GolfGTIforum.co.uk
Model specific boards => Golf mk5 => Topic started by: Greenouse on 24 April 2008, 15:38
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Rang my insurer's earlier today (Privilege) to inform them I was changing my number plate to my personal plate. Thought I'd do the honest thing and tell them I had installed a Milltek cat back system. The robbing fu**ers have charged me an extra £57!!! That equates to nearly 10% of the premium. I find this totally unacceptable for a mod which offers little or no gain in performance. :angry:
As I was racked off to say the least, I asked what difference a re-map from 230 to around 300 would make, and to add insult to injury they said only £140 :shocked: A mere £90 more than a mod which has virtually no performance gains!! Yes they bang on about visually improving the car, but who the hell would spot it, unless you pointed it out? (apart from most of you lot that is!)
What gets my goat up is that these people refuse to treat you as an individual, and are unwilling to take you on that basis. I have a no claims record going back over ten years! And they still feel the need to rob you blind at any given opportunity. OK £57 is not a great deal of money, but compared with the premium, and my claims history/age etc I feel they are taking the pi**.
What kind of money have you guys had to pay for mods? I've gotta be honest it's putting me off doing any more to the car! Why should I line there already bulging pockets!! :angry: :angry: :angry:
Rant over, step down from soap box! :smiley:
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i agree, however its not just because of performance, it also comes down to how much they have to pay to repair the car, if the car is more likely to get broken into, stolen etc etc...
£57 is nothing and id be happy, but then im young so i expect to get an answer like "you do that and we cannot insure you" answer..
couldnt think what they would say if i mentioned a remap.. lol
(tesco) :rolleyes:
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i agree, however its not just because of performance, it also comes down to how much they have to pay to repair the car, if the car is more likely to get broken into, stolen etc etc...
£57 is nothing and id be happy, but then im young so i expect to get an answer like "you do that and we cannot insure you" answer..
couldnt think what they would say if i mentioned a remap.. lol
(tesco) :rolleyes:
I don't know exactly Steve, but I'd be amazed if the VW part wasn't near the £400 mark :huh:
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i was with privelege for my ST, and was only charged £80 for remap, intercooler, brakes etc, but then one year they said they couldnt insure me anymore, and in fact shouldnt have renewed me last time ??!!!, i have never had a claim and have nearly 20 years ncb with no fines or points etc!!, really couldnt understand why the wouldnt renew !!.
one thing i have noticed about the ED30 though is the remap costs at least double for the extra as to what it did for the ST to insure (i.e £80 for remap on ST and £155 on the ed30)
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It might be worth trying other insurance companies. My hubby insures his Scooby with A Plan (as recommended by his club site) and was charged no extra when he informed them about a full Prodrive exhaust, remap and suspension mods. They were also much cheaper than the best price found by confused.com even when standard :cool:
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well thats made my mind up, im not modding the car. i wounder what hurdys mods all come to for additional premium?? as hes modded the most i would say, or maybe gaz's ed30 aswell?? :undecided:
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Everytime this subject comes up I say the same thing. Forget the direct writers and get yourself a good broker.
The direct boys have no underwriting skill and the monkeys you talk to are nothing more than order takers. Get a broker that understands your risk, as they generally have a good relationship with actual underwriters (which I am)at the insurance company.
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as i said in an earlier thread, try Greenlight, they were £80 cheaper than morethan for me even with bluefin remap. :laugh:
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Again greenlight did me good, Adrian Flux wanted £720, Green light was under £500.
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I'll give them a go come renewal time. Cheers guys :smiley:
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well thats made my mind up, im not modding the car. i wounder what hurdys mods all come to for additional premium?? as hes modded the most i would say, or maybe gaz's ed30 aswell?? :undecided:
Mine is about 100 quid more with everything declared with adrian flux
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Rang my insurer's earlier today (Privilege) to inform them I was changing my number plate to my personal plate. Thought I'd do the honest thing and tell them I had installed a Milltek cat back system. The robbing fu**ers have charged me an extra £57!!! That equates to nearly 10% of the premium. I find this totally unacceptable for a mod which offers little or no gain in performance. :angry:
As I was racked off to say the least, I asked what difference a re-map from 230 to around 300 would make, and to add insult to injury they said only £140 :shocked: A mere £90 more than a mod which has virtually no performance gains!! Yes they bang on about visually improving the car, but who the hell would spot it, unless you pointed it out? (apart from most of you lot that is!)
What gets my goat up is that these people refuse to treat you as an individual, and are unwilling to take you on that basis. I have a no claims record going back over ten years! And they still feel the need to rob you blind at any given opportunity. OK £57 is not a great deal of money, but compared with the premium, and my claims history/age etc I feel they are taking the pi**.
What kind of money have you guys had to pay for mods? I've gotta be honest it's putting me off doing any more to the car! Why should I line there already bulging pockets!! :angry: :angry: :angry:
Rant over, step down from soap box! :smiley:
i pay £375 per month.
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i pay £375 per month.
you must be crazy :laugh: :grin:, thats what i paid on my old car for the whole year
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holy god!!! jesus, your mad. Thats half a morgage!
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! I thought I was crazy when I paid £200/month to jump on a 600cc sportsbike after passing my DAS, and Im old(ish)!
its only money :grin: enjoy
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200 quid a month on bike insurance :laugh:, mines 100 quid a year on a 900 Ducati
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holy god!!! jesus, your mad. Thats half a morgage!
well that does include the escort cossie, as well as my golf gt tdi and work landrover. Im 24. so thats why.
it works out to about £3200 for the year! but what can i do.
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holy god!!! jesus, your mad. Thats half a morgage!
well that does include the escort cossie, as well as my golf gt tdi and work landrover. Im 24. so thats why.
it works out to about £3200 for the year! but what can i do.
Take the bus!, i would at that price!. Take my hat off to you, thats alot of money for just insuring a couple of cars!
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Gaz
They know that you will only cover about 100miles on a Duke in a year between breakdowns :evil:
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Ha Ha, your not far off the mark though :laugh:
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The big boys are rubbish with modifications. Check our insurance section and see if Martin can be of any help.
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ah Ducati :laugh:
would love a 1098 or an 848 in white