car insurance

well got my renewal from a,plan

the company i was with wanted £1100+ this yr but they found some one else who want £665 so did normal ringing around admiral,adrain flux etc,keith michaels who never got back to me after ring them 2/3 times & leaveing voice messages (had same thing with them last yr) there will not b a 3rd yr

so rang sky insurance who beat a,plan by £45 & excess by £150 with same company with all mods declared as a,plan had quoted me on

so worth give them aring 02083645500 you are looking for insurance ask for lad called sam

Keith Michals did the same to me last month, I called and was told I'd get a call back which I had to keep chasing for, eventually when they did they really could not be bothered to help me.

how much!!!

mines only £500

bloody postcode comes under westend of newcastle & not even in newcastle

when i 1st moved here car insurance went up 25% because of postcode robbing b*****ds

haha i was chuffed when i got a quote for just over 1K, with all mods declared, and not keeping vechile at home address! although i am 25 (7years NCB), so wasnt expecting a great quote!

How are the insurance co's with mods these days?

I'm with LV and due next month .. and wonder if they are still OK with mods ( they were fine with the classic but then went off mods .. ) on the new cars.


re K Michaels - had same lack of replies to e-mails and telephone messages, even when asking for the subaru guy moley, and really poor when I had a claim - "go call the underwriters we don't deal with thefts!"

well mine just has prodrive alloys, which are classed as standard, due to being fitted and supplied by dealer, and a H & S cat back, so only a 10% power gain, the brakes are inc aswel. they seemed ok, didnt add that much to the price from what i worked out.

mines got all suspeion mods & wheels listed , K,M DID same with me last couple of yrs ive rang them left messages & when i did speak to them they where intrested wont b a 3rd year

im with admiral, i coulda saved maybe 50quid, but tbh i aint fussed about 50quid, when ur talking over 1k.

Guys

I have my 330S insured with Greenlight
Costs me £700 which was only £25 more than my last MY05 UK STI PPP

i'm surprised with K Michaels, been with them for 4 years now, 2 accidents, all ok from them, but these days there are separate companies that deal with the actual claims etc now for the insurance companies


Any1 wanting a quote needs to call them and ask to speak to Gary Moulson, say that me (Mark Chamberlain) has put you in touch, he will look after you.

all my mods are always covered, paid off to do this when my hawkeye was written off cos every1 was replaced

£590 for mine with 12k of mods declared. £1200 audio cover windcscreen replacement protected ncb

The missus and I have been with A-Plan for years , we have 5 cars insured through them between us,and the envelope arrived from A-Plan with the renewal quotes for the STi :

£639.43p with Aviva Gold which was £370 last year , A-Plans best quote was £539 with Royal sun alliance. Too expensive so I used T`internet.

Adrian Flux £443 without getting my 15% Cumbrian Scoobs members discount and haggling.

Compare the market best was Hastings direct @ £387. Admiral is £420 with the comparethemarket.quote.

Next was gocompare.com whos cheapest was Admiral @ £621 for the same cover as with comparethemarket.

All the quotes for protected NCB ,Legal cover , £350 excess and everything declared and myself and Denise as named drivers. Big difference for the same policy with different brokers so it pays to shop around.

Decided upon Adrian Flux as you probably guessed , cracking deal Aviva Platinum policy with all kinds of extras thrown in. Cracking service too. Paid £403.

admiral wanted £860 with mods declared off me tryed confused etc all around the same the ones that would insure car

i was with adrian flux with my bugeye price doubled when i got renwal & last yr wanted on 1k for hatch

like i say lots got to do with postcode area

Spent a lot of the day trying to get through to Liverpool Victoria ( LV=) who I am currently with and used to cover my heavily modded classic. Finally managed 7 pm!

Factory and dealer providing car parts are classed as production line parts
Later dealer parts are post production parts.
Items like parking sensors, Bluetooth are allowable mods.

Other non Subaru parts, or fitted elsewhere become aftermarket parts.

LV= still do the "all inclusive " for e.g. exhaust parts or suspension parts it is all encompassing and futute changes are not likely to affect risk / premium ( just let them know so they will pay out on them if needed! ).
The down side of this is that a small change in say engine parts - air filter / induction kit becomes other engine mods and hikes up the price massively as if engine change or rebore!
Remap is chip change and they do not like that!


So for dealer fit grills, bluetooth, quick shift, rear parking, then post production but dealer fit prodrive springs, and then after market sports cat, induction kit and remap it went from ...


£681 to £2670 !!!!!!!!!!

Rearranged the parts categories and down to £1700 ish then list better again and down to around £1300. For the same parts but just put in different categories.

Hmmm... They are getting back to me tomorrow when they have looked at the mods / accessories and the efect on costs / performance / nickability!


May have to try A-Plan and Adrian Flux to see if I can get a price like you guys above have for the mods ... Rob - where is yours thru?

Cheers

Mine goes through Admiral

Lucky sod thought it might have been some trader policy!


LV came back to me today and confirmed all changes needto be listed, and things like clear fog light mod triggered thebodywork change, quickshift gear lever triggered gearbox changes, Strut brace for suspension mods etc.

So still £1300+ for just strut brace and grill/fog light! Over £2k with air filter and remap.

LV also stated they will no longer cover imports..... seems they are no longer mod friendly ... rep even off the record suggested a niche insurance broker / company...



Off I go again!

Don't forget QUIDCO !!!!

Get upto £75 cash back for new policies.

I'm with Aviva, about £380 for the WRX then about £20 for each mod. (The wheels cost more than the performance exhaust system on quotes.)

PLUS I got about £60 cash back via Quidco. Also got the same back for my wife with Hastings Ins.

Worth a try.

General policy for me, my car, my area, my useage etc around £680 to £800 with a total loss £26k ( Hatch STi stolen thru burgulary / keys taken, may 09 ) BUT as soon as I state air filter induction kit and sports catalytic convertor goes up to £1300 - £1400 ..... add in remap and the "bodywork" mods - clear fog light and the optional STi lip splitterand grills and parking sensors over £2000!

At least some companies are sensible and the options / accessories fitted before collecting the car are included ( grills, quickshift, bluetooth, park sensors etc. )are not a modification / aftermarket .. but these companies seem to be higher starting price, e.g. Admiral at £1400 std to £1855 with air filter/exhaust!

Sky couldn't give a quote!

Performance direct over £1200 ..
LV £1300+
Adrian Flux - didn't complete quote as not competitive / in the ball park ( over £1800 )

Need to go thru A-plan ( Chris ) and back to current insurer and ignore the factory/dealer fit options just the aftermarket bits...

Any of you guys with Greenlight or am I on my own?
Gary in Keith Michaels gave me a quote, but it was approx £300 more

I'm with Subaru Insured, OK I have a diesel, but I'm only paying £380 fully comp with protected NCB. Yes the few mods I've made are declaired.

just got insurance with LIVERPOOL VICTORIA

330s with Me + Wife

£550 FC pNCD (includes 19" alloy mod) £300Xs+£300 compulsary Xs (so £600 Xs total)
limited mileage at 8k
with free £100k legal protection.



Keith Michaels were £625 Fc with mods+any future mods £350xs
SKY insurance £700 Fc
Aviva £492 FC £1050Xs
A plan between £600-£700
Admiral £900

comapare sites were anything from £575 and above
then add the alloy mod.. £900 and above!!!

LV give £20 cash back if you go through Quidco.

Keith Michaels did mine (£460) as Saga bottled out at last mods

Hi, did a lot of ringing round in September and ended up with Admiral, was completely open with the PPP mods (ECU, Exhaust and additional 19" wheels) and got the best price by a long way from all the other places I tried. Peter