Hey Tom,
with us the alloys will usually make little/no difference and in fact as you have found we can often get
better deals on modified cars. Yeah you may sometimes find a slightly cheaper deal elsewhere from a more mainstream insurer on a standard car but chances ar you will pay for it if/when you do come to modify the car, still let me know of any cheaper deals you get (preferably with the alloys as we would certainly hope to be cheaper with them declared!)) and i will try and twist the renewals managers arm a bit for you.
Unfortunatly an outstanding claim
is likely to count against you though as most insuers consider you guilty until proven innocent
It is possible to buy laid up/fire & theft only cover although the policies we have for this are only for an annual contract and if the car is garaged.
I really hope the Thatcham conversation was not with us
? although HIC do pride themselves on a large % of the staff being car enthusiasts (sadly not ALL into vw's tho as hard as i try to convert them) its just not possible for everyone to be so, although i would expect everyone on the phones to have enough of an understanding to know what you meant with the security
