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General => Insurance => Topic started by: huxtable on 14 November 2011, 20:54

Title: Modded car & insurance
Post by: huxtable on 14 November 2011, 20:54
Posting here as well as in Insurance section so can get views from bigger audience.

Basically my MK4 Golf GTI has about 7 modifications to notify insurance about ...

1)  Engine remap (stage 1)
2)  Bigger turbo (K04)
3)  Front mounted intercooler
4)  Carbonio CAI filter
5)  19" wheels
6)  Uprated front brakes
7)  Dump valve

I know several people are saying insurance is going up but is it really worth paying £800 insurance per yr on the above when a standard Golf MK4 GTI comes in at less than £300?  I got quoted £10,250 by one company  :shocked:

My question is to get the insurance down should I remove mapping on the engine & dump valve - would the insurance drop considerably by removing these mods?  Does anyone have any advice.  Thanks.
Title: Re: Modded car & insurance
Post by: scarr89 on 14 November 2011, 20:58
Hey zues Christ!

 :shocked:

Bet you could get a non modded car with similar power on the insurance for cheaper!
Title: Re: Modded car & insurance
Post by: km on 14 November 2011, 21:26
800 is cheap, i paid 2.5 when i first got my golf! im sure there are others who have paid more. so just pay it :tongue: it will be worth it im sure!
Title: Re: Modded car & insurance
Post by: mcgee9t2 on 14 November 2011, 21:37
im paying over a grand  :cry: and insurance is up next sunday  :sad:

as for will it be cheeper, dont know, try and get a quote, everyones is different, ide say yes but not by a massive amount
Title: Re: Modded car & insurance
Post by: huxtable on 14 November 2011, 21:47
Forgot to mention I'm nearly 38 ..... not like I'm 20  :laugh:

What's annoying is an R32 insurance is £360 .... and a 1yr old RS Focus worth £20k+, insurance group 19 and over 300bhp comes in at £450 ...
Title: Re: Modded car & insurance
Post by: Wayne on 14 November 2011, 21:55
Try: http://www.brentacre.co.uk/

I am a little younger than you but they sorted me a cracking deal.
Title: Re: Modded car & insurance
Post by: james2 on 14 November 2011, 22:37
how many years no claims you got. iv got 15 years+. e sure is cheap. :wink:
Title: Re: Modded car & insurance
Post by: huxtable on 14 November 2011, 22:48
Been driving 20yrs ... 15yr+ no claims, no points

I've been checking the other posts out & have a few companies to try in the morning so hopefully I can get something sorted without having to sell it because the insurance quotes so far have been ridiculous.  One other thing that has now become apparent is if I do decide to sell car (insurance up in 2 weeks) but don't insure it, I should then SORN it .... but how does that work when someone wants to test drive a car before buying it - with no tax or insurance?
Title: Re: Modded car & insurance
Post by: skyinsurance on 15 November 2011, 09:06
First things first, how many insurers (specialists) have you tried?

Also, what is your postcode?

The main loadable modifications are the turbo, remap, FMIC and the induction kit, in that order in terms of percentage loadings.

Ollie
Sky Insurance
Title: Re: Modded car & insurance
Post by: huxtable on 15 November 2011, 14:03
Live in Lincolnshire ... best quote so far is £670 (£500 excess  :undecided:)- still got a couple more specialist companies to try
Title: Re: Modded car & insurance
Post by: swanny on 24 November 2011, 13:21
Quote from: james2 on 14 November 2011, 22:37
how many years no claims you got. iv got 15 years+. e sure is cheap. :wink:

Just tried E-Sure , got quoted £790

Age 49
Full no claims (20+ years)
no points
Living in Milton Keynes

Crazy money.............................. :sick:
Title: Re: Modded car & insurance
Post by: Dan_GTi8v on 25 November 2011, 20:04
Give sky a ring, 20% forum discount plus they just insured me for £740 on a 1.8t mk3 with a ton of mods. It turned out to be cheaper than most well known insurers wanted for my car when it was standard!