Direct line and Mods......

[jonnyboy]

Am I gonnahave much trouble declaring a backbox and filter?

 

[Neil82]

Do you not already have a de-cat?

 

[jonnyboy]

ahem what decat?

 

[Lunner]

How old are you, no mods to under 21 year olds with direct line

 

[Deeg]

Under 25 ^.

At least that was what I was told when I declared my alloys.

Get with HIC.

 

[Has]

direct line are not brilliant :s

they did add my mods tho!! and im under 21

 

[Alan]

What mods ya got and what ya payin extra for them?

 

[Has]

i did have.... not with direct line anymore

i had window tints, exhaust and colour coding

only charged me £50 extra or so

 

[Big Iain]

Direct line were the cheapest for me come renwal but they would not insure ne mods?!?!?!?!

 

[Deeg]

I think it might have something to do with claims.

I phoned up before I wrote off my car, and was told that they would insure alloys, after I wrote my car off, shock horror, they had changed their policy and you now had to be over 25 to modify.

I told them I was off to another company that was cheaper anyway.

Woman on the phone said, and I kid you not, "why not, if you can get it cheaper thats what Id do".

Lol, what a businesswoman, I bet direct Line lover her.

 

[badinvincible]

i got told had to be over 25 for mods, hence why im with greenlight who are cool with modding

 

[jonnyboy]

well I dont know whats going on with direct line, rung again today hoping to get a different answer which you can normally do with them but no joy.

Anyone would think we had a fekkin Ferrari Enzo with the quotes weve been getting (Me 25 one accident, her 23 no points or owt) Greenlight and HIC would not even insure us! In the end weve gone to elephant but were still paying well over the odds (£1300!!!!!!!!!!!!!) Our direct line renewal (no mods) would have been a grand so Im well pissed off. At least with elephant you get your years NCB in 10 months

 

[mhova]

can anyone tell me how much direct line are likely to increase my insurance by (currently 1,300 on my 1.2 clio, im 17 btw) if i was to slap a set of alloys on there, i currently have no modifications at all.

 

[BradRT]

tesco added £170 onto me for my rims mate... same age but on a 1.4RT clio

they said any rims that range from £200 - £900 (or summin like that) is around £170 extra and £350 extra excess

 

[mhova]

gutted, not what i wanted to hear, that 350 quid extra excess is a bit gash.

 

[BradRT]

yeh my excess is now on £550 or £650 - the maximum! thats wiv a pipercross induction kit and 16" alloys!

i told em bout my new zorst system today and they added nothing on at all! very strange! hopefully they wont add anything on for the superchip and de-cat im gettin as well!

 

[mhova]

lol lucky u, is your insurance in your name completely or are u a named driver?

 

[BradRT]

im under my mums name. she has been drivin nearly 30 years NEVER claimed NEVER had any offences including speeding. my insurance started off as £1000/year fully comp wiv no excess under my mums when the car was standard. now its £1500/year and £550 or £650 excess!

think ill have to go with liverpool victoria/adrian flux next year cos i wanna be insured under my own name for under £2000!!!

 

[mhova]

would puttin some fog lamps in be considered a mod?

 

[RafChandler]

are window tints really classed as a mod? Ive only got them and Lexus lenses on my 172 but havnt bothered insuring them coz I didnt thnk i wud need to?

 

[BradRT]

mhova: i dont think so but u better fone em and ask em just incase

rafchandler: u definitely need to tell them bout the tints and u should also mention the lights just incase

there aint no harm in tellin em ur mods. basically, if u do summin and not tell em then smash ur car up, they wont give u a penny!

roll on the thieving scum comments...