car insurance (specifically for me)

[Spinksy]

hi guys im just after a bit of advice really...

i know there have been plenty of threads for car insurance but none answered for me specifically...

basically im 20 (21 in january) passed in december 2009 so coming up to my third year driving, got full no claims, no offences etc so completely clean licence but am struggling to get cheap insurance for my clio despite not touching the engine etc...

im declaring all mods (including interior) and getting either quotes of £3000 upwards or no quote :/ its a 1.2 ffs! :L

anyone got the same or be able to give good advice?...

cheapest quote iv had is around 1800 but thats standard and then when i declare the mods it goes up considerabley :S

additional info: im a full time student going on to my final year of biochemistry and my re-newal is 19th september in which time i need to have changed from aviva as i have had no end of problems...

 

[Spinksy]

oh and suffice to say i have tried alot of the modification specific insurers and they either want 5 grand upwards or they say i have to be 21...

 

[Ben]

Get rid of the mods, they aren't worth that amount of increase in premium. Sell them on and use the money towards your insurance or a better car in a year or two.

 

[...]

your first issue that bumps your price is your a student , your second is ANY mods , you also don't say where you are studying and where the car is declared as being kept ?

unfortunately i suspect you can't change any of that .

 

[TheEvilGiraffe]

Why/what are you declaring as interior mods ?! Bucket seats I can understand but I don't think you've got them ?!

Return the car to almost standard and get a 'normal' policy with someone like Sky thru CS.

 

[Kane.]

Return to standard..

 

[Spinksy]

your first issue that bumps your price is your a student , your second is ANY mods , you also don't say where you are studying and where the car is declared as being kept ?

unfortunately i suspect you can't change any of that .

im at huddersfield university and driveway, on fenton road, HD1 3RY and final year this coming year :/

Why/what are you declaring as interior mods ?! Bucket seats I can understand but I don't think you've got them ?!

Return the car to almost standard and get a 'normal' policy with someone like Sky thru CS.

because its not the standard extreme interior and dont want to be p***ing about with insurance companies using that to get out of paying? and no chance of returning to standard :L would cost more money...

Return to standard..

no

 

[Spinksy]

Get rid of the mods, they aren't worth that amount of increase in premium. Sell them on and use the money towards your insurance or a better car in a year or two.

they are only visual mods which is why i dont understand the leap? and im finishing the car over the next 2 months tops then am saving from then on for a different car but want to keep it modified

 

[Josh-197]

You must be doing something wrong mate I'm 20 with 3 years no claims ans I have got a quote on a ly 197 f1 for 1300

 

[...]

bet your employed josh

 

[Spinksy]

You must be doing something wrong mate I'm 20 with 3 years no claims ans I have got a quote on a ly 197 f1 for 1300

fml :/ maybe the area helps... and il have 3 years in december no engine changes or mods whatsoever... purely visual mods and if i were to go on the basis like giraffe seemed to point out along with what a few people have said (only declare aftermarket not renault mods) it might make it a bit cheaper but dont want to be one of the people that dont declare mods and dont get paid out etc

and i work for a pharmacy part time but that doesnt seem to affect my quotes much...

 

[TheEvilGiraffe]

You've put a different non-RS interior in and you've informed your insurance company and you're wondering why they've taken every opportunity to charge you more money ?!

LOLz.

But seriously, you're not going to get your insurance voided if your interior is a different shade of grey to what it left the factory with.

The insurance won't know what trim level it left the factory with. Stripping it, cage and buckets, yes, inform them for goodness sake.

I've put an led bulb in my interior light and replaced the HU. Do you think I bothered telling my mod-friendly insurer ?

 

[Chili Red]

Sounds like the only way to get it cheaper is to remove the mods, but since you're refusing to do that, you'll have to suck it up and pay the premium. Or sell the car.

 

[Knuckles]

Admiral group offer a free mod policy, you don't have to pay for mods but they won't pay out for the mods if you crash.

Also, stick 2 older women on the policy

Also, don't say they're 'mods' say they're genuine Renault parts from a different Clio

 

[Spinksy]

You've put a different non-RS interior in and you've informed your insurance company and you're wondering why they've taken every opportunity to charge you more money ?!

LOLz.

its RS but the car isnt... its a 1.2 16v extreme and iv put the RS interior in... i thought you had to declare this?

 

[Spinksy]

Sounds like the only way to get it cheaper is to remove the mods, but since you're refusing to do that, you'll have to suck it up and pay the premium. Or sell the car.

probs have to suck it up then

Admiral group offer a free mod policy, you don't have to pay for mods but they won't pay out for the mods if you crash.

Also, stick 2 older women on the policy

sounds like a plan to me i shall get a quote from admiral, but i have no older women that drive in my family... apart from my dad :L

 

[Knuckles]

Admital/elephant/(can't remember the last one) have always been cheapest for me. Aah no good lol

 

[Spinksy]

Admital/elephant/(can't remember the last one) have always been cheapest for me. Aah no good lol

tbh iv tried with her on and it added an extra 50quid on :L lol so took her back off but there is no other women drivers in the family :/

 

[JCC]

Wait, so you've not had a quote from Admiral/Elephant yet? Do it NOW if so. Elephant have always been cheapest for me since I started driving.

Also, give adding your Dad as an additional driver a try, it may well bring it down a bit.

 

[Spinksy]

Admital/elephant/(can't remember the last one) have always been cheapest for me. Aah no good lol

admiral unable to quote... need more info on the car apparantly :/

trying elephant now

apparantly they need more info on the car aswell.. :/ wtf?

can put screenshots up if it would help?

 

[JCC]

admiral unable to quote... need more info on the car apparantly :/

Let me guess, you've told them it's lowered more than 40mm or whatever the level they have is? Say it's less than that, they'll probably be able to quote you online then.

 

[Spinksy]

Let me guess, you've told them it's lowered more than 40mm or whatever the level they have is? Say it's less than that, they'll probably be able to quote you online then.

yes because it is :/ il try that though...

 

[JCC]

I'd risk it and did back when I had my 1.2 on coilies, they're hardly likely to get the measuring tape out next to a standard motor if you do crash.

 

[Spinksy]

I'd risk it and did back when I had my 1.2 on coilies, they're hardly likely to get the measuring tape out next to a standard motor if you do crash.

i wouldnt tbh but im trying it to get a quote atm then expect it to be a little more expensive when i speak to them on the phone...

il let you know the quote in a sec though

£4680.86 srsly wtf? thats with my dad on for a 10 month policy?!?!? (19 years no claims protected)

£6224.32 without for a 12 month policy :O

 

[Spinksy]

elephant want £5539 without my dad on and 4680.86 with him on but again there for a 10 month policy...

i seriously dont understand why a few visual mods equate to an extra 3 grand on top of your qoute for the standard car...

 

[ekaJ]

What rating is your postcode?

I can insure a 182 for £983 at 19 with 2years ncb :s

 

[JCC]

f**k knows why they hate you, I payed about £1k for a modified 1.2 at 18 with 3 points, granted this was about 3 years ago now and prices have risen but not by £3.5k!

 

[Spinksy]

Take your dad off.

What rating is your postcode?

I can insure a 182 for £983 at 19 with 2years ncb :s

will do lol and not sure tbh its HD1 3RY

im 20 lol been driving since december 2009 but get 3 years no claims in december so should be cheap :/ when i first got the car 3 years back they wanted 2 grand, 3 years later they still want 2 grand (standard) wtf?

according to a site its D* which is pretty bad... but thats all HD1 apparantly :/ though according to a site with a 'calculator' its medium risk :S

 

[Spinksy]

f**k knows why they hate you, I payed about £1k for a modified 1.2 at 18 with 3 points, granted this was about 3 years ago now and prices have risen but not by £3.5k!

must be coz i'm black :L lol jk im white :L

honestly though im your stereotypical guy that just wants to finish uni and get a decent job (hopefully forensics)

 

[Stefan.]

its because you got green wheels change them and will go down to £500 ha

 

[Spinksy]

its because you got green wheels change them and will go down to £500 ha

haha i wish its 2 grand standard doesnt even make sense that younger people with points can get better cars insured cheaper (no offence to them) but its b****cks really :/

 

[Knuckles]

So Doncaster=Baghdad?

I think the admiral group group lowering as either >5cm or <5cm I had coilovers on my last car and took a guess at less than 5cm and it cost me an extra £34 alongside 1*2 bumpers lol!

 

[Stefan.]

haha i wish its 2 grand standard doesnt even make sense that younger people with points can get better cars insured cheaper (no offence to them) but its b****cks really :/

I agree insurance is the most mad and made up thing i swear work this out

*quotes for my clio 182 (182bhp lets say for arquements sake) £475
*e36 m3 (321bhp) £875
*evo 6 tommi mak is something stupid like £3000 (280bhp)

:S

 

[Spinksy]

So Doncaster=Baghdad?

I think the admiral group group lowering as either >5cm or <5cm I had coilovers on my last car and took a guess at less than 5cm and it cost me an extra £34 alongside 1*2 bumpers lol!

no lol doncaaster => Baghdad :L

huddersfield where im living next year is =Baghdad :/

I agree insurance is the most mad and made up thing i swear work this out

*quotes for my clio 182 (182bhp lets say for arquements sake) £475
*e36 m3 (321bhp) £875
*evo 6 tommi mak is something stupid like £3000 (280bhp)

:S

go for the M3 :L and i dont undersstand how they work it out...

 

[Knuckles]

I agree insurance is the most mad and made up thing i swear work this out

*quotes for my clio 182 (182bhp lets say for arquements sake) £475
*e36 m3 (321bhp) £875
*evo 6 tommi mak is something stupid like £3000 (280bhp)

:S

Because rally car

 

[Stefan.]

Because rally car

Yeah i understand but its not as if an m3 is slow by any means. whens ryanhavana opening up his car insurance might get good quotes then

 

[Knuckles]

and i dont undersstand how they work it out...

They kill time by asking for your life story... Then hit this

And boom. You have a price

 

[Spinksy]

[

Because rally car

damn you beat me to it :L i wanna see what insurance is going to be like on a bigger car for me lmao 67 mustang gt500 here i come :L

 

[Stefan.]

[

damn you beat me to it :L i wanna see what insurance is going to be like on a bigger car for me lmao 67 mustang gt500 here i come :L

It would come out either you need a mortgage for it or would be cheaper than your clio haha

 

[Knuckles]

Yeah i understand but its not as if an m3 is slow by any means.

Because business car :rasp: