Author Topic: What do you actually tell your insurance company about any mods?  (Read 12247 times)

Offline skyinsurance

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Re: What do you actually tell your insurance company about any mods?
« Reply #10 on: 24 September 2013, 12:20 »
No no, not a Aprils food joke just genuinely interested is all

It's not the 1990's any more, there are plenty of insurers out there who cater for and even specialise in modified car insurance.


Offline D1andonlyantman

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If you're going to do mods and not declare them you might as well get the cheapest skankiest insurance you can find because if you do crash you're not getting a penny anyway. I've only been driving 10 months so can't get modified insurance yet which is why I bought the mk4 180bhp standard. Only cost me 30 quid more to insure than the 150 standard. My insurer (admiral) will cover up to 6 mods as long as they're not big performance upgrades like remapping or full exhaust systems so I can throw on an induction kit and a cat back exhaust and it only goes up by about 50 quid, 80 if I want the value of the mods added to the payout if the car gets nicked. My advice is hold back on the mods until you can do it legit. I'm 27 and was tempted by some remapped cars I saw but at my age insurance fraud is not something I need on my record!
MKIV AUQ - RamAir Induction Kit, Forge007p, (Custom Exhaust, Decent TIP, N249 Bypass and remap coming soon)

TRASHED BY SOME BELLEND WHO CANT DRIVE

Replaced with Leon Cupra 225, RamAir CAI, Forge 007p, Badger5 TIP, N249 bypass, Scorpion Decat and Catback, R-tech remap pushing approx 275bhp :-)

Offline GTIJas

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I'd tell them, I told them all of mine (remap boost hoses dampers clutch flywheel) I EVEN told them about the stereo as they wanted to know.
Went from 459 to 522.
It's not bad really, to be covered properly anyway
Try Adrian Flux, specialise in mods insurance
1.8T 20v Stage 1 generic Jabbasport
<a href="http://s742.photobucket.com/user/VwjasGTi/media/20131006_131816_zpsb661ba02.jpg.html" target="_blank"><img src="http://i742.photobucket.com/albums/xx70/VwjasGTi/20131006_131816_zpsb661ba02.jpg" border="0" alt=" photo 20131006_131816_zpsb661ba02.jpg"/></a>

Offline Nino

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I'd tell them, I told them all of mine (remap boost hoses dampers clutch flywheel) I EVEN told them about the stereo as they wanted to know.
Went from 459 to 522.
It's not bad really, to be covered properly anyway
Try Adrian Flux, specialise in mods insurance

Try diff insurers too as adrian flux quoted me £2348 to i sure my golf with all mods and 4 years bo claims and im 29, mad the same call to greenlight and it was £430 you can only guess who i went with.
VW Car history
Mk3 1.8 GL - Silver - 5 door
Mk4 1.8t - Silver - 3 door
Mk4 R32 - Black - 5 door
Mk5 GTi - Black - 5 door
Mk4 R32 - Deep Pearl Blue - 3 door
MK6 2.0 TDI - Graphite Blue - 5 door
MK7 GTD - Solid Black - 5 door
MK6 GTi Edition 35 - Candy White - 3 door

Offline UnCl3RoRy

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  • Silver - 2001 1.8T AUM
i wish i investigated it first i guess, i obviously wanna be legal, but ive only just started this policy and it would be too much of a ballache to change it, i dont wanna do owt major anyway, just a set of alloys really, but this added a cost of £130 to my policy, just weighing up whether its worth it


If you no longer go for a gap that exists, you are no longer a racing driver - Ayrton Senna

Offline skyinsurance

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just a set of alloys really, but this added a cost of £130 to my policy, just weighing up whether its worth it

Your insurer doesn't sound modification friendly. Most specialist insurers would not charge for fitting alloys wheels

Offline Shizzle

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i think these prices are down to age a location i have 6 years no claims (i i have never claimed or crashed) held my license for  7  years (im 24 now) no points ever and i pay over £1000 standard golf GTI 16v park in a garage at night. if i told them i was going to mod it performance wise i think i would just get raped.

MK3 Golf GTI 2.0 16v 3Door Storm Grey

Offline D1andonlyantman

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^^ holy crap, I paid 700 for me and my girlfriend on a gti 180 with no no claims, first year of driving for me parked in residential parking. A grand with 6 years no claims is brutal
MKIV AUQ - RamAir Induction Kit, Forge007p, (Custom Exhaust, Decent TIP, N249 Bypass and remap coming soon)

TRASHED BY SOME BELLEND WHO CANT DRIVE

Replaced with Leon Cupra 225, RamAir CAI, Forge 007p, Badger5 TIP, N249 bypass, Scorpion Decat and Catback, R-tech remap pushing approx 275bhp :-)

Offline Shizzle

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i live in a LU5  postcode nightmare round here took me like a month of ringing/emailing searching insurers for that price  :cry:

MK3 Golf GTI 2.0 16v 3Door Storm Grey

Offline D1andonlyantman

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I'm guessing LU is Luton??
MKIV AUQ - RamAir Induction Kit, Forge007p, (Custom Exhaust, Decent TIP, N249 Bypass and remap coming soon)

TRASHED BY SOME BELLEND WHO CANT DRIVE

Replaced with Leon Cupra 225, RamAir CAI, Forge 007p, Badger5 TIP, N249 bypass, Scorpion Decat and Catback, R-tech remap pushing approx 275bhp :-)