crap insurerance

[vwkevgti]

just got off the phone with admiral and they will insure me with the ss exhaust for 671 but ive got 5 months left on the kwick fit insurance and iam  not sure how much ill get back if i cancel it i did pay cash tho i can see why people dont say anything about mods to much trouble lol

[TurboBeast]

just got off the phone with admiral and they will insure me with the ss exhaust for 671 but ive got 5 months left on the kwick fit insurance and iam  not sure how much ill get back if i cancel it i did pay cash tho i can see why people dont say anything about mods to much trouble lol

Don't jump in head first yet, give HIC a ring and see what their quote is they are usualy pretty good with mods especially one's that don't do too much to performance.

[mk4Martin]

i spoke to martin @ HIC . i am 23 with 0 NCD . golf GTI 1.8T remapped to 200bhp lowered by 30mm , 18's . declared everything got tpf for 850

[linz]

see declaring everythihg can be a pain in the butt they jus wanna rip you off for nothing

[AlanT]

sorry linz but thats a bit idiotic imo, things like colour coding or a spoiler maybe, but wheels, suspention, exhaust, etc, well thats the firts place most insurance investigators will look, because they are the most popular and most obviouse, for the sake of a few more pennies its worth the piece of mind, and you say if it was big things you would quicky take them off? what if you were god forbid put in hospital?

sorry but its people like yorself that are the reason everyone payes stupidly high insurance, just something to think about.....

[boneybradley]

I am with h.i.c with all mods listed and it was cheaper than eleswhere without the mod's..I must also add I work for a major insurer with good staff discounts that dont come close price wise!

oh and my friend wrote his skyline off, was fully comp but didnt declare any mods and they said "fk off" thats over 10 grand lost.....and if he hit someone that would've been serious!!

[richw911]

Mate of mine had a clio and was hit from behind. The clio had a renault laguna front splitter on it and the insurance company said because she didnt tell them about it that she would have to pay half towards the damage to her car!!! 

[Chris 'N' Jen]

see declaring everythihg can be a pain in the butt they jus wanna rip you off for nothing

there is a reason for that.

Generally speaking joe public wants to modify their car for either performance - more chance of crashing due to extra speed or cosmetic - more chance of getting twoked, vandalised etc.

Both of the above make the modified car a higher risk for them than a standard car, this reflects in the premium we pay. 

not to mention the boyo club who want nos on their 1.2 corsa. this is why younger drivers pay more.

 

[ghockle]

so how traceable is a remap ?
its not like theres a chip visable or something ? how does an insurance company check it ?

[linz]

i guess its each to their own

on my golf i wont be declaring anything till she finished when shes modded to show spec then yh i will declare it all