GolfGTIforum.co.uk
Model specific boards => Golf mk6 => Topic started by: R32UK on 28 July 2009, 20:42
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Just thinking ahead a little, so decided to visit confused to get some quotes for the Gti (with alloys and a remap). Usually I find that confused throws out some decent quotes However on this occasion it went nuts!!
So here is what it came back with for 29yrs old, 5yrs ncb, 8 points, mods as listed above.
79 results (78 companies wont provide me with insurance) + 1 that will Endsleigh Insurance for £2826!!. wtf??? :undecided:
Anyone else on here declared their mods and whos your insurance with??? :huh:
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I always declare any mods regardless how little or big. It will always bite your ar5e at somepoint of you don't. MOst brokers are pretty ok with this.
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Just had a try myself
33yr old, Full no claims
Without chip £300
With chip £775 - £9,999.00 - Only 3 would insure me.
What a joke :grin:
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Thats a joke!! there is no way im not chipping :angry:
Surely that cant be what people are paying?? using installments it came to £3.2k :shocked:
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I paid £25 admin charge when i put on white wheels (identical to my old ones) :laugh:
Make sure you tell them everything! Expect them to whack your kacks down though!
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admiral or elephant.co.uk should do decent quoted with mod's. Have you tried them?
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hmmm....
my insurance quote with admiral was 393 (3yr ncb, 1 accident, a few named drivers, use of another car)
adding the optional alloys and active sports suspension took this up to 414
(funny to note that they think LPG is Low Pressure Gas!)
adding an engine chip with up to 25% increase, i.e. from 210 up to 262.5 bhp takes premium to 564
they wouldn't quote for a higher engine chip
got me thinking about the 18inch alloys and ACC though, its added 20 quid to my insurance! (split roughly 10 quid for alloys and 10 quid for ACC)
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Well, I got the ACC to improve the comfort of the ride for my elderly mother. If it adds to the premium I won't be all that happy.
Rolfe.
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you could try telling that to your insurance co i guess!
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you could try telling that to your insurance co i guess!
Good luck with that one :grin:
I would rather declare mods from the start, I know if I start making changes to the policy half way through they will end up charging the standard admin fee plus the cost of the mods. Once they have you in your pretty much tied in for the year... unless your willing to change providers again.. which again means more cost :undecided:
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True that man! In my experience of dealing with Admiral, they will charge something like 15 quid a time for changes to policy as an admin fee, even reissuing a letter where no changes cost me 15 quid!
Back on topic though, I never realised that non performance enhancing extras such alloys or the Mimi's Chilli pack needed to be declared on insurance. Modded to me always meant performance mods. I suppose luxury extras would increase a car's desirability, hence greater risk of theft. I suppose I better start complying from here on in!
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Surely the ACC and different (factory) alloys etc aren't classed as mods?! They will be reflected in the value of the vehicle?
They are factory fitted and 99.9% of people would not be declaring these as mods. I certainly wouldn't be. I think they want to know about aftermarket mods not VW options.
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That's what I thought until I had a look at the list of mods on admirals website. They include the MINI chilli and pepper packs which I kinow to be factory fit packs as I used to own a MINI.
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Surely the ACC and different (factory) alloys etc aren't classed as mods?! They will be reflected in the value of the vehicle?
They are factory fitted and 99.9% of people would not be declaring these as mods. I certainly wouldn't be. I think they want to know about aftermarket mods not VW options.
I think this is correct. By getting the optional 18's, leather or ACC surely isnt modding your car. Your car came from the factory with these on.
I think the mini with chilli or pepper pack is classed as model change
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admiral or elephant.co.uk should do decent quoted with mod's. Have you tried them?
Are you insane? They are AWFUL for mods.
Have you tried Greenlight?
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Surely the ACC and different (factory) alloys etc aren't classed as mods?! They will be reflected in the value of the vehicle?
I've always assumed that was exactly what they meant by mods...
In the link below, the relevant bit is probably 'Please note - if you make a claim for loss or damage to your car, we will only pay the cost of replacing the parts needed for the car to meet the manufacturer's standard specification. The modifications themselves are not insured.'
http://www.moneysupermarket.com/community/forums/t/factory-fitted-extras-7593.aspx (http://www.moneysupermarket.com/community/forums/t/factory-fitted-extras-7593.aspx)
How this fits with GAP insurance is beyond me (brain hurts)!
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Thats an internesting point, would the GAP top you up to invoice if you insured your car without mentioning the alloys, xennons, upgraded sterio etc etc etc???
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Surely the ACC and different (factory) alloys etc aren't classed as mods?! They will be reflected in the value of the vehicle?
They are factory fitted and 99.9% of people would not be declaring these as mods. I certainly wouldn't be. I think they want to know about aftermarket mods not VW options.
That's what I thought. And it will be interesting to see what questions I get asked when I sort out the insurance.
I'm planning on kicking off by calling my existing insurance, which is the RAC. They came to my rescue 16 years ago when I got the XR2 (upgrade from a Fiesta 1.1L) and my then insurers started getting silly. I don't remember much hassle when I changed the XR2 for the Peugeot, and I don't remember getting cross-questioned about the exact specifications for the car.
As far as I'm concerned, "modifications" means stuff you do to the car after it's delivered to you. And that will be how I will interpret any such question. If they want to know which factory-fit options the car is coming with, then they'll have to ask me that, and if they ask, I will tell them.
I can easily see why a modification to improve the performance of a car would increase its insurance. It might well put it in a different insurance group. However, comfort-oriented factory-fit options should surely only affect the insurance insofar as they are reflected in the value of the car.
Rolfe.
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Online generic brokers are not the way to get a good price on modded car insurance! They can't possibly allow for all the things you could come up with and pass that on to some computer system to give you a quote. You need to talk on the phone to someone who knows the mods you are talking about, their value and impact. Plus if you are meaning more than just the simplest of mods, you need an agreed value in place. Otherwise when your mk6 with, 19" LM's, 500 quid ecu upgrade and a sprinkling of carbon parts goes missing, all you will likely get back is book value on a standard car!
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If you all want a laugh, i put under seat storage drawers on my last golf (an £55 factory option) and the insurer i had at the time said they wouldn't insure it because it was modified, i said its a drawer under the seats to put CD's in, they point blank refused to insure it meaning i had to cancel the policy, lose the years no claims bonus and then move to Adrian Flux which was more then twice the price that Direct Line were had i not got a flipping storage drawer!
Yet again on the new Golf which should be here in 2 weeks, it looks like i will have to cancel the policy and insure with another company losing yet another years no claims bonus. And to top it off they recommended i keep the car insured under that policy (to keep the years no claims till the end of the policy) and take a new one out on the new car with a competitor even though i will no longer own the old car that Direct Line insure. I said, do you realise one of the basic points of insurance is that you can not insure something which isn't yours to insure.
That is the type of idiots at insurance companies you have to deal with these days!!!
Fuc#ing insurance companies … don’t start me!!!!!!!!!!!!!! :evil: :evil: :evil: :evil: :evil:
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As far as I'm concerned, "modifications" means stuff you do to the car after it's delivered to you. And that will be how I will interpret any such question. If they want to know which factory-fit options the car is coming with, then they'll have to ask me that, and if they ask, I will tell them.
Colleague here is getting a Passat CC today - he said that the insurance docs for his Skoda (56 reg) had his upgraded alloys and Sports suspension listed as factory fit even though he didn't tell them.
Presumably goes into the insurance database when first registered - learn something every day!
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Just incase i didnt sound hacked off im my last post, have just been down to Tesco on my lunch break to come out to find some bast@rd has done a hit on run on my car in the car park. There is fu@k all paint on the front and will need a full respray on the front.
Its bright red, washed yesterday and completely sunny ... how the fu@k can someone miss it, then drive into it and not bother to leave a note!!
Excuse me while i pour myself a vodka at work!!!
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What !? No !?
You got a MK6?
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what a complete (unt, see if you can get the CCTV footage off tescos so you can report them/find them.
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No its an MKV, if it has been my new GTI im picking up in 2 weeks, after consolling myself i would be on a warpath to kill someone!! :angry:
I had a look when i was there and can't see any CCTV cameras that would cover it so i think im screwed!! I mean i park at the back so people don't park next to me and they still manage to that and then blinking crash into me!
Sorry for getting a bit off topic on this post, just felt i had to vent some anger to feel better! :rolleyes:
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no problem, i would be the same, there are so many w@nkers out there that do this kind of stuff its ridiculous. you'll probably find it was some chav girl on her lunch break, hit you with her peugeut piece of sh1t and then drove off feeling not an ounce of guilt. people like that should be shot.
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just for the record, you must declare ALL optional extras, otherwise if your car goes walkies.. you only get a basic spec replacement.. as they add to the value of the car.
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On the hit and run topic - the world is full of first class c0ck suckers. I always park as far away as possible when I go to Tesco, where there are as few cars as possible. More often than not you come back to find that someone has parked a f#cking pikey-wagon about 3 inches from your car. T0ssers.
Re: insurance companies - mostly they are all w@nkers. I have been using Admiral lately as they are way cheaper than anyone else. Had to make a claim about two years ago and they royally shafted me. I ended up paying about 50% of the claim because many of the parts replaced were mechanical and subject to 'wear and tear'. Don't get me started.
When I switched to the GTI this year, they specifically asked me if the car had any factory options fitted. I listed the main ones (18" Monza's, Xenons, MFSW etc). The bloke on the phone didn't even know what Xenon headlamps were. HELLO!!!! Gave up in the end. I listed all the stuff, just hope they recorded the phonecall in case there is an issue. Didn't affect the price, but they did say that in the event of a repair they only replace to the same spec as the car came out of the factory so any other 'retro fit' mods are not covered.
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just for the record, you must declare ALL optional extras, otherwise if your car goes walkies.. you only get a basic spec replacement.. as they add to the value of the car.
Well that does make sense, but to suggest that a car is more dangerous because it has the ACC or the 18" wheels seems a bit silly.
I would assume that they would ask separately about factory-fitted options and post-delivery modifications - if someone just asks me about "modifications" I wouldn't instinctively tell them about the sun roof or the ACC or indeed the pearlescent paint, because to me these are not "modifications".
Didn't affect the price, but they did say that in the event of a repair they only replace to the same spec as the car came out of the factory so any other 'retro fit' mods are not covered.
That does sound perfectly reasonable.
Rolfe.
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I always thought modding a car was what we added as extras after we had received it ie not put on at the factory, however I can now see why it might be classed as additional packs we add as it is obviously putting the cost of the car up.
However............
What would happen in a years time if I bought a Golf second hand and was asked if it had been modded in any way?
How would I know that the luxury pack, RCD510, camera, 18" alloys, storage pack, winter pack in fact anything on the car, wasn't meant to be included in the original specced car?
Its all very well us buying new cars just now and knowing exactly what is being added as extras but Joe Bloggs in a year or so won't know especially since spec changes all the time?!
Steven.
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Well, we've paid for these items in the price of the car. Presumably they ask the price of the car, and that is part of what affects the insurance quote. I'm not 100% sure why they would need to know what we'd actually got for our money, unless it was to clarify what was actually insured should we ever make a claim.
Rolfe.
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Well, we've paid for these items in the price of the car. Presumably they ask the price of the car, and that is part of what affects the insurance quote. I'm not 100% sure why they would need to know what we'd actually got for our money, unless it was to clarify what was actually insured should we ever make a claim.
Rolfe.
Totally true, they always ask the value of the car ... why bother if it is only a factory base model car they will replace you with as they know the price of that anyway!!
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Well, we've paid for these items in the price of the car. Presumably they ask the price of the car, and that is part of what affects the insurance quote. I'm not 100% sure why they would need to know what we'd actually got for our money, unless it was to clarify what was actually insured should we ever make a claim.
But in 3 years time your car is worth 50% (or whatever) at market value but your options typically (but not always) depreciate at more like 75-100% in that time, and they will only give you market value if it's nicked/written off so they need to know what the options are.
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Like I said earlier as far as I'm concerned mods are added after the factory and need not be declared. They have your reg no and have access the the database that lists exactly what the car has when it left the factory. They have the value of the car. Thats all they need to know. After market mods should of course be declared.
I can see that some unscrupulous insurance co's will use any trick at their disposal to wriggle out of a full payout.
As for GAP if its a 'back to invoice' policy it should cover the factory options.
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Back on topic... how the hell am i going to get insured at that price!! :cry: :cry:
So who has modded their mk4/5/6 and found a reasonable insurance company who do so??
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Dude - to be brutally honest if I were an insurance company and you came to me with 8 points and a remapped engine, I wouldn't insure you either!
When do the points come off? Perhaps wait till you're down to 3 points before the remap?
Picking up some of the earlier points, there must be a link between items such as remaps and a greater probability of accidents, or big alloys and morw theft which means that these can jack up the insurance premium.
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Back on topic... how the hell am i going to get insured at that price!! :cry: :cry:
So who has modded their mk4/5/6 and found a reasonable insurance company who do so??
I'm sure you know my car :wink:
I declared ALL of my modifications down to the seat inserts and footrest.
Insured through Adrian Flux....£520 fully comp, with £250 excess and like for like replacements of all my mods should the car be written off 44 yrs old with full NCB, no points and the car garaged. :cool:
Sometimes it is good to be "mature" :wink:
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Dude - to be brutally honest if I were an insurance company and you came to me with 8 points and a remapped engine, I wouldn't insure you either!
When do the points come off? Perhaps wait till you're down to 3 points before the remap?
Picking up some of the earlier points, there must be a link between items such as remaps and a greater probability of accidents, or big alloys and morw theft which means that these can jack up the insurance premium.
My points were not for speeding or anything but a mix up with insurance for the work van, where I feel i shouldnt of had the points anyway :undecided:.
Other than that I have been driving for 10+ years and never claimed on my insurance, never been involved in an accident that was my fault. Since the age of 18 I have usually driven relatively powerful and fast cars, and very rarely drive as i should :lipsrsealed:. Why wouldnt you insure me??? :evil:
In theory im coming down from a more powerful car to a less powerful one also... no to mention the 5yrs ncb I have!! not a happy bunny here :embarassed:
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Back on topic... how the hell am i going to get insured at that price!! :cry: :cry:
So who has modded their mk4/5/6 and found a reasonable insurance company who do so??
I'm sure you know my car :wink:
I declared ALL of my modifications down to the seat inserts and footrest.
Insured through Adrian Flux....£520 fully comp, with £250 excess and like for like replacements of all my mods should the car be written off 44 yrs old with full NCB, no points and the car garaged. :cool:
Sometimes it is good to be "mature" :wink:
Cheers Hurdy!! yes my next port of call was to be the mk5 board as Im quite familar with you modding nuts over there :grin:
Adrian flux has been mentioned a few times actually so rings a bell. Will give them a call later and see what they can do for me :smiley:
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Have you tried Greenlight?
R32UK, have you given Greenlight a call? The specialise in hot hatches and modded cars, its who Im with and they are very reasonable.
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Have you tried Greenlight?
R32UK, have you given Greenlight a call? The specialise in hot hatches and modded cars, its who Im with and they are very reasonable.
cheers alan!! will add them to my list of companies to call :wink:
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Spoke to bell insurance last night. They came out cheapest on a confused.com search at 386 quid. Talking it through with their call centre (US based so could call up to 11pm) it turns out I had to declare all the optional extras I specced on the car. This, as others have said, is so that in the event of a claim they will cover any extras I've added over standard spec.
Declaring all that (see my signat) added about 50 quid to the premium.
Gonna check with admiral and elephant (though I think they're all part of the same group) as well since I want to do the 10mth ncb accelerator.
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Just remember keelaw the 10mth thing means your insurance is only for 10months and not the full year... great for building up ncb though.
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Just remember keelaw the 10mth thing means your insurance is only for 10months and not the full year... great for building up ncb though.
Lol - give me some credit!
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After trying every company mentioned on this thread and few suggestions from over on the MK5 board I didnt manage to find one company that would insure me for under £2k!! :embarassed:
the problems being sighted were mainly down to most insurance companies staying away from anyone with more than 7 points, and the fact that the car has a different registered owner and keeper. The Revo map and aftermarket wheels obviously dont help the situation.
So I went back to my current insurance company (kwik-fit) and they said that should I stay with them and change the car then my premium would could down by £16 per annum :laugh: What a result!! roll on next friday :cool:
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I'm looking to buy a new white 5 door gti. Current policy is with DirectLine so although their website gives out insurance premiums for the standard spec car I wanted to run by them the issue of factory options.
Buying new
If YOU add ANYTHING over and above the standard spec (including heated seats, wheels etc etc) then this MUST be declared. However, not every modification with attract an additional premium - they will decide that and let you know!
Buying second hand
It is obvious from all the current gtis for sale from the dealers (used) have factory fitted options. However, if you dont know that extras have been added and have not been told about the extras then as far as you are concerned it is a standard car and you continue on that basis. You cannot expect to know something that you have not been told.
There you have it.
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Just got my renewal quote through for the GTI... was paying £1300. Renewal quote from same company.. £3953. :shocked: :embarassed:
Only 2 days to find a new company.. :sad:
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Just got my renewal quote through for the GTI... was paying £1300. Renewal quote from same company.. £3953. :shocked: :embarassed:
Only 2 days to find a new company.. :sad:
Is that just because of the remap???
Ouch.
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Just got my renewal quote through for the GTI... was paying £1300. Renewal quote from same company.. £3953. :shocked: :embarassed:
Only 2 days to find a new company.. :sad:
Is that just because of the remap???
Ouch.
No .... i wouldnt have thought so. They knew about the remap from when I changed my old policy to this one :undecided:
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Just got my renewal quote through for the GTI... was paying £1300. Renewal quote from same company.. £3953. :shocked: :embarassed:
Only 2 days to find a new company.. :sad:
Is that just because of the remap???
Ouch.
No .... i wouldnt have thought so. They knew about the remap from when I changed my old policy to this one :undecided:
Let us know how you get on. I'm still on the fence about remapping. I'd love to do it but - so many consequences....
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Woooo HOOoooooo!!!! just got cover with RAC - £550 :laugh: :laugh: :laugh:
Over the moon with that.. seeing as all other quotes were over £2k... bug in the system???? who cares :grin:
that includes remapped and modded wheels also :cool:
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Woooo HOOoooooo!!!! just got cover with RAC - £550 :laugh: :laugh: :laugh:
Over the moon with that.. seeing as all other quotes were over £2k... bug in the system???? who cares :grin:
that includes remapped and modded wheels also :cool:
Well done. looks like a good weekend (month even) for you.
Did you find certain companies that didn't want to know (silly quotes) because of the remap?
Which ones?
I want to go for it .
But.......
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Well done. looks like a good weekend (month even) for you.
Did you find certain companies that didn't want to know (silly quotes) because of the remap?
Which ones?
I want to go for it .
But.......
Yes.. the key is just to shop around. Lots of insurance companies dont even know what a remap is strangely enough. I used confused.com as a starting point, as they let you declare moddifications to begin with. A good idea is to add a parent to the policy as a named driver as this does bring the premium down also :wink:.
p.s. Dont let a couple of companies not allowing remaps to knock you... there plenty out there where it hardly affects the premium.
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How you getting it so cheap Gilly? :laugh: Mines up in April, and cheapest i can find is £2,500. That's on the 160ps TSi, I'm 25 with 5 years NCB and I also added a parent onto the policy to try and get it down. I was looking at getting it Revo'd but it's already too expensive to insure
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How you getting it so cheap Gilly? :laugh: Mines up in April, and cheapest i can find is £2,500. That's on the 160ps TSi, I'm 25 with 5 years NCB and I also added a parent onto the policy to try and get it down. I was looking at getting it Revo'd but it's already too expensive to insure
Without pee'in on your bonfire further... i have 8 points also :laugh:. tbh mate i dont know how they gave it to me that cheap. Out of 87 insurers only 4 provided me with a quote for some reason or another. 3 of them were £2k+ and the RAC one was £550!!
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Well done.
Insurance is a funny thing, I had a quote of £150 p/a for 1 of my cars but I'd only been driving a little over a year... :huh: :laugh: For a 2.0L, 4wd it wasn't a bad quote :evil:
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No need to rub it in is there pal??? :laugh:
I've got no points and still I'm getting expensive quotes back, what's the excess though pal? I did get a quote for £900 but the excess was £3000 :huh:
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No need to rub it in is there pal??? :laugh:
I've got no points and still I'm getting expensive quotes back, what's the excess though pal? I did get a quote for £900 but the excess was £3000 :huh:
I think it was £250 - £300. cant remember exactly but it wasnt that high. I would defo say try confused as a starting point, then moneysupermarket... and even adrian flux who insure a number of heavily modded drives on this forum (mention the site for discount). Then its all about spending an afternoon on the phones.... :smiley: