JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
roughly what percentage increase are you likely to expect on your insurance sum when modifying it! i know this is hard to tell but just a rough estimate!
mods would be wheels, exhaust system, lights all round, air filter, lowered, tints, colour coded, 4-2-1 manifold! say the quote sum was £650 as standard what would it be when all this has been done?
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
Could be anything to be honest - depends on the insurance company.
Mainstream insurance companies will cost more than say Adrian Flux or Brentacre. Being a CorsaSport premium member you also get discount with Adrian Flux 
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
well who are all you lot insured with and what are they like with mods?
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
I'm insured with Zurich but don't have any mods. Although I did ring up asking if a badgeless grill, smoked headlights and smoked side repeaters would make a difference to the premium, the said no. They said if you had an accident and wanted them replacing, they'll need to be declared. If they aren't declared, it'll be rebuilt to manufacturer standard.
A lot of people are insured with Adrian Flux and Brentacre like I mentioned
[Edited on 24-01-2007 by deano87]
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
so its optional to declare your mods then, i thought you had to in order to make your insurance valid! otherwise if you crashed and they werent declared you wouldnt be able to claim!
|
Dean B
Member
Registered: 23rd Aug 06
Location: Lincolnshire
User status: Offline
|
quote:
Originally posted by JayT
so its optional to declare your mods then, i thought you had to in order to make your insurance valid! otherwise if you crashed and they werent declared you wouldnt be able to claim!
You HAVE to declare performance modifications.
|
Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
|
You HAVE to declare ALL modifications actually.
I was insured with Tesco, they were fine, charged something like £10 per mod, then £200 for the engine change.
Then for the Nova, I didn't have to pay extra for anything 
This Corsa, I've had to pay £20 extra for everything.
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
robin so glad to hear that, im planning to go with tesco actaully mate, they good for declaring modifications then? oh and anyone know if AA or Kwickfit allow mods?
|
Dean B
Member
Registered: 23rd Aug 06
Location: Lincolnshire
User status: Offline
|
I'm with NFU, and all they want to know about is engine modifications. Anything that improves the cars performance. At the end of the day, if you hit someone, and you car is 'tunned' they will rape you. However if you have a de-badged grill there hardly going to point the finger at that.
|
Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
|
quote:
Originally posted by Robin
I was insured with Tesco, they were fine, charged something like £10 per mod, then £200 for the engine change.
They wanted £110 for an air filter from me 
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
marc, you sure about that mate! suppose depens what your policy is, i.e. age, claims, conviction, fully comp etc if you get me!
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
come on, theres loads of people on here that have modded 1.6's and you all must be insured with somobody, i just want to know you im best going with as i dont want to be paying loads more everytime i put a modification on it!
|
Poot
Member
Registered: 30th Jan 05
Location: Wales/midlands drives: 1.6 16v
User status: Offline
|
Im with hyperformance (through insureyourmotor.com or something) they didnt charge me any extra for my mods, just required a letter from an independant engineer or a garage saying there was sufficient clearance, and that the car was roadworthy.
I intend to stick the 1.6 lump back in in the summer, when my policy is due for renewal, probs go as named driver on my parents policy then for a while
|
davey_jack
Member
Registered: 28th Jan 06
Location: Horley, Surrey Drives: Clio 182
User status: Offline
|
quote:
Originally posted by JayT
i dont want to be paying loads more everytime i put a modification on it!
Id forget it tbh mate, modding your car is an excuse for insurance companies to rob you! They are complete tossers when it comes to modding cars, my mate pays an additional 100 pounds on his premium after declaring his induction kit on his 1.2 16v clio, absolute joke!
|
Wrighty_1988
Member
Registered: 30th Jun 06
Location: South Yorkshire
User status: Offline
|
Im with Quinn-Direct i declared my lowered suspension and backbox the other day got a letter through the post with new amoounts to be paid and it didnt chage at all
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
im realy stuck as who to go with tbh, surely someone on here knows of a good company!
|
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
|
quote:
Originally posted by Robin
You HAVE to declare ALL modifications actually.
I think it is the insurance companies discretion - like I said, Zurich only wanted it declared if I wanted it replaced. Chances of me having a crash where I actually need to claim for the cost of the repair, my car will be a write off anyway. Plus the stupid young drivers excess.
|
Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
|
Jay, try this link. It searches through a lot of companies and will give you an idea on price. Once you've found a cheap one ring them up and see about mods.
http://www.moneysupermarket.com/motor/
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
dean_w thats what ive been going on, had a few good quotes actually from the likes of quinn direct, AA and Kwick Fit!
|
Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
|
All I did was used that for a price and then called them about the mods. Some were reasonable, some weren't.
I have a claim on my insurance (10K) and have a mildly tuned 1.6. Highway is the cheapest i've found.
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
what cheapest overall as in for mods?
|
Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
|
Cheapest as in cheapest full stop. For me anyway.
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
kool, what mods have you got declared?
|
Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
|
A few: -
Wheels
Suspension
Brakes
Exhaust manifold
Backbox
Mantzel
I haven't declared my head or cams because you can't see them. 
|
JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
|
lol kool, dont mean to sound cheeky mate but how much you paying and how old are you? no claims etc!
cheers
|
