Modified car insurance

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Trojantrow
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Modified car insurance

Post by Trojantrow » Fri Apr 13, 2018 3:01 pm

So...struggling to get reasonable priced insurance when I want to declare the mods I'm wanting to do in the very near future(this summer).

Does anybody know where I can go thats better than comparison sites.cos all i get is same companies coming up at £850

That's just declaring suspension.

No convictions 13 years no claims. I'm 30


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AndyBish135i
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Re: Modified car insurance

Post by AndyBish135i » Fri Apr 13, 2018 3:06 pm

I got mine through forum sponsor Chris Knott.

Very competitive and easy to deal with :)

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Barney McGrew
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Re: Modified car insurance

Post by Barney McGrew » Fri Apr 13, 2018 3:11 pm

Who have you tried so far.

There are quite a few companies that are 'mod friendly', places like Adrian Flux, Chris Knott and Greenlight to name a few for starters.

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marco_polo
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Re: Modified car insurance

Post by marco_polo » Fri Apr 13, 2018 3:16 pm

Sky Insurance
A-plan
Aviva
Elephant
Chris Knott
Brentacre
Privilege
Esure
Admiral
Silver F21 M135i - ManBox - HK - Adaptive + Eibach Pro's - BBS CH-R's - BMWP Drexler LSD - M4 LCA's

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Trojantrow
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Re: Modified car insurance

Post by Trojantrow » Fri Apr 13, 2018 4:05 pm

Wow.brilliant response

Comparison site came up with admiral

Waiting for a call back from Adrian flux.

Obviously I will try the others listed as well. That's great thanks for the replys.

Do you think I need to mention m3 LCA,s and any part that look OEM??

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Sonic1506
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Re: Modified car insurance

Post by Sonic1506 » Fri Apr 13, 2018 4:43 pm

marco_polo wrote:
Fri Apr 13, 2018 3:16 pm
Sky Insurance
A-plan
Aviva
Elephant
Chris Knott
Brentacre
Privilege
Esure
Admiral
Adrian Flux also but they always seem to be ridiculously expensive for me.

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paulathome
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Re: Modified car insurance

Post by paulathome » Fri Apr 13, 2018 10:17 pm

I switch between A-plan, Chris Knott and Sky
Paid £300 with mods declared
Paul
BMW 135i M Sport N54, Black, Lemon Boston Interior 2010
Previously :
Subaru Impreza STi Hatch WRB 2008
Mitsubishi Lancer Ralliart Black 2010
Ford Focus ST Colorado Red 2007
Ford Mondeo ST220 Performance Blue 2005

NL-Mike
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Re: Modified car insurance

Post by NL-Mike » Sun Apr 15, 2018 8:57 am

Do you guys use the websites or phone insurance companies up? Via the comparison websites just adding wheel spacers as a mod it increases quotes from around 600 to 1400 a year.. Not worth getting them for 800 extra a year ;)

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marco_polo
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Re: Modified car insurance

Post by marco_polo » Sun Apr 15, 2018 9:03 am

I compile a short-ish list from various web-searches, it's usually fairly obvious who doesn't want my business.

From there it's best to ring up and have a chat, they can sometimes improve on their quotes.
Silver F21 M135i - ManBox - HK - Adaptive + Eibach Pro's - BBS CH-R's - BMWP Drexler LSD - M4 LCA's

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NL-Mike
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Re: Modified car insurance

Post by NL-Mike » Sun Apr 15, 2018 10:59 am

Ah that's good to hear, first car I'm insuring in my name in the UK so good to see what's the best way to get a good deal. Thanks!

Trojantrow
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Re: Modified car insurance

Post by Trojantrow » Sun Apr 15, 2018 12:17 pm

Some good info on here....especially when people think comparison sites are the be all and end all.

I used to think you could probably get things cheaper by shopping around and spending loads of time for just £50 cheaper and it's not worth the time.

Looks like this isn't the case and it definitely.worth the time

If we all had insurance at the same time. We could group by policies maybe.lol. that would be good.

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steve o
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Re: Modified car insurance

Post by steve o » Thu Apr 19, 2018 8:16 am

Thought I'd just add to this and give a shout out / thanks to Adrian Flux.

I've had an unmodified 120d MSport for a year now and have been itching to do some bits to it (nothing major, full maxton lip kit, M135i exhaust conversion and aftermarket wheels). I'm due for renewal of insurance in 2 weeks, so thought now is the time to do the mods and declare them in the same step (rather than pay admin and uncontrolled premiums at the same time).

So I hit the comparison sites.

My unmodified renewal was £380 and that was pretty much what was coming out on comparison sites. I'm 37, driving 20 years with full no claims and use my car for business. I protect everything and always take legal cover and try to keep my excess as low as possible, in this case £200.

With the basic mods above, the comparison sites were hitting me with £500 increases for what are essentially nothing more than styling mods. Subtle ones at that. And the minimum excess was usually at least double my renewal.

So I called Adrian Flux yesterday. They wanted an extra £30 for the mods declared and same level of cover, albeit my excess went up £50 to £250.

I used to be with Adrian Flux for many years as a 20 something lad with fast modified fords and they always sorted me out.

Top result. Cheers Adrian Flux. :thumbs:

Rhys.burley
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Re: Modified car insurance

Post by Rhys.burley » Thu Jul 26, 2018 2:15 pm

Admiral or Aviva always best for me

masai
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Re: Modified car insurance

Post by masai » Mon Aug 06, 2018 10:04 am

marco_polo wrote:
Fri Apr 13, 2018 3:16 pm
Sky Insurance
A-plan
Aviva
Elephant
Chris Knott
Brentacre
Privilege
Esure
Admiral
Saved this list for next year. Cheers MP!
2013 Alpine White M135i

Torquey
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Re: Modified car insurance

Post by Torquey » Sun Sep 23, 2018 7:27 pm

I was with Chris Knott for a couple of years but went with LV this year as there were quite a bit cheaper.

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