Insurance Renewal Fun !

[Has]

Today is my fun day of ringing around for insurance quotes.

As some of you know my car is quite moddified so most insurance companies wont touch me

Tesco who im currently with have given me a VERY good renewal price, i have been with them for 2 years now and service is top notch!

Heres how im gettign on so far

Age: 22
Occupation: Student
Millage: 10,000miles per year
Car: Renault Clio 1.2 16v Dynamique
Mods Value: £6-8000 Like for Like Replacement

Fully Comprehensive
Audio & Visual Cover of £1500 (covers aftermarket (non factory fit) and factory)

No convictions or offences
No Accidents or Claims made
Parked on Driveway
No claims Bonus: 4 Years (been driving 5years)
In a E rated postcode



Tesco Renewal : £529.20

GreenLight : Well over £850

CIS: £330 (standard) No longer accept mods tho

Norwich Union: Only accept 3 mods

Adrian Flux: £588 with protected No claims (good quote)

The AA: £1245

Most other companies came in at about £1250+

Largest quote from Elephant: £2850 to cover my mods

 

[Timmay]

amazing how they range so much

 

[Has]

DirectLine: No cover anymore with modifications!!

**Quite a lot of companies will not cover mods anymore or heavily modified cars**



Looks like i shall be heading bak to Tesco as they have been brilliant

 

[leekirlew]

Have you tried Bell? Not too sure how good they will be as elephant was your worst!

 

[Has]

I really must change motors now!!

Tesco Quoted me:

£590 on a williams

£610 on a 2004 182

 

[Has]

Alot of companies are not insuring me because my suspension is lowered more then 50mm !!!!

How stupid :S

Admiral
Presteige

Were the companies who declined for this very reason

 

[Has]

Renewed with :clap: TESCO :clap:

Total Cost £578

Thats with Protecting my 4yrs No Claims


So they basicly price matched Adrian Flux.
But with Tesco i know there service and also get to pay 12 months interest free

wahoooo no more worrying this year with everything declared once more

So for all those out there with mods not declared got on with it itl bite u in the bum one day!

 

[Ad]

thats good price mate. UKI's service is usually of a good standard.

 

[Jamie _Swales]

thats good price mate. UKI's service is usually of a good standard.

thats cos i provide it

 

[Has]

hehe

yer well chuffed, not one other company could match it

Been with Tesco 2 yrears, this will be my third and no complaints yet about them

 

[Ad]

thats cos i provide it

lol.... you do have to be pushy, but then you get what you want. Quite gutted, Ive not renewed with them this year, but they were very pricey.

Heard theyve had a bad year so premiums are up???

 

[Has]

No they have been ok actually? I know few peeps with them and they have all gone down as per normal.

A main factor i stayed with them is the policy itself.
I like to know im covered 100% for things on my car (fussy git)

All mods are covered and replaced on a like-for-like
all my AV is covered as above with there own value up to £1500
(covering non factory fit) -most companies are factory only !!!

And all my details are correct ie. Student (use for uni), 10k miles per year etc....

 

[Jamie _Swales]

how did you include all your mods? i thought our systems only allowed 5 (maybe i am wrong though)

In the eyes of Tesco, you have way more than 5 mods

Wheels
Suspension
Tints
Interior changes ( ie seats)
Sideskirts
Rear bumper
Spoiler (rear)
Rear Lights
Exhuast
Bonnet
Mirrors

Cant remember what else you have

 

[Has]

^^ You are correct there.

They have changed mine slightly

Exterior Mods & Interior Mods Cover most of my external stuff.

They have then sent me a seperate paper with ALL my mods printed seperatly.

They said this will be fine as i am in the £6-8000 price "bracket" as long as my mods do not exceed this. Oh and cant be Performance related apart from my exhaust and viper which are listed seperatly.

I was clear to them about my mods, even made sure they understood i wanted them all listed, hence a sperate print out.

 

[Rich_16v]

Never tried Tesco for mine might give them a ring next year

Whats your excess like?

 

[Has]

They are suprisingly competitive..... not always tho, but on the whole no one has beat them so far for me.

Excess

£250 Standard
£100 Excess is only Fire or Theft

Then you have young driver excess
(these are on top of the above)

17-20 £400
21-24 £250
21-25 £200

So mines £250 + £250