Insurance for Modded MKII 172

[Daipac]

I know the topic of insurance has been talked about a lot on the forums but I need some specific answers to my situation.

I have a MKII 172 which I am having lowered on the weekend and then I also want to change the wheels and get an exhaust, induction kit, etc. I am currently with Tesco and they want to charge me £120+ just to fit the lowering springs so I think it is time to move on !

Who are you with and do they charge you for mods ?

If I get a quote for my car with mods which is cheaper than Tesco, can I go back to them then to see if they will give me a better price, halfway through my policy or do you need to wait for renewal time ?

I know about HIC but someone said they are not very good for newer cars, only older cars like the 16v and Williams ?

Cheers for any help guys and gals,

Dai

 

[toms_cup]

yeah what he said!!

 

[KDF]

Well to put it mildly as I found out, it would cost me £800-900 quid to drive a 172 with eibachs on (fully comp protected NCD)

Or it would cost me £1000 to drive a standard Nissan Skyline GT-R (fully comp)

WTF is that all about ?

I actually did a quote for a Focus RS aswell (thinking about one for next car) and it worked out about £50 cheaper than the 172..

 

[toms_cup]

obviously keep the clio, use the extra £100 for lexus lights

 

[Daipac]

_KDF, I am in the exact same position as you.

I need a new insurance company as Tesco f**k you on the mods !

 

[George16v]

I am being charged £156 for suspension mods and only £36 for my full exhaust system Insurance makes no sense.

 

[KDF]

Yep I hear you diapac.. its crazy.. will let you know if/when I find a better insurance company for mods..

George16v what company are you with, its crazy a company that punished you for fitting bigger brakes, better suspension etc.

 

[Daipac]

I just got a great quote on the Direct Line website, £640 FC with NCD Protection WITHOUT any mods. Phoned up to ask what difference it would make with the suspension and she said that I have to be 25 to drive a modded car !?!??!

 

[Rich-D]

Try the following for modded cars...


Greenlight
Privilege
Adrian Flux
Performance Direct
HIC
Hyperformance
CIS
etc...


Plenty of places do mods and wont charge the earth!

 

[Tom]

My modded 172 cost the same to insure.

 

[Daipac]

Cheers Rich,

Are Renault any good ?

 

[toms_cup]

Reno chargin me £120 for springs, not sure if im gonna do it yet though

 

[Daipac]

With who Tom ?

 

[toms_cup]

renault insurance

 

[David]

id suggest liverpool victoria/frizzell. they charge nothing extra for any mods except engine conversions! im with em so long as u take pics of mods on car u can claim on them

 

[Rich-D]

Just about tell my insurers about the exhaust & induction kit Im about to fit...

 

[George16v]

I am with Elephant, Is a bit more for me at the Mo. though as I wrote off my Cup about 4 Months ago.

 

[Daipac]

Just got a quote from Elephant.co.uk, £927.71 with the springs, nearly £200 more than Tesco !

I actually was on the development team that wrote the Liverpool Victoria Motor Insurance website, you would think I could get a discount but oh no ! No chance !

 

[Daipac]

OK, I just had a quote of £735 with Adrian Flux including the suspension. Are Adrian Flux any good ? I dont know if this quote includes NCD protection, will phone tomorrow to find out as they say in the e-mail that discounts may be available ?

DO WE GET A CLIOSPORT DISCOUNT WITH ADRIAN FLUX ?

PS Slightly off topic but how do I find out what discounts we have through Cliosport ?

Cheers,

Dai

 

[George16v]

I think we do yes,

Elephant was cheaper for me because I live in London, obviously not for you though.

 

[SteveH]

I agree with the comments about insurance making no sense currently looking aroung as mine its due later this month. On a standard 172 MkII

Best quote 908 from direct line

Worst quote 7582 lloyds

Can anyone explain that

 

[Daipac]

Just phoned Adrian Flux, got a quote for my MKII 172 with Eibach Pro-Kit suspension comes to £682.50 FC with NCD protection.

Based on no legal, personal injury or breakdown cover.


£300 excess on Fire & Theft
£550 excess on Accidental Damage
£50 excess on Windscreen Cover
The quote was from a company called Highway Insurance.

Cheaper than what I am paying now WITHOUT suspension with Tesco !

Good quote I think ?

 

[BrynO]

That sounds pretty good, we pay £440 FC with PNCB with Norwich Union Direct who it seems do not charge for up to 3 mods (non engine), so we have cover for the traction control and wheel upgrade. Dont actually have the wheel upgrade, but I figured throw it in from day 1 or sods law they would charge extra if we tried to add at a later date! Guess I should come clean with them on the Eibachs, in theory should be no extra charge.