last car clio 172 380 fc mk3 gti lowered 330 fc 1.9tdi modded 850 fc wtf

[vw-8v]

how the hell is this even as standard car its 470 fully comp wtf moneysupermarket cheapest 975 admiral 850 not contacted insurer at mo adrian flux but god dam where is this comming from on a 100hp tdi the world is mad, why would it b so high with no change in cirumstances or claims ect just simple modsz on the golf side skirts, front splitter lowered with 18's on, standard modding things nothing special

[MrBounce]

how the hell is this even as standard car its 470 fully comp wtf moneysupermarket cheapest 975 admiral 850 not contacted insurer at mo adrian flux but god dam where is this comming from on a 100hp tdi the world is mad, why would it b so high with no change in cirumstances or claims ect just simple modsz on the golf side skirts, front splitter lowered with 18's on, standard modding things nothing special

Simply because your vehicle is modified. Most insurance companies are not set up to deal with this; one small mod is usually referred to the underwriters who are likely to put a 10% increase and possibly a higher excess on. Anything more and it gets complicated because the computer systems they use are simply not set up for mods. As most of their business comes from standard vehicles, it is not in their interests to do anything about it.

If your car is modified, ask a specialist about it. It is likely to be cheaper.  smiley

[vw-8v]

hmm you prob got a point but i also ran a quote on the tdi as totally standard and came bk 480 fully comp so what the feck has happened i bought this for cheaper ins and running costs seems it not working out that way at all.

[jv]

if you have a modified car you are wasting your time using on line comparison or supermarket type insurers what you need to do is speak to a few insurers who are happy dealing with modified cars and then hopefully it wont be wtf it will be super sorted great

[vw-8v]

ha ha ha fare point will start trawling the net for numbers just seems really fecking unfare for those who want to make thier cars different.

[richw911]

ha ha ha fare point will start trawling the net for numbers just seems really fecking unfare for those who want to make thier cars different.

Try greenlight 

[MrBounce]

ha ha ha fare point will start trawling the net for numbers just seems really fecking unfare for those who want to make thier cars different.

Why is it unfair? Take a look at it from the insurer's point of view then: from a real-world standing, the big companies have 99.99% of their business from standard vehicles - the people who own them are not petrolheads and do not know a dump valve from a coilover. It is simply not cost-effective for the big companies to cater for modified vehicles as it would a) need retraining for many employees, b) throw a spanner in the works as far as their basic systems are concerned and c) the amount of business they would actually gain would be negligible compared to their turnover. It simply isn't worth their while.

It is not unfair as there specialists out there who specifically cater for modifiers' needs. Just because you can't use a crappy comparison site doesn't mean you can't get a great deal. Do a bit of your own legwork and the rewards can be great.

Take a look at some of the other threads on here - you'll quickly get an idea of the companires that are worth doing business with.