GolfGTIforum.co.uk
Model specific boards => Golf mk5 => Topic started by: SteveP on 25 August 2008, 18:32
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Evening All,
It's that joyous time of year for insurance renewal :angry:
My current insurer wants £950 which is £350 more than last year (plus an increased excess of £850) because of my recent mods.
I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K :shocked: and had a distinct lack of customer service.
I have tried Greenlight as I remember post positive posts on them before the recent forum crash who have given me the best quote of £597 with £350 excess.
Anyone else got any recommendations on mod friendly insurance companies?
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i hear adrian flux are quite mod tolerant....also I am with Diamond they have been good thus far, I have milltek etc they also only wanted £103 for covering REVO stage 1. I think you can add mods in on line and you get a quote, though not sure how extensive that facility actually is.
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i hear adrian flux are quite mod tolerant....also I am with Diamond they have been good thus far, I have milltek etc they also only wanted £103 for covering REVO stage 1. I think you can add mods in on line and you get a quote, though not sure how extensive that facility actually is.
Cheers NGCAA, I believe HIC and Adrian Flux are owned by the same people.
Also aren't Diamond women only? :undecided:
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LOL I thought that too, :D then they came up with a cracking quote.
I've just had a look downstairs and can confidently state I am definately a bloke :)
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i hear adrian flux are quite mod tolerant....also I am with Diamond they have been good thus far, I have milltek etc they also only wanted £103 for covering REVO stage 1. I think you can add mods in on line and you get a quote, though not sure how extensive that facility actually is.
Cheers NGCAA, I believe HIC and Adrian Flux are owned by the same people.
Also aren't Diamond women only? :undecided:
They market themselves as specialising in women's insurance, but are not allowed by law to discriminate the market in such a way I think!!
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You could try Swinton insurance. They are a broker, but will look for specialised cover for modded motors.
I went with Adrian Flux and quoted that I was a member of UKMIV's as you get an extra discount by mentioning them (think it is 15% from memory). £585 for all my mods declared and only £150 excess. They are linked to HIC and so your quote may come out the same, but it is worth a shot as by mentioning UKMIV's they may give a more sensible quote anyway.
You must remember:-
I'm "mature"
No points
Full NCB
Live in a low crime rate area.
If you aren't I'm afraid you'll get "raped" by most insurance companies :sad:
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You must remember:-
I'm "mature"
No points
Full NCB
Live in a low crime rate area.
If you aren't I'm afraid you'll get "raped" by most insurance companies :sad:
Cheers Hurdy, I match most of the criteria (just one 4 year old 3 point SP30) but drive 25-30K miles per year which make a big difference with most insurers.
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Just had my renewal from Adrian Flux and also phoned Chris Knott, both of whom offer a discount if you mention a car club/forum. Chris Knott are offering to beat any renewal or other quote you get by at least 10%.
It's a bit of a case of playing one against the other but also playing your cards close to your chest, both will try to squeaze as much info out of you as possible. They will certainly ask you to telll them the best price you've been quoted, I only ever tell them to give me a quote that they think will win my business - I hate to tell them too much.
One thing I found with AF this year is that everytime I phone them they say 'can I just confirm your email address and mobile number' to which I reply 'no because I never gave it to you' :wink:
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SteveP iv'e got 9 point's so i had to do a lot of searching. 1 thing i found which suprise'd me was i did a search on all of the search engine's thinking this would be best price. and i was flipping between me and the mrs to find the difference i was finding it cheaper to be a named driver, anyway back to my point a few of the on-line form's kept crashing and i found ringing companies up was working out far cheaper than on-line :shocked: same companies exact same policy would sometime's be £200 cheaper.
try sheila's wheels they are mod friendly but try on the phone. :smiley:
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this guy may be worth giving a call.
http://www.tyresmoke.net/forum/tuning-tuners/108350-motor-insurance-tyresmokers.html
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tesco actually seem to be ok, no charge for mods which dont put up bhp. and then bhp is worked out depending on brackets... worth looking into as they r cheep to begin with.. even their value cover... which im on
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Cheers Guys for all you suggestions, will hit the phones in the morning. :smiley:
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Always used to search www.moneysupermarket.com but then found www.confused.com which resulted cheaper insurers.
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Don't forget that the majority (if not all) of the mainstream insurers only replace modifications with standard parts. I've also found in the past as well that if you plan on doing lots of mods the mainstream insurers aren't competitive at all, and some won't even cover certain mods. So if you're planning on modding heavily in the future, bear this in mind.
The specialist insurers lkike Greenlight, Adrian Flux etc. replace like-for-like so your mods will be covered and replaced if necessary. I'm with Greenlight at the moment but have also been insured with Adrian Flux in the past and AF's system of declaring mods was a complete nightmare - I had to fill in a paper form detailing the exact modification, date fitted, details of who fitted it, cost etc. and it took ages. If I added a mod I had to fill in the COMPLETE form again, I couldn't just add the new mod to their database because they relied on the paper forms for keeping records of the mods declared! Now they might have come out of the dark ages now and gone to a more computerised system but it really was a nightmare filling that form in as I had quite a lot of mods.
When I was with Adrian flux I was actually insured with Highway. Once my car got to a certain point they wouldn't insure me anymore because the car was too powerful (apparently). So I switched to Greenlight, got the paperwork through and found that I was insured with.......Highway! So they would cover me through Greenlight but not through Adrian Flux. Doesn't make sense to me!
I've been insured with Brentacre in the past too, although they weren't very competitive when I got a newer car and tended to favour older cars at the time, but it's worth giving them a try.
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....^Quality info, Golfgirl! :cool: :cool:
I didn't realise that most insurers only covered replacement with standard parts, so am thinking of changing insurer. Am I right in thinking that the best time is when my existing policy is up for renewal rather than mid term?
Also, my insurer hasn't added any costs for my 3+3 = 6pts - Is that likely to increase my costs with a new insurer?
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....^Quality info, Golfgirl! :cool: :cool:
I didn't realise that most insurers only covered replacement with standard parts, so am thinking of changing insurer. Am I right in thinking that the best time is when my existing policy is up for renewal rather than mid term?
In my experience, cancelling a policy mid-term isn't cost effective as you normally have to pay an "admin fee". I stayed with my curerent insurer when I changed my car mid-term because even though the quote didn't work out that competitive for the remainder of the year, after cancelling mid-term and switching to a cheaper quote from someone else I would be losing out. So I'm staying with them until renewal time then shopping around again.
Also, my insurer hasn't added any costs for my 3+3 = 6pts - Is that likely to increase my costs with a new insurer?
It depends on the insurer I think. I've had points in the past and did an online quote, then went back and removed the SP30 but kept everything else the same just to see what difference it made out of interest and it did make a difference but I can't remember by how much. But the insurer I was with at the time didn't charge me any extra. I think a lot of them accept that most people seem to have at least 3 points these days.
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....^Quality info, Golfgirl! :cool: :cool:
I didn't realise that most insurers only covered replacement with standard parts, so am thinking of changing insurer. Am I right in thinking that the best time is when my existing policy is up for renewal rather than mid term?
Also, my insurer hasn't added any costs for my 3+3 = 6pts - Is that likely to increase my costs with a new insurer?
I can tell you from experiance RED that all point's add something even though they are a off your liscence with the boy's in blue after 3 year's they effect your policies for 5 year's and this is done on a sliding scale.
if my memory is correct there is only 3 or 4 underwriter's for every poicy effectively everyone else is a broker, or specialist.
1 thing that p!sse's me off. IS let's say some one scrape's down the side of your car in a supermarket car park they accept full blame not your fault what so ever, when you fill in your next policy you have to declare yes i was in a no cost accident ie all cost's recovered that still put's you in a certain catagorie limiting you to certain policies which effectively is narrowing the market for you and possibly stopping you getting the cheapest one available.
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Greenlight are very good and are very mod friendly
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I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K :shocked: and had a distinct lack of customer service.
I'm sure I'll be right in saying that you didn't speak to Martin at HIC. Ask specifically for him, or pm him on here with your phone number and a time to call you. Or even just post a thread in the insurance section and he'll look into it for you. He works bloody hard to maintain a rapport with forum users so I'm sure he'll want to know when one of the HIC staff are losing them trade!
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I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K :shocked: and had a distinct lack of customer service.
I'm sure I'll be right in saying that you didn't speak to Martin at HIC. Ask specifically for him, or pm him on here with your phone number and a time to call you. Or even just post a thread in the insurance section and he'll look into it for you. He works bloody hard to maintain a rapport with forum users so I'm sure he'll want to know when one of the HIC staff are losing them trade!
too right... whenever i have spoken to Martin he has been spot on, friendly, helpful and in my case, much better value than others.
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Don't forget that the majority (if not all) of the mainstream insurers only replace modifications with standard parts. I've also found in the past as well that if you plan on doing lots of mods the mainstream insurers aren't competitive at all, and some won't even cover certain mods. So if you're planning on modding heavily in the future, bear this in mind.
The specialist insurers lkike Greenlight, Adrian Flux etc. replace like-for-like so your mods will be covered and replaced if necessary. I'm with Greenlight at the moment but have also been insured with Adrian Flux in the past and AF's system of declaring mods was a complete nightmare - I had to fill in a paper form detailing the exact modification, date fitted, details of who fitted it, cost etc. and it took ages. If I added a mod I had to fill in the COMPLETE form again, I couldn't just add the new mod to their database because they relied on the paper forms for keeping records of the mods declared! Now they might have come out of the dark ages now and gone to a more computerised system but it really was a nightmare filling that form in as I had quite a lot of mods.
When I was with Adrian flux I was actually insured with Highway. Once my car got to a certain point they wouldn't insure me anymore because the car was too powerful (apparently). So I switched to Greenlight, got the paperwork through and found that I was insured with.......Highway! So they would cover me through Greenlight but not through Adrian Flux. Doesn't make sense to me!
I've been insured with Brentacre in the past too, although they weren't very competitive when I got a newer car and tended to favour older cars at the time, but it's worth giving them a try.
Spot on Golfgirl. :cool:
I may add that AF aren't out of the dark ages as my form took me nearly 2 hours to fill in :sick:
Like for like replacement of mods was the key service I wanted from my insurance :cool:
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I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K :shocked: and had a distinct lack of customer service.
I'm sure I'll be right in saying that you didn't speak to Martin at HIC. Ask specifically for him, or pm him on here with your phone number and a time to call you. Or even just post a thread in the insurance section and he'll look into it for you. He works bloody hard to maintain a rapport with forum users so I'm sure he'll want to know when one of the HIC staff are losing them trade!
Fair comment Topher, I will give Martin a try.
Edit - Gave Martin at HIC a try, very helpful guy, reduced the original HIC quote from £2.5K to just under £1K but wasn't able to get close to other quotes and was still more expensive than my renewal.
Thanks to VrStu for the recommendation of Chris Knott, there's was the best quote and cover package I could find. :smiley:
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I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K :shocked: and had a distinct lack of customer service.
I'm sure I'll be right in saying that you didn't speak to Martin at HIC. Ask specifically for him, or pm him on here with your phone number and a time to call you. Or even just post a thread in the insurance section and he'll look into it for you. He works bloody hard to maintain a rapport with forum users so I'm sure he'll want to know when one of the HIC staff are losing them trade!
Fair comment Topher, I will give Martin a try.
Edit - Gave Martin at HIC a try, very helpful guy, reduced the original HIC quote from £2.5K to just under £1K but wasn't able to get close to other quotes and was still more expensive than my renewal.
Thanks to VrStu for the recommendation of Chris Knott, there's was the best quote and cover package I could find. :smiley:
How much was did you get it for SteveP if you dont mind me asking. :smiley:
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How much was did you get it for SteveP if you dont mind me asking. :smiley:
In the end I got it for £537.70 compared to my renewal of £987 from Virgin. :shocked:
My profile is 30 years old with 3 point on an SP30, 6 years NCB, 25K miles per year social/domestic/pleasure & business use, kept on drive in medium to low risk area.
That was with a £350 total excess, protected NCB and legal, windscreen, euro travel, guaranteed loan car and like for like on Mods.
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IM jelous i pay 900 for a bog standard policy cant even claim for any dealer extra's except for the DSG. :cry:
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This price was with the 10% off best quote/renewal deal that the Chris Knott offer if you mention one of the car clubs/forums listed on their website.
The best price I got before taking this deal was from Greenlight, every over quote I had was in the range of £790 to £2500 :shocked:
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big thanks to all who recommended greenlight insurance! :smiley: been a 25 year old with 6 points and modified edition 30 i was finding it hard to get anything cheaper than £1100, and £1250 with my current provider direct line :sick:
Tried them out yesterday and cameback to me with a quote of £597 :laugh:
Happy Days
Thanks again, I feel that money saved will be a nice deposit on some new breaks and suspension! :evil:
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i was quoted £472 with £250 excess with Greenlight, but gone with someone cheaper cus i wont be remapping to justify the jump.Milltek will be covered on my new policy for less then £450
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Nice one, i cant wait for renewal this time around lol
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big thanks to all who recommended greenlight insurance! :smiley: been a 25 year old with 6 points and modified edition 30 i was finding it hard to get anything cheaper than £1100, and £1250 with my current provider direct line :sick:
Tried them out yesterday and cameback to me with a quote of £597 :laugh:
Happy Days
Thanks again, I feel that money saved will be a nice deposit on some new breaks and suspension! :evil:
10% discount at jkm on saturday james!! :wink:
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I got an excellent quote from Greenlight of £482 for 25yr old, 3 year NCB in a low risk area for 10k miles pa. Only hitch was they didn't like my gf who has only 2 years driving experience which pushed it up to £600. Still excellent considering I could have the car remapped for that price but since I'm probably not going to this year I'm still quite a bit cheaper with norwich union.
Also worth mentioning that they wouldn't cover my g/f for commuting purposes....
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Greenlight have been good for both our Golfs, wierd thing being they cost about the same to insure! Like for like mods was a bonus, worse thing is they are both due with a month of each other!