Hi all,
Would really appreciate some advice on how to approach this.
Basically, I recently renewed my car insurance with the same company as before (Elephant Insurance) - never had any issues with them in my first year driving and the price was decent (over £800 less than last year even with increased mileage and an extra driver).
The policy renewed on 15th February but today I received an email saying:
"A check of your policy details against our system records has highlighted a discrepancy in the details you gave us. The information differs to that recorded on another quote with us or another company within the same group. We have included the omitted vehicle modifications. See the Motor Proposal Confirmation Form. Please note extra condition 11 of your policy applies in respect of non-standard parts replacement. This means a balance of £304.54 is due, which we will be debit from the card details we hold on file"
Now, I remember a while back when I was searching for quotes for this year's insurance, I did include a remap/chip in the modifications section but this was only to see how much of a difference it would make to the insurance premium - it was more of a curiosity thing as I know a few who've had such work done. My car is still completely standard and absolutely no modifications have been done!
I have emailed them explaining the situation but have yet to receive a reply. I haven't had a chance to ring them yet but can anyone offer any advice on how to approach it with them? Can they really take my money for modifications that hasn't even been done?! How would I prove that my car is still running at its standard output (~75BHP)?
Many thanks,