Another year's run out and it's insurance time again. Now, I /hate/ ringing round for a decent quote! "Quote me happy"?! Faahck off! Anyone here can probably appreciate, you usually get some poor girl on the end of the phone following a pre-defined list of instructions. 10 minutes into the list is the: "do you have any modifications to your vehicle?" question. Oh dear. Yes... I've got sh*t-loads of mods! Then if they'll even insure a mod'd car, you have to sit there for ages explaining what all those mods are to someone who knows nothing /at all/ about cars. "Hold on, I'll need to ask someone about this". That sound familiar?! If they come up with a decent quote, there's always that niggling doubt in the back of your mind that they've misunderstood something which could ultimately lead to you not being insured should you actually need to claim.

 

Anyway, I'm not hear to moan. This is a quick word of warning to people considering serious mods. Not declaring your mods IMO is completely pointless. You'd quite simply be f*cked if you had a claim. God forbid what'd happen if you mowed down a pedestrian! I've seen people here with ridiculously low quotes, and TBH it just looks dodgy. If you're going to mod a 300, which already isn't exactly a cheap car to buy and maintain, make sure you can also afford to insure it! Cutting corners or point-blank lying about anything done to your car isn't an option. If you don't have the money, don't mod the car. Or drive something cheap.

 

I know a few other people here are (were?) with Adrian Flux. I like Flux because they actually have people you can talk to about what you've had done - /and/ they understand. It appears they'll also sort out insurance for just about anything. Last years policy covered me for all mods and up to an agreed amount of horsepower (550 bhp as it happens). OK, so it was a real pain in the ass filling out the pages and pages of forms to declare everything, but hey.

 

I rung Direct Line again this year. They sent me a "you could save money if you came back to us" letter - I was insured with them the year before last, before my engine rebuild. That conversation I just described above... exactly that. The upshot of this painful conversation was they would not insure anything with mods totalling over 10 grand... which if you think about it, isn't really a lot of (serious) mods. It's basically a complete engine rebuild and a pair of turbos. Nothing else.

 

So I'm with Flux again this year. Fully comp (duh!), unlimited mileage, 8 years (protected) no claims... just under 1,400 quid. Sound a bit nasty? Well, personally I feel a lot better about forking that out than I would worrying for a year that I might not be insured.

try HIC.

thats scared the shit out of me, weighing up getting an engine rebuild, makes you think twice. must admit makes sense to declare your mods, with my body mods plus a racer engine does not look a rosy picture

You've gotta declare your mods, it's not worth the risk IMO, get the right company and it doesn't cost the earth and you can get new for old or guaranteed value etc.

 

Mine was something like £900 fully comp, guaranteed 7k, limited to 6k miles though (all that happens if you crash/claim over this though is you pay more excess), all mods declared and with 110% power increase.

Houghtons Houghtons Houghtons Thats all I am saying ;) ;)

Houghtons Houghtons Houghtons Thats all I am saying ;) ;)

Second that...:D:D:D

Si did they agree a value of the car with you incase of a write off ?. That's something that concerns me the most.

Yeah Stu. I said 15K last year and went with that again this year. But thinking about it, it's not really enough is it?! I know if I sold the car as is I wouldn't get that much back, but that's not the point really, is it? They said to me, if the worst happened, they'd want me to have the car back as I have now. So technically, they should be forking back out stupendous moneys. But I know insurance, and I know they wouldn't. If I trashed my car tomorrow and got 15K, I'd be really quite amazed. That's regardless of the fact I've probably spent more than 15K on mods so far anyway.

 

Don't get me wrong guys (Speedfreak / Sgt C), I know you probably /love/ what broker you're with but when arse comes to push, will they really pay out the 5-figures for the mod-list you've had done + the cash you forked out for the car?! I'm talking about 100% power increase over standard, and Flux are fine with that. Jezz, you're talking about 7K's worth of 200SX with limited mileage (which apparently would only get me 5% discount), so thinking about it, I'm actually getting quite a deal if you're paying 900 quid PA.

 

Russ - don't worry about it, mate. You've obviously got the cash to go this far if you can afford your paint / bodywork job. If you're gonna to do a proper job with your 300 then you just /have/ to get a kick-ass engine too! :) The fact that you'll probably be spending a four-figure number on insurance each year is surely just money thats gotta get spent. To be honest, I'd be way happy with the power you've already got for a while. If it's really not quick enough then welcome to the "kicked in the balls (wallet)" club (like you're not already a member FFS!).

 

As I was saying, serious mods = serious insurance. I don't (exactly) mind paying for it. So any guesses what other big builds might be forking out on insurance? Macca?! OMG... I think I'm gonna chuck!

 

As I was saying, serious mods = serious insurance. I don't (exactly) mind paying for it. So any guesses what other big builds might be forking out on insurance? Macca?! OMG... I think I'm gonna chuck!

 

 

Si why you gona chuck? here is what helps.........................

 

1 One of the BEST postcodes in the UK

 

2 Never ever had an insurance claim

 

3 Had the same insurance company for over 15 years

 

4 All mods declared

 

5 Well under 500 squids fully comp and protected :dance:

No f*ckin way.

 

Sorry mate, just don't believe it. All the best postcodes in the UK are daan saaf! I've heard it's reet grim oop narth. You may be a northern (facking warm) beer drinkin munky, but there's no WAY you should be paying less than 4 figures for your engine build, limited mileage or neh-lad. By-eck, and all tha'shyte! :)

No f*ckin way.

 

Sorry mate, just don't believe it. All the best postcodes in the UK are daan saaf! I've heard it's reet grim oop narth. You may be a northern (facking warm) beer drinkin munky, but there's no WAY you should be paying less than 4 figures for your engine build, limited mileage or neh-lad. By-eck, and all tha'shyte! :)

 

Ok first of all I really don't give a f**k what you beleive,so you saying I am telling lies? Best postcodes down Souf? yea right:D Ask Vijay :rolleyes:

mac you must have a good deal with your insurance company. are you sleeping with them ?? or did you tell them your job is nursery school teacher and its a 2cv with a few body mods

yep, I live in NW London and my premium gets doubled when they know my postcode. That's what I was told that by at least 4 insurance companies (when I was trying to sort out club insurnace last year).

 

Vijay

 

Vijay

51x, yeah you are probably right, to put it into perspective TPFT was £430 with a std car valued at £3k and no accidents.

This is fully comp with mods and an accident.

Oh and a crap Post Code. It's actually pretty good.

 

On SXOC people generally go with Liverpool & Victoria, Flux, HIC or Greenlight. There are club discounts on 2 of them.

 

Richie pays

mac you must have a good deal with your insurance company. are you sleeping with them ?? or did you tell them your job is nursery school teacher and its a 2cv with a few body mods

 

Yea looks like I do have a good deal, Are you another that pays silly expensive premiums?

£300 extra to chip it stopped me doing that

£400 fully comp value 6k 8yrs NC

Houghtons

Tyne and Wear postcode

£300 extra to chip it stopped me doing that

 

Who is ripping you lot off? :rolleyes:

 

Eg Timmy Turbo

 

Induction

 

Decat

 

Exhaust

 

ECU chip

 

Full Wide Body kit

 

18" alloys

 

Fully comp £300 and that's expensive IMHO

Me....

 

Induction

Decat

Mongoose

ECU Chip

Boost controller

Uprated brakes

Traction control

Clear indicators

various engine bling

£2000 worth of ICE

 

Ban on liecense for riding a R1 how it should be ridden :(

30 years old

Garaged

Cat 1 alarm and Immob

Limited 6k miles on a classic policy with Adrian Flux

 

£678 Fully comp

 

The moral to this, NEVER get banned :mad:

 

Rich:D

just changed my NA to a TT, 36, no ncb (all used on main car), no limited mileage, any mods (no need to declare them) parked on driveway in london postcode. NA cost me £336 with business use. To change to TT cost me ................................£10.49. Quote me happy? I nearly had a **** :)

that takes the piss!!!

 

So there are reasons for wanting a Zed afterall. LOL.

just changed my NA to a TT, 36, no ncb (all used on main car), no limited mileage, any mods (no need to declare them) parked on driveway in london postcode. NA cost me £336 with business use. To change to TT cost me ................................£10.49. Quote me happy? I nearly had a **** :)

 

That's better than mine FFS:D I will be giving you a call Jock :bow: :bow: :bow:

LOL!! try working in the motor trade - they load your premium just for working on cars :rolleyes:

Ok first of all I really don't give a f**k what you beleive,so you saying I am telling lies? Best postcodes down Souf? yea right:D Ask Vijay :rolleyes:

Keep ya syrup on, mate! ;) I'm only fackin about. London, OK nasty. But I live in an area (daan saaf) where people leave their front doors open when they go to work. Crime? Wassat then?! Even Jocks quote I'm surprised about, cos it's with Flux. I've never been banned. I don't have any points - not for a long-long time. What's going on then? I just expect to pay 4 figures. It was more expensive last year! Next year I'll give some of these other guys a go. I'd kinda hoped the "club" would've been able to sort some cheaper insurance out by now.

 

Just out of interest, how do you go about finding out how good/bad your postcode area is?

 

Just out of interest, how do you go about finding out how good/bad your postcode area is?

 

leave your keys in the ignition & see how long before its nicked!!

Keep ya syrup on, mate! ;) I'm only fackin about. London, OK nasty. But I live in an area (daan saaf) where people leave their front doors open when they go to work. Crime? Wassat then?! Even Jocks quote I'm surprised about, cos it's with Flux. I've never been banned. I don't have any points - not for a long-long time. What's going on then? I just expect to pay 4 figures. It was more expensive last year! Next year I'll give some of these other guys a go. I'd kinda hoped the "club" would've been able to sort some cheaper insurance out by now.

 

Just out of interest, how do you go about finding out how good/bad your postcode area is?

 

So am I so don't spill your Shandy FFS:D Simon you need to shop about sounds like you have been shafted :nono: :mac1: