insurance and mods

[Piggy]

so...be honest...who claims all the mods??

And if so, whats the best company around for price?
Just wana be legit, and now I'm 25, I can afford to be!!

I used to have modders when I was 17/18/19 due to huge lists, but I grew up for a while, got married etc and had a sportsbike instead...
Now with the 2.1 plans etc, going to need to be legit.

thoughts...

[vlj]

I know a few people from school etc that have been caught out for not declaring, it's not worth the risk.. I felt pretty fearless not declaring a map on the HDi, that's about as far as I would go though!

[Piggy]

yeah me too...I rekon you may get away with stuff like a map or some brake mods on a cheaper car, but its just not worth it, so hence why i am searching...
I have found best quote so far for all the mods inc the engine change to be around the 500quid mark, fully comp.
Sounds good, but thats twice what I can get it without the mods!

[Slam Wagon]

I went with flux as all my mods are covered, was £200 more than elsewhere but if anything should happen i get stuff replace for new which would save me far more than £200.

[Poodle]

Youre always going to pay more for modded cars, admiral are surprisingly good for me, although my mods are pretty low-key atm.

[Parksy87]

Im with brentacre any cosmetic mods u do dont affect your policy even gti brakes lowering etc only when you mess with the bhp give them a shout

[Toms306]

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.

[Jake]

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 think admiral is best for when you first start driving but once you have been driving a couple years they nowhere near compare to flux/sky/brentacre ect.

Oh and elephant do have tv adverts Tom.

[ozonehostile]

22, everything declared under a grand with adrian flux

[Niall]

Admiral are very good for me with mods. I pay £900 a year fully comp with business cover for all drivers on my 6 at 21 with 3 points.

[bigcheez2k3]

I didn't declare all mine at first as it was just HDi brakes, cyclones and de-cat but once I lowered it I declared it all as knew I was less likely to get away with it.

Now I declare everything including the engine change.

EDIT: This is all with admiral. Roughly 1k for the Ph3, 21 with 3yrs NCB :/

[Toms306]

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 think admiral is best for when you first start driving but once you have been driving a couple years they nowhere near compare to flux/sky/brentacre ect.

Oh and elephant do have tv adverts Tom.

Hmm, I've been driving nearly 4 years and elephant are still cheapest for me...brent wanted £2800 for the Golf...I lol'd. Flux wouldn't cover me for at all. Never tried sky.

Fair enough, cant say Ive ever seen one, they obviously don't have many then, and not on prime time lol, admirals ads must cost loads.

The main issue with admiral/elephant is the customer service though, I'm sure anyone else with them will agree that it's terrible! You're on hold for a good 15 minutes then get through to some foreighner that doesn't understand you/cars/mods and you can barely understand them either. So you try the e-mail policy update instead and it takes them a week to get you a quote...but that quote isn't saved so when you go ahead with the change you have to go through it all again!

[4WayDiablo]

Im with brentacre any cosmetic mods u do dont affect your policy even gti brakes lowering etc only when you mess with the bhp give them a shout

+1 on this
Brentacre cover it but don't charge extra for cosmetics
And only a bhp limit for performance mods :-)

[bigcheez2k3]

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 think admiral is best for when you first start driving but once you have been driving a couple years they nowhere near compare to flux/sky/brentacre ect.

Oh and elephant do have tv adverts Tom.

Hmm, I've been driving nearly 4 years and elephant are still cheapest for me...brent wanted £2800 for the Golf...I lol'd. Flux wouldn't cover me for at all. Never tried sky.

Fair enough, cant say Ive ever seen one, they obviously don't have many then, and not on prime time lol, admirals ads must cost loads.

The main issue with admiral/elephant is the customer service though, I'm sure anyone else with them will agree that it's terrible! You're on hold for a good 15 minutes then get through to some foreighner that doesn't understand you/cars/mods and you can barely understand them either. So you try the e-mail policy update instead and it takes them a week to get you a quote...but that quote isn't saved so when you go ahead with the change you have to go through it all again!

I've changed the car on my policy 5 times since September, got a new policy in my mothers name and changed cars on that, and I've found their customer service to be fine. Had a couple foreigners but they weren't bad to understand, mostly been English people though.

The girls that answer are usually very nice

[Niall]

I think if you fit original pug parts, like for example cyclones to a bog standard DT, you can get away with it really seeing as they are original Peugeot parts. They will never question you over them and even if they do, you just say well its. 15 year old car, I don't know what they came with as standard.

[Toms306]

I think admiral is best for when you first start driving but once you have been driving a couple years they nowhere near compare to flux/sky/brentacre ect.

Oh and elephant do have tv adverts Tom.

Hmm, I've been driving nearly 4 years and elephant are still cheapest for me...brent wanted £2800 for the Golf...I lol'd. Flux wouldn't cover me for at all. Never tried sky.

Fair enough, cant say Ive ever seen one, they obviously don't have many then, and not on prime time lol, admirals ads must cost loads.

The main issue with admiral/elephant is the customer service though, I'm sure anyone else with them will agree that it's terrible! You're on hold for a good 15 minutes then get through to some foreighner that doesn't understand you/cars/mods and you can barely understand them either. So you try the e-mail policy update instead and it takes them a week to get you a quote...but that quote isn't saved so when you go ahead with the change you have to go through it all again!

I've changed the car on my policy 5 times since September, got a new policy in my mothers name and changed cars on that, and I've found their customer service to be fine. Had a couple foreigners but they weren't bad to understand, mostly been English people though.

The girls that answer are usually very nice

I've changed 6 times so far on this policy...

Must just be my bad luck then, I always get them!

[rickye]

19, Insured for bein lowered for around the 600 mark, nfu don't charge unless its a performance mod

[Toms306]

I think if you fit original pug parts, like for example cyclones to a bog standard DT, you can get away with it really seeing as they are original Peugeot parts. They will never question you over them and even if they do, you just say well its. 15 year old car, I don't know what they came with as standard.

Ignorance isn't an acceptable way to get around it apparently.........but no I never declared cyclones before (did this time as optional extra though), they're still peugeot wheels as you say, and only people like us would know meridians came with swallows and DTurbos came with harriers lol........

[Piggy]

good info all...
will try brentacre as not heard of them before...
Im 25 with 3yrs ncb, all mods inc the 2.1engine fully comp, 500quid aint bad I guess

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and thats business use too

[silverzx]

Somerset is getting quite bad in parts. There cracking down on "Modified cars".

VOSA recently seized a vehicle in Cheddar (mk 4 vagshit golf) for having aftermarket skirts, sub woofer, alloys and coil overs undeclared.

Though I personally have never seen a VOSA vehicle I don't doubt there around.

Morally you are obliged to declare mods as in not doing so your invalidating your insurance that could be a nuisance to other road users should you cause damage.

However there are other aspects to look at, where you live, how you drive, what roads you drive on, your age, income, car, modifications etc.

I personally don't see the point in declaring OEM alloys.

There's that saying too: if you can't afford to declare it, dont modify it.

[ArmzSC6]

All mods on my supercharged 6 are declared inc wheels brakes suspension tints supercharger kit injectors inter cooler exhaust etc etc. it's to modified not to declare as I couldn't just swap a few bits back over.

Am with Sky insurance, 26years old 6 years Ncb on a 4000 miles a year policy (no need for proof) £642 for the year. They have also mirrored my no claimed over and insured my hdi for £442 a year but no mods on that (worth declaring) only got Gti brakes instead of 266 mm and a chipni can remove in seconds. otherwise standard.
Both cars for under a grand cant complain at that.

[puglove]

DT & gti on a multi car policy. ALL mods declaired. Down to silly little things like bushes £1100. Now thats feckin cheap!

[Eeyore]

My 1.8 was £860 without mods and £920 fully comp with Admiral. Thats 60mm lowering, non standard manifold and uprated brakes.

Admiral wouldnt insure a hdi with FMIC and remap so I am now with adrian flux for £820 third party but with unlimited mods up to a certain hp!

[Piggy]

All mods on my supercharged 6 are declared inc wheels brakes suspension tints supercharger kit injectors inter cooler exhaust etc etc. it's to modified not to declare as I couldn't just swap a few bits back over.

Am with Sky insurance, 26years old 6 years Ncb on a 4000 miles a year policy (no need for proof) £642 for the year. They have also mirrored my no claimed over and insured my hdi for £442 a year but no mods on that (worth declaring) only got Gti brakes instead of 266 mm and a chipni can remove in seconds. otherwise standard.
Both cars for under a grand cant complain at that.

thats harsh on the sub...a lot of insurers dont care about ICE anymore

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skyinsurance...

just quoted me fully comp, all mods, cheaper than direct line can do without the mods! WINNING!

ta chaps

[Ollie]

DOnt know if yous get NFU on the mainland. Its insurance for farmers but you can talk your way in. only company here that does 3rd party extensions for under 25s and they dont charge any more for mods. You just have to declare them.

[1616six]

Give me a PM. I work at Flux & specialist vehicles dept. Can arrange call backs for anyone, any time of the year. Cheers

[Piggy]

flux couldnt get near the decent quotes!

[Ben]

Give me a PM. I work at Flux & specialist vehicles dept. Can arrange call backs for anyone, any time of the year. Cheers

I tried that and you didn't reply!

Got a few quotes though... all modifications covered and insured for 160bhp

Prestige - Fully comp - £1000

Sky - TPFT - £892

Adrian Flux - TPFT - £739 inc windscreen cover

I should have tried Brentacre as well probably but I was fed up of being on the phone so I've gone with Flux.

[rickye]

DOnt know if yous get NFU on the mainland. Its insurance for farmers but you can talk your way in. only company here that does 3rd party extensions for under 25s and they dont charge any more for mods. You just have to declare them.

aye, they are some place, fully comp in own name, 3rd part extension and mods declared

[Curt]

Brent for the win