In anticipation of picking up our M3 in March, I’m wondering whether anyone has had experience surrounding making a claim for a total loss/theft where FSD has been paid for?
We’ve obtained our insurance through Admiral. They state any modifications from standard spec need to be declared in order to be covered in case of a payout (As opposed to other insurance companies I have used in the past, who aren’t interested in any factory fitted optional extras). Admiral amended our policy to add the tow bar, however apparently the FSD isn’t something they class as a modification. I did provide the full cost of the car, including FSD, as the value when I took out the insurance.
So I’m wondering whether anyone has had to make a claim and what the result was? We’re paying £6800 for what is essentially a software unlock, however it’s a lot of money to lose if we write off the car after a few months, if Admiral were to challenge this (we have kept the transcript of the conversation with them where we’ve made them aware of the tow bar and FSD options). I know this has been raised with Elon, who has acknowledged the issue on Twitter. Just wondering if anyone had any experience?
We’ve obtained our insurance through Admiral. They state any modifications from standard spec need to be declared in order to be covered in case of a payout (As opposed to other insurance companies I have used in the past, who aren’t interested in any factory fitted optional extras). Admiral amended our policy to add the tow bar, however apparently the FSD isn’t something they class as a modification. I did provide the full cost of the car, including FSD, as the value when I took out the insurance.
So I’m wondering whether anyone has had to make a claim and what the result was? We’re paying £6800 for what is essentially a software unlock, however it’s a lot of money to lose if we write off the car after a few months, if Admiral were to challenge this (we have kept the transcript of the conversation with them where we’ve made them aware of the tow bar and FSD options). I know this has been raised with Elon, who has acknowledged the issue on Twitter. Just wondering if anyone had any experience?
