it is called the GSR, in Europe it is the GTI ?

CoDy1

The vehicle make and model isn't on an insurance cert or disc. Just the registration number.