Question about BoxyMo Insurance

AilishNi

I have just taken out an insurance policy with BoxyMo and have read that you cannot in any way modify your car. Otherwise they would up my premium. Would adding a cd player be classed as "modifying" your car?

Has anyone here had any dealings with BoxyMo? If so, I'm a bit confused over the Direct Debit Mandate form, I was reading through it and it's talking about me paying 1700 quid in total when I was quoted €855 (I have documentation saying that it's €855) - starting to freak out a little here.

I'm ringing them in the morning, but I just wanted to see if anyone on here has/had a policy with them.

Thanks

pa990

Generally you're fine. Unless you have to claim.

Whatever they tell you, get it in writing.
If your cd player causes a fire due to faulty wiring, they might run a mile from you.

Remember. . GET IT IN WRITING

djimi

Changing the radio isnt usually considered to be a modification for insurance purposes, but if in doubt ring them and ask them.

I have heard recently of an insurer (Aviva I think) who was charging massively for paying by direct debit; to the tune of more than twice the premium I think it was. Normally it costs a bit extra (8-10% or something like that) to pay monthly, but BoxyMo might be up to something with their policies. Best ring them and ask.

AilishNi

I've re-read the mandate and what is really pissing me off is that you don't know any of this information until you have paid a 240 quid deposit and already agreed on the insurance.

I had to go though every car insurance agency in the country looking for an affordable deal and BoxyMo was the only one where I could get the insurance for under a grand.

Someone told me that Axa do a very reasonable young drivers insurance and when I got a quote off them on the phone they said it would amount to €5,495! Chill insurance gave me a quote of €3,456. I don't know how people are paying this kind of money - especially for a young driver. :S

My car is only worth 1300 and it's an aul banger. If it was a monster of a car, I'd understand, but paying more than your car is worth in insurance is a complete joke!

Kopparberg Strawberry and Lime

AilishNi wrote: »

I've re-read the mandate and what is really pissing me off is that you don't know any of this information until you have paid a 240 quid deposit and already agreed on the insurance.

I had to go though every car insurance agency in the country looking for an affordable deal and BoxyMo was the only one where I could get the insurance for under a grand.

Someone told me that Axa do a very reasonable young drivers insurance and when I got a quote off them on the phone they said it would amount to €5,495! Chill insurance gave me a quote of €3,456. I don't know how people are paying this kind of money - especially for a young driver. :S

My car is only worth 1300 and it's an aul banger. If it was a monster of a car, I'd understand, but paying more than your car is worth in insurance is a complete joke!

Cancel it and get a refund ? once withing 14 days its not an issue at all

oldyouth

djimi wrote: »

I have heard recently of an insurer (Aviva I think) who was charging massively for paying by direct debit; to the tune of more than twice the premium I think it was. Normally it costs a bit extra (8-10% or something like that) .

Yes, it is Aviva all right. However, they don't call it a direct debit charge, it's a totally different premium if you want to pay in instalments :rolleyes: Their explanation is the extra admin charges to process the paperwork, chase defaults and invoke cancellations.

Smart arse way of saying pay us in full or we'll fleece you.

AilishNi

Kopparberg Strawberry and Lime wrote: »

Cancel it and get a refund ? once withing 14 days its not an issue at all

If I get the runaround from them, then I will be cancelling the policy.

AilishNi

oldyouth wrote: »

Yes, it is Aviva all right. However, they don't call it a direct debit charge, it's a totally different premium if you want to pay in instalments :rolleyes: Their explanation is the extra admin charges to process the paperwork, chase defaults and invoke cancellations.

Smart arse way of saying pay us in full or we'll fleece you.

Exactly! The government does nothing to regulate these insurance companies from charging you an arm and a leg. Then again, that's their forte in this country.

Amakadamus

AilishNi wrote: »

I have just taken out an insurance policy with BoxyMo and have read that you cannot in any way modify your car. Otherwise they would up my premium. Would adding a cd player be classed as "modifying" your car?

Has anyone here had any dealings with BoxyMo? If so, I'm a bit confused over the Direct Debit Mandate form, I was reading through it and it's talking about me paying 1700 quid in total when I was quoted €855 (I have documentation saying that it's €855) - starting to freak out a little here.

I'm ringing them in the morning, but I just wanted to see if anyone on here has/had a policy with them.

Thanks

I just got the telematics box installed this morning. What I read a couple of times was if you had window tint stuck on your back windows they'd take a picture of the car and claim it was modified and just keep the 3 month deposit so I had to peel and scrape and clean the windows. What I can't figure out is how much the *top up* miles are.

AilishNi

Amakadamus wrote: »

I just got the telematics box installed this morning. What I read a couple of times was if you had window tint stuck on your back windows they'd take a picture of the car and claim it was modified and just keep the 3 month deposit so I had to peel and scrape and clean the windows. What I can't figure out is how much the *top up* miles are.

I emailed them and asked if adding a new radio was a modification and they said no. They said stuff like tinted windows, spoilers etc.. would be considered modifications. I'm getting the telematics box fitted in about 2 weeks time. My car, thankfully is not modified. I'd say it was a pain scraping that stuff off the windows though!

oldyouth

AilishNi wrote: »

The government does nothing to regulate these insurance companies from charging you an arm and a leg. .

Why should they?. If you don't like the quote, move on to the next insurer

Pov06

Are aftermarket alloys considered a modification?

AilishNi

Pov06 wrote: »

Are aftermarket alloys considered a modification?

This is what Boxymo's policy states:

"You must tell us immediately about any changes which affect this policy and which have occurred since the period of
insurance commenced or since the last renewal date including, but not limited to, the following:

The car is changed or modified from the manufacturer’s standard specification or you intend to change or modify it
(including the addition of optional fit accessories such as spoilers, skirts, alloy wheels etc.)."

Yes it would be a modification, so you'd have to notify them about it.

Pov06

http://puu.sh/aLQHD/4dce89d2d0.png

Apparently if the alloys are a standard size for the car they are fine. So as long as they're not 18 inch yokes when the car should have 15 inch wheels then they are fine.

AilishNi

Pov06 wrote: »

Apparently if the alloys are a standard size for the car they are fine. So as long as they're not 18 inch yokes when the car should have 15 inch wheels then they are fine.

Oh well then, that's grand

Mycroft H

Hows the box work? GPS accelerometers? Or is it reading data from an OBDII?

JC01

Each company is different when it comes to the whole modifications thing. As much as it pains me to say anything positive about liberty they proved to be very fair with them in the past

Pov06

Mycroft H wrote: »

Hows the box work? GPS accelerometers? Or is it reading data from an OBDII?

I think it uses both - OBD and GPS

Mycroft H

Pov06 wrote: »

I think it uses both - OBD and GPS

And what about cars without an OBDII socket?

Pov06

Mycroft H wrote: »

And what about cars without an OBDII socket?

I don't think they insure cars without OBD sockets. When you are getting a quote cars that don't have them don't show up on the system.

Eric Cartman

Mycroft H wrote: »

And what about cars without an OBDII socket?

Any car after 2001 afaik has OBDII , mid to late 90s cars should mostly have OBDI and the insurer may decide to decline insurance on cars over 13 years old that dont have diagnostics.