Looking to get my car insured again - all mods declared. Do people have recommendations? I tried performance direct but they told me they cant offer me anything instantly and it's one they would need to "put out" and come back to me. Also sent details to Greenlight insurance and am waiting on quotes. I have seen elsewhere that Adrian Flux are very expensive these days. 

Any info on what people pay would be helpful too. 

 

UPDATE: Performance direct have said they can't offer any cover as the insurer does not like that the car has been off the road for the last year and a half? Strange. 

Edited July 26, 20223 yr by Peage

Insurance companies are a mine field. Different people will get different quotes because of their car the owners age, where they live and lots more. I'm with Performance direct with a classic quote around £150 and limited to 6,000 miles a year with just a few mods listed. 

ClassicLine Insurance (www.classiclineinsurance.co.uk) for the last four years. Agreed value and no problem

with extensive list of modifications.

Wish I'd seen your post about ClassicLine Andrew! Had not tried them. I was rejected by Performance Direct, GreenLight Insurance and a couple of others for a multitude of reasons. FYI - My license is clean etc so no issues there. 

The main barrier seemed to be the level of mods and the fact the car has not been on the road for a while. I was told upfront my Greenlight, who genuinely focus on modified cars, I won't find cover and all their companies had rejected it. Lack of recent reference of an insured performance car. Lack of immobiliser/alarm. My stated valuation. 

FYI for anyone who comes across this in a similar pickle, Chris Knott were able to find a policy for me but could not get me on an agreed valuation classic policy due to the mod list and other issues stated above. They were great and seemed to try the hardest of any of the firms I spoke too - who all seemed annoyed by me asking for a quote to be honest! By the point the person working on it for me at Chris Knott called me back I was ready to take anything offered though. I am 31, clean license, no claims and paid £497 for the year. For reference, the policy on my daily driver is around the same so pleased with that price... although not in the £100-200 range some manage to hit on here. As Gaz says though, many other factors at play too. 

I think my lesson here is to keep the car insured regardless... But I needed as much cash as possible at the time to start my business so no regrets either. ?‍♂️

Edited July 26, 20223 yr by Peage

What kind of mods do you have? Mines not exactly stock and I’ve not had an issue. Only a few years older than yourself. 

20 minutes ago, Stephen said:

What kind of mods do you have? Mines not exactly stock and I’ve not had an issue. Only a few years older than yourself. 

My mods are covered pretty well in my premium journal on here called Black UK Z. There's a performance spec list somewhere on the first page.

Weirdly the biggest issue was the car having a period of being uninsured. Quite how you're ever supposed to fix that when most won't offer a new policy, I don't know. 

Level of power increase was also mentioned as an issue too. It's at 465hp. Nothing mental.