Mod Friendly Insurance for the MK5

[Hurdy]

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.

I may add that AF aren't out of the dark ages as my form took me nearly 2 hours to fill in

Like for like replacement of mods was the key service I wanted from my insurance

[SteveP]

I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K  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. 

[Top Cat]

I know the forum has a recommended insurance company (HIC), however there quote was a total joke at £2.5K  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. 

How much was did you get it for SteveP if you dont mind me asking. 

[SteveP]

How much was did you get it for SteveP if you dont mind me asking. 

In the end I got it for £537.70 compared to my renewal of £987 from Virgin. 

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.

[Top Cat]

IM jelous i pay 900 for a bog standard policy cant even claim for any dealer extra's except for the DSG. 

[SteveP]

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 

[GtiJames]

big thanks to all who recommended greenlight insurance!  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

Tried them out yesterday and cameback to me with a quote of £597 

Happy Days

Thanks  again, I feel that money saved will be a nice deposit on some new breaks and suspension!

[Saint Steve]

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

[182_blue]

Nice one, i cant wait for renewal this time around lol

[Saint Steve]

big thanks to all who recommended greenlight insurance!  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

Tried them out yesterday and cameback to me with a quote of £597 

Happy Days

Thanks  again, I feel that money saved will be a nice deposit on some new breaks and suspension!

10% discount at jkm on saturday james!!