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car insurance with go skippy

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hey, was just wondering, has anyone here got car insurance with go Skippy? If so, does ur car have tints? as I was told that I'm not allowed them on my car as that's the go Skippy policy. News to me a… Read More
superstarYD7 Avatar
2y, 4m agoPosted 2 years, 4 months ago
hey, was just wondering, has anyone here got car insurance with go Skippy? If so, does ur car have tints? as I was told that I'm not allowed them on my car as that's the go Skippy policy. News to me as I hadn't be informed of this before I joined up with them

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superstarYD7 Avatar
2y, 4m agoPosted 2 years, 4 months ago
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#1
Heavily tinted windows are illegal - your insurance would be invalid anyway -no matter who insures you, comes under any non standard modifications question . :(


Edited By: rogparki on Dec 16, 2014 20:39
#2
front windows haven't been done. rear windows have been. also, rear windows can be as dark as u want, as that's legal. but my insurance are saying that they don't let any sort of tints to be done on a car as that is a sign of a car being more venerable to be broken into. that was their excuse....
#3
Did you declare it as modified with window tints when you got the original quote?
#4
vulnerable
#5
they asked me if it was modified and I said no, when doing my quote and signing up to them.
#6
but a few months into insurance, I called them to ask them and they said no I'm not allowed. I've never heard that u aren't allowed tints before. half the world has them lol
#7
superstarYD7
but a few months into insurance, I called them to ask them and they said no I'm not allowed. I've never heard that u aren't allowed tints before. half the world has them lol

If they are factory fit options then they are fine, they are not a modification. The tints the insurer refers to are fit privately. If you have had such tints and you said you had no modifications you lied. If you were you have an accident your insurance can be made void.

To recap, if factory fit tints you're ok. If done privately, you either need to change insurance and declare tints and pay extra or get them removed. They can be quite easily removed by heating with a heat gun or hairdryer to soften the glue.
#8
I didn't lie as at the time no tints were done. even now, I don't have tints but I wanted to get them done, but was told that I can't. which I find bizarre as tints r legal within reason. I only wanted to get the rear windows done. I don't mind making a bit more premium, but the insurers r saying that I can't have them. that's why I turned around and said that y didn't u tell me this before I signed up with u guys, in which they didn't have an answer to
#9
superstarYD7
I didn't lie as at the time no tints were done. even now, I don't have tints but I wanted to get them done, but was told that I can't. which I find bizarre as tints r legal within reason. I only wanted to get the rear windows done. I don't mind making a bit more premium, but the insurers r saying that I can't have them. that's why I turned around and said that y didn't u tell me this before I signed up with u guys, in which they didn't have an answer to

Ah right, that explains it. Your insurance was made on the basis that you had no modifications. The policy wording will say this. Did you expect them to tell you every single modification that would not be allowed?

Insurance is based on risk, they find your too high a risk with tints done. You can easily cancel your insurance and do with another company, they have no obligation to insure you.
#10
Its their job to tell me what modifications that aren't allowed. especially after me telling them that there's no modifications are done, they could easily of just said we don't do some modifications and then I could of simply asked about tints and they could of given me an answer there and then. also, many ppl haven't heard of insurance companies not allowing tints to be done as tints is very minor and doesn't really add value to a car etc
#11
superstarYD7
Its their job to tell me what modifications that aren't allowed. especially after me telling them that there's no modifications are done, they could easily of just said we don't do some modifications and then I could of simply asked about tints and they could of given me an answer there and then. also, many ppl haven't heard of insurance companies not allowing tints to be done as tints is very minor and doesn't really add value to a car etc


I'd bet they increase accident risk though
#12
superstarYD7
Its their job to tell me what modifications that aren't allowed. especially after me telling them that there's no modifications are done, they could easily of just said we don't do some modifications and then I could of simply asked about tints and they could of given me an answer there and then. also, many ppl haven't heard of insurance companies not allowing tints to be done as tints is very minor and doesn't really add value to a car etc

Its not about adding value. Chavvy tints or a crap aftermarket cd player do not add value but they definitely increase risk.

You've not read the fine print of the insurance policy, your fault, not theirs.
#13
Most insurance comparison sites have a question "is there any modifications". A modification can be anything that is not a standard fitment on the vehicleHeres a rough guide as you can seewindow tints dont add much to a premium but you need to declare them. Even putting alloys on is a mod.
#14
As i hear it GoSkippy are well know for being very picky and canceling policy's over the slightest discrepancy, They then keep all your money! Just look at some of the reviews here Best avoided i would say. To be safe go with someone reputable you'v heard of like Direct Line or the AA.
#15
doesn't say in their small print, that tints r not allowed. so they are obviously making up their own rules here, in which they can't as its not written anywhere. also, thanks to the other guys who have helped with their links. appreciate the help
#16
+1 to avoid go skippy at all cost absolutely shocking robbing company.
#17
wozkeo
+1 to avoid go skippy at all cost absolutely shocking robbing company.
wish I knew this before I went with them :-(
#18
Basically, Skippy claim that if u want modifications after ur policy has started, then u can cancel ur current policy, take out a new 12 month policy with the add ons...BUT u still have to pay off the remaining months of the previous policy. just to let u guys know, double check in future regarding any modifications, so u don't have the issues that I've had.

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