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In that case, fair enough! :cool:

We call them wheel spacers funnily enough. Sorry for the sarcastic answer but this is what you get when you insure with a company who have little or no idea about modified cars.

If it is a repairable chip, a lot of insurance glass/windscreen providers will not charge you.

Re: Insurance. Fookers! (young 172/182 owners look in) We'll have a look at it and yes should be competitive. :cool:

Re: Insurance. Fookers! (young 172/182 owners look in) Within 14 days unfortunately. P me nearer the time though, no promises but I'll see what I can do.

Re: Insurance. Fookers! (young 172/182 owners look in) Unfortunately we could only do this if you are within a few days of your 21st.

Re: Insurance. Fookers! (young 172/182 owners look in) not necessarily true, we start offering fully comp polocies at age 21 and over and insure many, many 19-22 years olds.

If you feel the offer is too low then yes you should definitely reject it.

Re: Insurance. Fookers! (young 172/182 owners look in) And of course the club insurers :D

As above just phone up your insurer and let them know. Hopefully you have chosen your insurer wisely so you will not be hit with a huge increase in premium/cancellation For an engine swapped car, you need to speak to a specialist insurer. My company insure many engine swapped cars, mine...

Sounds bizarre to me! :S

They wouldn't unless you had a claim and they suspected foul play

You are speaking to the wrong insurance companies.. sounds ridiculous to me as well!

Fair play to you. The thing is, most specialists would not increase your insurance premium for any cosmetic modification, my company certainly would not load the premium for a grill!

To be fair, people who do not disclose will only have themselves to blame if they become unstuck.. Police and insurers are more and more wise to it. It seems silly to me when you can speak to a specialist insurer and usually insure your modified car for not a lot more (sometimes less!!!!) than...

yes, absolutely!!

I can confirm that the industry trend is two years before you lose it.

CORRECT. In addition, the DOC (Driving other cars) extension is does not depend on having fully comp cover, you get it with most TPFT policies as well. The industry trend is over 25s who do not work in connection with the motortrade only. A lot of companies have taken this way as people...

Be careful what you advise on a public forum as (correct me if I am wrong) you are telling this guy that he does not need to bother disclosing this modification. If this guy follows your advice and has a claim, he could potentially have a void insurance policy and no pay out for his claim...

Make sure you get a quote from my company, we are one of the official insurance providers for: www.delsoluk.com

yes, tread very carefully. If a company insures you based on 4 years NCB and then they find out at a later date that it is named driver experience or you were not the policy holder, they may ask for an extra premium or may even cancel the insurance. You may however have been (very) lucky in...

It is a good question and one hat I do not know the answer to! Yes, if you had a claim in the second vehicle (insured using mirrored NCB) your NCB on the main vehcile would not be effected. You would need to disclose the claim though. Being able to mirror NCB is a very useful tool, a lot...

no

It is hard to tell you what to do but what I can tell you is that the difference between having NCB and have 0 NCB is big. Some companies will offer discoutns based on claim free named driver experience so it could be an idea to add yourself as a named driver on a parents policy etc just so...

:S You only gain NCB if you run a policy for a full 12 months in your own name. Insuring the car for a month under your parent's policy is not going to help in this situation.

If you have not had an active policy in the last 2 years, you will lose any NCB you have built up. The difference between insuring with 2 years NCB and 0 years NCB is going to be big unfortunately. You would have to insure the car on a full 12 month policy to keep the NCB running.

A few companies (Sky Insurance included) will 'mirror' your NCB over to the second vehicle. This basicially means that a discount is given equivalent to the discount you would have got if you NCBwas free to use on the second vehicle. Effectively you start again at 0 years NCB on the second...

Jat, feel free to PM me your contact details if you would like to give my company a try? Thanks Ollie Sky Insurance

Insurance grouping is only there a a rough guide and differs from company to company. Each insurer will have their own claims statistics which they will work from. Do not read too much into any groupings you see... concern yourself more with claim free driving!

Hi Tom, in answer to your question: YES. You do need to declare that these wheels have been fitted. They were not on the car when it left the factory therefore they are a modification, therefore they need to be declared. For anyone else who has said 'I wouldn't bother' and advising you not...