24-01-2013, 11:16 AM
Admiral group are usually cheapest tbh (with elephant being overall cheapest, they don't waste money on TV ads!). Even with a few mods.....BUT there are certain things they won't cover.....intercooler changes for a start, and anything over 25% remap (although without RR results, how are they gonna know if it's only a 10% map?).
I'll be honest, I had some insurance...umm....issues...with a previous car, and I worried constantly about getting pulled over etc, so I didn't really tell anyone what I'd done to it and didn't really enjoy it because I was always worrying it. It was insured, and some mods were insured that I hadn't even done....so it kinda evened out lol!
But yeah, I was 'lucky' I never got pulled in it (although it spent more time in parts on the drive than on the road anyway lol) but it's just not worth the hassle imo. Thats mainly why I'm just buying a better/faster car to start with this time as it saves the cost and hassle of mods and insurance and stuff, the estate costs a fair bit to insure after adding mods...it's cheaper for me to just buy something better, but I wish I'd realised that years ago!! I will add that the HDi is properly insured with ALL mods declared. 
I'll be honest, I had some insurance...umm....issues...with a previous car, and I worried constantly about getting pulled over etc, so I didn't really tell anyone what I'd done to it and didn't really enjoy it because I was always worrying it. It was insured, and some mods were insured that I hadn't even done....so it kinda evened out lol!
But yeah, I was 'lucky' I never got pulled in it (although it spent more time in parts on the drive than on the road anyway lol) but it's just not worth the hassle imo. Thats mainly why I'm just buying a better/faster car to start with this time as it saves the cost and hassle of mods and insurance and stuff, the estate costs a fair bit to insure after adding mods...it's cheaper for me to just buy something better, but I wish I'd realised that years ago!! I will add that the HDi is properly insured with ALL mods declared.