Admiral Insurance - FMIC not allowed!?

[Toms306]

Just do you know I pay less than












£400 on my stripped s16 all mods declared like for like drive another car yadah yadah yadah ha ha





Oh the joys of being old ha ha

Lucky old git haha!

How old are you btw? You often say you're old but...how old lol?

[mark_airey]

Mine is £460 IIRC, all mods declared, 150BHP,

The top and bottom of it is that Admiral are shit Tom

[Toms306]

Mine is £460 IIRC, all mods declared, 150BHP,

The top and bottom of it is that Admiral are shit FOR MODSTom

Edited for you as they're not bad for standard...infact they've been cheapest std for 2years now.

Who are you with (let me guess, brentacre??) and how old are you...about 25iirc?

[mark_airey]

Edited for you as they're not bad for standard...infact they've been cheapest std for 2years now.

Who are you with (let me guess, brentacre??) and how old are you...about 25iirc?

They were shit for me without mods too, and the fact that for a standard car they wanted to go from £800 ish to over £1000......... I'm sorry, is it not supposed to get cheaper as you get older and get more no claims?!

And yes its through Brentacre and I will be 26 in March :dance:

[Toms306]

Edited for you as they're not bad for standard...infact they've been cheapest std for 2years now.

Who are you with (let me guess, brentacre??) and how old are you...about 25iirc?

They were shit for me without mods too, and the fact that for a standard car they wanted to go from £800 ish to over £1000......... I'm sorry, is it not supposed to get cheaper as you get older and get more no claims?!

And yes its through Brentacre and I will be 26 in March :dance:

Maybe they're better for younger drivers then (18-21)? Oh and no, every year my renewal price with each insurer has gone up...hence changing every year lol....

And haha, thought it would be!

Btw, I just tried a quote on your car ( 'd the plate from the photography thread) - £700 standard for me - the golf is just over £1000 standard for me (yes thats £100 more than last year lol) And your car lowered, with non standard alloys and a chip came to £974 for me lol...........hmm, if only I liked XUD phase 2s!

[mark_airey]

Maybe they're better for younger drivers then (18-21)? Oh and no, every year my renewal price with each insurer has gone up...hence changing every year lol....

And haha, thought it would be!

Btw, I just tried a quote on your car ( 'd the plate from the photography thread) - £700 standard for me - the golf is just over £1000 standard for me (yes thats £100 more than last year lol) And your car lowered, with non standard alloys and a chip came to £974 for me lol...........hmm, if only I liked XUD phase 2s!

You will do well to "chip" and XUD though, its declared as big turbo, FMIC, pump mods, induction mods, lowered ~100mm, exhaust, smoothed bumper & boot, GTi interior, stereo alloy wheels and anything else I have missed on a like for like basis where most insurers will only replace things with standard parts if you have an accident..............

Plus its obviously going to be cheaper than the golf, its about twice the age with less power and worth about half as much in standard form

[Connor]

Cost me like £60 to declare lowering and wheels with admiral

[mark_airey]

Cost me like £60 to declare lowering and wheels with admiral

They clearly just don't like Tom

I can insure my care with Brentacre modified with everything declared cheaper than I can though Admiral as a standard car..................go figure!

[Connor]

Surprisingly brent couldnt touch admiral for me :/

[Toms306]

Maybe they're better for younger drivers then (18-21)? Oh and no, every year my renewal price with each insurer has gone up...hence changing every year lol....

And haha, thought it would be!

Btw, I just tried a quote on your car ( 'd the plate from the photography thread) - £700 standard for me - the golf is just over £1000 standard for me (yes thats £100 more than last year lol) And your car lowered, with non standard alloys and a chip came to £974 for me lol...........hmm, if only I liked XUD phase 2s!

You will do well to "chip" and XUD though, its declared as big turbo, FMIC, pump mods, induction mods, lowered ~100mm, exhaust, smoothed bumper & boot, GTi interior, stereo alloy wheels and anything else I have missed on a like for like basis where most insurers will only replace things with standard parts if you have an accident..............

Plus its obviously going to be cheaper than the golf, its about twice the age with less power and worth about half as much in standard form

I used chip cos obv that covers power increase but you cant add fmic (as the title of the thread! ), and they won't do it on turbocharger without phoning either lol...but you see the point...............the MODS for your car are a lot cheaper than the same on mine. :?

Its not twice the age....the golf is a 2001 lol. and anything over 10 years old seems to be cheaper (mines now 11...)..........and the power increase on yours gives it more bhp than the standard golf (only just, seeing as its same for 130 and 150 tdi )...but still insurance is ridiculous.

[Toms306]

Cost me like £60 to declare lowering and wheels with admiral

They clearly just don't like Tom

Hmm, Connor must be old too..... :?

And you're right Mark, I can't see why they don't like me though.........in 3 of driving years I've spent ~£4300 on insurance alone! f*ck...it looks bad when you add it all up. :o

Wouldn't mind if I lived in a shit area (got A postcode), crashed every weekend (never crashed yet), and had 9 points for driving like a cock or something (no points at all)....................... Why should I be tarred with the same brush as all the other young lads? :evil:

[Toms306]

Surprisingly brent couldnt touch admiral for me :/

Oh....well thats odd! Not enough mods for Brent' maybe??

[Connor]

Hahaha Im a 21year old mechanic, with 6 points and my car is parked on the street in a bad area

[Connor]

No mods dont really matter with brent apart from power increases, told me I could do anything I wanted and it wouldnt matter, bloke on the phone even said I could chop it in half and extend it by 6feet and it wouldnt make a difference

[Toms306]

Hahaha Im a 21year old mechanic, with 6 points and my car is parked on the street in a bad area

Really? FFS!! Mechanic is like the worst thing you can do (after student)....good thing I'm still a shop assistant...well I do assist shops by buying stuff from them lol. Will have to put student in May if I still havent got anything, unless 'unemployed' comes up cheaper....sigh....but hopefully I'll have a proper job by then.

[Connor]

*on the phone to admiral trying to add an intercooler to my policy*

[Toms306]

*on the phone to admiral trying to add an intercooler to my policy*

I bloody hope you can't! nooty:

[Connor]

[Toms306]

Haha, admiral's such a pain in the ass!

My Uncle actually knows the owner of Admiral so might ask him to ask about FMIC's lol..........but I doubt the company owner knows anything about the actual policies tbh lol.

[Jonny b]

Nearly 37 bud hopefully it will drop again at 40 got to be some plus's to Being an old got ha ha

[Toms306]

Nearly 37 bud hopefully it will drop again at 40 got to be some plus's to Being an old got ha ha

Thats not old haha!

But you know it goes up again when you get to retirement age lol.............enjoy it while you can!

[Midnightclub]

Did you actually try tiger tom?

[Toms306]

Did you actually try tiger tom?

Yeah I did, its in the thread somewhere....cheapest quote was over 4 grand...

But its a broker, so who are you actually with through tiger??

[Midnightclub]

Company which always comes up best for me was premium choice.. Money supermarket was giving me quotes of 4k.. tried tiger and £1087 was my first quote.. I've got a feeling it's because i've owned the car for 2 years as no other quotes i do on other cars can even come close

[Connor]

Looky what I just found...

[Connor]

But then I clicked next and it said "we do not offer this modification" then why list it?

[Toms306]

But then I clicked next and it said "we do not offer this modification" then why list it?

I wrote this in the first post!! Didn't you even bother reading the first post haha!

[Connor]

Course I read it... Just now

[Toms306]

Company which always comes up best for me was premium choice.. Money supermarket was giving me quotes of 4k.. tried tiger and £1087 was my first quote.. I've got a feeling it's because i've owned the car for 2 years as no other quotes i do on other cars can even come close

Aaaaaah, that may be why! I've owned mine for ages now (just over 7 months lol) but will be looking for another before renewal!

[mark_airey]

Nearly 37 bud hopefully it will drop again at 40 got to be some plus's to Being an old got ha ha

They will be giving you a bus pass and putting your insurance back up again soon you old bastard