Paying insurance for 16v Punto when it's only 8v

andy winter

Hi, I recently purchased a Punto 1.2 model, when I went to insure it with axa they said it is a sports 16v version, I said nope plain old standard model, she said that she can't change it on system as that's what it's registered as! No choice but to insure it as 16v Sport model !! :mad::(

Any advice as to how to rectify this??

Anan1

HAve someone else in AXA change it?

andy winter

Anan1 wrote: »

HAve someone else in AXA change it?

Tried that, just gave me the same old ''we can not change it here on our system'' blah blah

Would the Motor Tax Office help?

Anan1

What system is it registered as a 16v on? Is it down as a 16v on the VLC or just on the AXA database? Are you sure it isn't actually a 16v engine? Or might it have had a 16v engine in the past? Finally, does it make any difference to the quote?

biko

Perhaps there's a comment section "in the system" they can add that you called in about this so there's no problem later if you need to claim.

L1011

It most likely either has been re-engined at some stage (the 8V's die; often; so it could have had a 16V put in and the VLC changed) or there was an error on day 1.

Whats the insurance price difference anyway? It won't be nothing but it shouldn't be much, we're talking about 15bhp in an old, very cheap car.

andy winter

Anan1 wrote: »

What system is it registered as a 16v on? Is it down as a 16v on the VLC or just on the AXA database? Are you sure it isn't actually a 16v engine? Or might it have had a 16v engine in the past? Finally, does it make any difference to the quote?

I think it's registered on VLC as ELX model punto.

Yes my insurance is higher.

No it's not a 16V engine, I asked the guy who sold me the car was it ever a 16v but he said no.

Mr Benevolent

Just checked online for a quote for myself, no difference in price between a 16V Sport and 8V non-Sport.

L1011

1.2 ELX 16v is 85hp with a significantly higher internal spec compared to 1.2 8v being 60hp so that would have some impact

again - what is written on the VLC?

andy winter

Confab wrote: »

Just checked online for a quote for myself, no difference in price between a 16V Sport and 8V non-Sport.

with Axa??

Mr Benevolent

andy winter wrote: »

with Axa??

No, with Bestquote.

andy winter

A friend suggested to wait until I get the log book in the post and then go too motor tax office to get it rectified, not sure if that would sort it

andy winter

LIGHTNING wrote: »

It very easy to tell if its a 8v or 16v engine, I have the 8v and I was going to upgrade to a sporting model. I wouldnt let them lump you into a higher bracket just because they "cant" change it. Wouldnt your insurance be invalid as they have you down in a different model? If you had modified your car to have more bhp didnt tell them and you crashed they would have a hissy fit.

Defo NOT a 16v, no alloys, spoiler, etc...

andy winter

LIGHTNING wrote: »

I`d shop around I wouldnt pay extra for something I didnt have!

Getting on the phone now to AXA, I had to get it insured asap but your'e right, why pay over the odds for something I don't have!!
:eek:

Eoin

LIGHTNING wrote: »

Wouldnt your insurance be invalid as they have you down in a different model? If you had modified your car to have more bhp didnt tell them and you crashed they would have a hissy fit.

I doubt your insurance would be invalid, but I would still be inclined to write into them stating the exact spec once it's confirmed. Similar happened to me (had me in a 523 not a 525), so I covered my ass and wrote into them stating the exact model.

andy winter

eoin wrote: »

I doubt your insurance would be invalid, but I would still be inclined to write into them stating the exact spec once it's confirmed. Similar happened to me (had me in a 523 not a 525), so I covered my ass and wrote into them stating the exact model.

Good advice, probably would not hurt to send in some pics of engine and body etc... :rolleyes:

andy winter

Just got log book in the post for my OO punto,

It states that the model is ;

(D.2) FIAT PUNTO 1.2 ELX (model/version) :mad:

(J.5) 1242 CC (basis of assesment for road tax)

(P.1) 1242 (engine capacity)

EPM

andy winter wrote: »

Defo NOT a 16v, no alloys, spoiler, etc...

This is your answer...

MYOB wrote: »

1.2 ELX 16v is 85hp with a significantly higher internal spec compared to 1.2 8v being 60hp so that would have some impact

again - what is written on the VLC?

The Sporting wasn't the only model to come with the 16 valve engine

Eoin

I would get the VIN and ring FIAT Ireland and see if they can tell you - unless someone here can tell you a way to tell for sure.

colm_mcm

MYOB wrote: »

1.2 ELX 16v is 85hp with a significantly higher internal spec compared to 1.2 8v being 60hp so that would have some impact

again - what is written on the VLC?

ELX 16v wasn't ever sold in Ireland. only the HLX 5dr and Sporting 3dr got the 1.2 16v engines.

ELX 16v available in the UK alright.

The 8 valve ELX models have ELX badge on the boot, 16v models have ELX with 16v written underneath.

TestTransmission

my broker put my car down as an Octavia Elegance by accident.
I rectified this with them over the phone and confirmed I was insured on an Octavia vRS,only cost me an extra tenner for the year policy.

L1011

colm_mcm wrote: »

ELX 16v wasn't ever sold in Ireland. only the HLX 5dr and Sporting 3dr got the 1.2 16v engines.

ELX 16v available in the UK alright.

The 8 valve ELX models have ELX badge on the boot, 16v models have ELX with 16v written underneath.

Could be an import, in theory. Likelyhood is low though!

andy winter

Uploaded pics

andy winter

more pics added

ShiresV2

LIGHTNING wrote: »

Thats the 8v FIRE engine alright, the exact same one thats in my girl.

Just to confirm, based on the pic it's definitely an 8v.

colm_mcm

yep, deffo an 8v. the 16v has a proper airbox instead of a saucepan on top of the engine!

The logbook would have 16v on the description if it was one. it's the insurance company's mistake.

alias no.9

What year is the car, not 1999 by any chance? The facelifted MkI Punto ELX came with a 1242 16v engine. The MkII ELX came with a 1242 8v engine. The changeover happened in late 1999. Could this be the cause of the confusion, different generations of the same model.

Edit: sorry, typo, the MkII came with the 8v.

andy winter

alias no.9 wrote: »

What year is the car, not 1999 by any chance? The facelifted MkI Punto ELX came with a 1242 16v engine. The MkII ELX came with a 1242 16v engine. The changeover happened in late 1999. Could this be the cause of the confusion, different generations of the same model.

on log book;

(B2) 2000 year of manufacture

(B1) 10-Jul-2000 Date of first licensing in ireland