Insurance and mods

[Blazing Storm]

Hi,

In people's experience which companies don't give silly prices if you're under 25 (I'm 22 at time of renewal next month) and have mods like sports exhaust and induction kit fitted?

Many thanks

[martinb]

Hey mate,

send me your number, i reckon we should be able to get you a good deal - those mods would make little/no difference with us.

Martin 

[Ben Lessani]

I'm with Bell - and they're happy with the mods i've declared, I'm 22 and pay 370 with tints, suspension declared.

[Blazing Storm]

I was really annoyed when Saga sent me the renewal letter saying it would cost over £20 more this year when I'm older and haven't made a claim.

I'm a little unsure what to do as I got a quote for just over £340 with Tesco without mods on a policy through my dad. I can't see getting a good deal with mods as other places have quoted over £700 because of the mods. It's tempting to remove mods for the save in money I could get.

Thanks for the offer Martin, I may well contact you soon. The renewal isn't until 27th March.

Bell was expensive for me on my own policy. It's so much cheaper going through my dad's policy though. I had hoped to start gaining some NCB but for the price difference I can't see the point in having my own policy.

 

[Ben Lessani]

I didn't get my own policy for 3 years, NCB means nothing to me, makes a minimal diff afaic. I was always on my dads/my car, on his policy on a CIS any driver deal at £500 p/y.

[martinb]

I was really annoyed when Saga sent me the renewal letter saying it would cost over £20 more this year when I'm older and haven't made a claim.

I'm a little unsure what to do as I got a quote for just over £340 with Tesco without mods on a policy through my dad. I can't see getting a good deal with mods as other places have quoted over £700 because of the mods. It's tempting to remove mods for the save in money I could get.

Thanks for the offer Martin, I may well contact you soon. The renewal isn't until 27th March.

Bell was expensive for me on my own policy. It's so much cheaper going through my dad's policy though. I had hoped to start gaining some NCB but for the price difference I can't see the point in having my own policy.

 

Insurance costs in general are rising which is why you may have found your renewal has increased a little.

£340 does sound very cheap but do bear in mind that if you are taking a policy under your dads name, if you are the owner and main driver of the car then you must disclose this otherwise you may not be covered properly anyway

yeah just drop me a pm anytime and i will check it out for you. 

[the_stink]

Im did some ringing around today to see how much my own policy would be, as im on my old mans policy and due to me being 23 (24 in 3wks) when we rang Direct Line to see how much it would change buy puting some new alloys on basically said F*** off


so i got quoted £2388, ive 0 ncd and am cursed with 3 stupid bumps and scrapes which suprize suprize has f***ed me right over

anyone one suggest some comapnies that may give a resonable price?

[mk4ad]

I used to be with hyperformance when i was pre 25, driving an st170 with zorst They were very cheap. Was paying £500 fully comp 3NCB and £100 excess. Might be worth a try 02089393940

[Blazing Storm]

I've done a few quotes and adding my dad as an additional driver reduced the price a bit. Best I have so far is just over £600 on my own policy with Elephant with mods declared and excess at £350. I'm hoping to get a quote from Martin soon though; just got to PM him at some stage. If I could get the price down I'd be a lot happier. It would be nice to start getting some NCB.

Direct Line don't like mods at all.

[the_stink]

yeah they were fully against it, i used to work for them and they always had problem with mods and charged stupid prices for having them!! im going to ring around sure ill find something good soon!!