companies that allow mods ? or dont..

[clancy]

ok basically i just bought a phase 1 172, looking at insurance. elephant are the cheapest, but what are they like for declaring mods ? i dont want to take out insurance to find i cant mod the car.

so yeah, does anyone know what elephant, bell or admiral are like ?

 

[Sanders]

I'm with elephant, added my exhaust 1/4 way into my policy, phoned up, added to policy and a £40 fee, seemed fairly easy, might be different with loads of mods though,

 

[clancy]

aslong as they take mods thats a start i suppose. i was with quinn and they charged me £70 to add coilovers, alloys and exhaust.

would i have to declare it if it had a phase 2 rear bumper and lights and that?

 

[Jamie86]

Brentacre are great for mods

 

[JackJack]

Brentacre if you are planning lots of mods.

 

[Adam.]

Elephant are good for mods.

Charged me £30 to declare a stage 1 remap, big brake kit and lowering springs on a Leon FR when I was 19.

Policy was only around £800 to begin with too.

 

[Wick]

Just be prepared with the main stream companies to speak to someone who has no idea what the difference is between a manifold and a cat back or how 40mm springs might be different to 1k's worth of coilovers. Oh, and often they won't replace like for like!

 

[Brian]

Greenlight are mod friendly

 

[clancy]

i understand what you mean wick but i just need to insure it, if i dont get half of it back if i crashed then well thats my problem but i need to insure it, i have bought it with a fair amount already done to it

my first car, i was basiclly charged nothing as i said above. on the compare sites i just put in the usual details + alloys and exhaust and it went up £800 ! wtf.

think i should insure it saying its standard then phone up ?

 

[JackJack]

Yes i've heard it's cheaper to insure standard then declare than insure modified straight away for some reason.

 

[Adam.]

Get a quote standard, then go forward to the elephant/admiral/bell website and open the quote and tick the mods.

Don't say its lowered more than 50mm lol.

 

[Jamie86]

Yes i've heard it's cheaper to insure standard then declare than insure modified straight away for some reason.

I found Admiral wanted more for a standard car than Brentacre for mods and like for like replacement..

 

[clancy]

when i phoned up about my other car and said i had coilovers they said is it higher or lower than 50mm. i said whats the price difference, shes said ones £50 more ones £100 and something. i said ill take the £50 option haha.

ok well ill insure it standard then ring up and declare the bits and bobs. just double checking they will accept mods.
it has a phase 2 bumper and rear lights, and cup spoiler. would i need to declare them ? and how would i declare them :S as in what would i say they are

 

[Wick]

Admiral wanted 62 for my springs and exhaust, but knocked 17 off for me just asking to remove the admin fee I knew they'd added. Outrageous that they charge that for what took 5 mins on the phone!

I think next year I'll be looking at brentacre etc... if the premiums are competitive.

oh, and I guess the above come under something like "exterior bodywork modifications" although they won't care that it isn't some whacking great big bonnet vent or bolt on body kit lol!

 

[DaveDreads]

I'm with Brentacre and they said to me I can do whatever I like to the car,
as long as I declare it wont cost a penny more, as long as I don't exceed 180bhp.

I've found insuring a modified car is cheaper than a standard one, Direct Line, Churchill, etc wanted piss take money,
where as the modified insurers have all been at least £100 less sometimes more.

I think it depends on your age, seeing as i'm 36 with 8years ncb, they obviously don't count me as a high risk.

 

[clancy]

yeah i guess it would, would need to talk on the phone to explain the fact its not a huge body kit haha

what are brentacre like for younger drivers ? a fair amount of insurance companies wont touch me as im 18. adrian flux wouldnt

 

[Jon.G]

With admiral they wouldn't insure me with lowering over 35mm, so my car was only lowered 35mm on coilovers

Admiral are decent, I had modifications cover as well. Mods were exhaust, wheels, air filter, coilovers and headlights. Bumped my quote up £150 for a full year. Bargain.

 

[Adam.]

yeah i guess it would, would need to talk on the phone to explain the fact its not a huge body kit haha

what are brentacre like for younger drivers ? a fair amount of insurance companies wont touch me as im 18. adrian flux wouldnt

Flux quoted me 3.4k for a 172 cup I paid 1k for. Admiral was £700

 

[clancy]

could live with an extra £150 quite happily. tip of the iceburg with my insurance. just need to make sure the most of its covered (coils, alloys, exhaust) for crash purposes and just in case i get a copper in a bad mood who digs a bit deep

 

[clancy]

good job adrian flux refused me insurance anyway then haha

 

[DaveDreads]

yeah i guess it would, would need to talk on the phone to explain the fact its not a huge body kit haha

what are brentacre like for younger drivers ? a fair amount of insurance companies wont touch me as im 18. adrian flux wouldnt

That's the problem i'm afraid, I don't think Brentacre like people that are under 25.

18-25 are the most dangerous years for young drivers, insurance commpanies don't like you because you all crash.

 

[clancy]

i know its stupid had a bike at 16. passed full bike test the week i turned 17, car test 6 months later. im insured on the works vans. but oh...i clearly crash so my insurance is horrendous.

ill give brentacre a try tomorrow, if not ill go with elephant then phone up afterwards. problem is, if they wack the price right up i have to pay it, i bought the car like that and have nothing to put it back to standard (also dont want to).

 

[imprezaworks]

Another vote for Brentacre, good guys to deal with and for me the cheapest by far

Dan

 

[Adam.]

Brentacre told me I had to be 18 iirc. (might have been 19).

Bro, go on comparethemarket.com, get a quote, click buy now on the elephant/admiral/bell think, modify the quote on the insurers OWN site and tick the boxes for the mods.