insurance at 17

[ryan17hurley]

i got a standard 1.2 16v mk2 and wanna lower it only just passed an ideas on how much insurance will go up am with norwich union if any help, thanks guys

 

[Christophe]

A lot of insurance companies don't like modifications with suspension especially at a young age. No one would quote me if had it lowered or theyd charge a fortune. i wouldnt advise it but i went with out telling my insurance about it when i did it at 17 and fortunatly never had a problem for 4 years witht the car. now got new car so not so worrying now

 

[ryan17hurley]

Yea i wanna do a few mods mainly just alloys and lowering on my 1st car im thinking if should just wait a year or too. what about a back box seen a nice one from essex racing for £60 so is in my budget just not sure if can afford insurance.

 

[Christophe]

well i had my corsa from 17 - 20 and I declared alloys, tints, back box, induction kit and what they call decorative exterior which i passed it as stuff like upgraded lights grill etc. dint go up massively but when i chose suspension kit it wouldnt give me a quote so i just dint put that on. luckily though i never had an accident with the car. things like back box induction kit tints won't make it go up by much as it doesnt improve performance.

I was with elephant.co.uk with all my mods and was cheaper than a standard car on other insurers lol. Adrian flux are also good and may allow all your mods for cheap. Im with them now with my clio 172 with m ods decalred and it cheap. but i have heard they got bad customer service but im not to bothered.

 

[ryan17hurley]

yea thanks all the help mate i got a self window tint kit wont bother insurance it as basicly just a sticker, a back box or induction kit will be 1st mod, wel what eva one is cheaper to insure lol

 

[domjolly]

in my first year of driving i just sorted out the sound system and the back box..... those two things the insurance company didnt seem bothered (i was with tesco) the main things they have been bothered by is the alloys and lowering but that was only an extra 20 quid a month. worst mod to do is induction kit does nothing for your car but increases the insurance 10fold rip off in your first year. ....the way insurance companies see it is if you can afford to mod it you can afford the insurance.

 

[Christophe]

ye alot of places dont care about backboxes

 

[EngineerD]

Quinn Direct.
I need say nothing else. Fantastic insurance company.

 

[sh33n]

I don't think NU are very favourable on mods.

 

[Batgirl_RB182]

Yeah Quinn Direct are good for smaller cars there insurance was good for my 1.1 seicento sporting but would not insure me for my new 182, they said they don't insure them!!!!

 

[domjolly]

Yeah Quinn Direct are good for smaller cars there insurance was good for my 1.1 seicento sporting but would not insure me for my new 182, they said they don't insure them!!!!

sorry to change the conversation but you went from a seicento 1.1 to a 182 lol bit of a step up aint it ....the seicento wernt the "michael schummacer" version was it lol

 

[NJ.]

im with direct line at 1400 a year, no mods declared as of yet.

could i get a cheaper deal?
my friend has a peugeot 206 2.0 turbo diesel and hes paying the same with quinn

 

[domjolly]

im with direct line at 1400 a year, no mods declared as of yet.

could i get a cheaper deal?
my friend has a peugeot 206 2.0 turbo diesel and hes paying the same with quinn

tesco seem cheap for younger drivers my first years insurance was 750 fully comp on my 1.2

 

[Timmay]

NU allow a total of 4 mods.

when i delcared my springs on my 1.6 policy went up 35 quid

 

[timmmah]

Yeah loads of people who do mods dont tell their insurance companies.

It's like volunteering to throw money away if you know what i mean.

 

[NJ.]

just got a quote from quinn for 800£ with exhaust lowering and wheels!

 

[tedgeuk]

didnt tell norwich union when i lowered my 106, luckily had no problems with it.

 

[Christophe]

when i rang norwich union they said no mods under age of 25.

 

[Batgirl_RB182]

Yeah Quinn Direct are good for smaller cars there insurance was good for my 1.1 seicento sporting but would not insure me for my new 182, they said they don't insure them!!!!

sorry to change the conversation but you went from a seicento 1.1 to a 182 lol bit of a step up aint it ....the seicento wernt the "michael schummacer" version was it lol

Yeah I did whats wrong with that you not think it was a smart move???

 

[ryan17hurley]

when i rang norwich union they said no mods under age of 25.

thats mental, they insured me fully com for £1600 1st car on a phase 2 , seem good me, cant the police nick ya for not insuring your mods though

 

[182fastblue]

the police dont know they dont check it, its only if you crash when your insurance company comes to check the car!

 

[ryan17hurley]

ive herd loads it illegal to have mods you dont insure, like they can easily check with insurace if want to