Poo

Bubbles · May 1, 2006

On friday i called my insurance company to declare my mods (Direct Line).... "no mods until your 25"

Great... ive got a quote with Elephant for £760 with all mods declared but im 4 months away from another years no claims, and if i change im gona loose out on it..

But dont wana take the mods off hehe..

Sucks

cliokiz · May 1, 2006

My friend had the same problem with Direct Line on his 182 - they suck! He changed over to Green Light insurance as they insure cheaply on a 182 and i believe they give discount to ClioSport members!

Bubbles · May 1, 2006

I tired Greenlight and they wernt any good for me

Maz · May 1, 2006

Aplan are really good for mods but I am 26.. guess its a case of take the chance for 4 months with them on or take them off .. if they didn't really cost that much money I guess I would take the chance

NOT! gary l · May 1, 2006

try bell direct, 23 with 1 years ncb then i declared

full staunless exhaust
aftermarket spoiler
lowered 40mm
non-standard alloys
clear lights

policy only went up £41

ok, its only a 1.2 but i wouldnt imagine the same mods on a more powerful car are gonna increase it by silly amounts

AliasOmega · May 1, 2006

I went with adrian flux this time..gave me cliosport discount too..

Has · May 1, 2006

Maz said:
Aplan are really good for mods but I am 26.. guess its a case of take the chance for 4 months with them on or take them off .. if they didn't really cost that much money I guess I would take the chance

But you do run the risk of the insurance nto paying out on that way!

Absolutly anythign cud happen (someone hittign you or you slip up) and you would be left without insurance in worst case.

Take the bullet and change over? See if the new company will do anythign for you?

Bubbles · May 1, 2006

Also.. doesnt even have to be an accident, if i got pulled and the police asked me for a producer... it could screw me that way too..?

Just called my insurance company, i will get £240 back for canceling.. so in the end wont be paying that much, and it wont have to worry about it for another year.

I could take off the wheels and suspension, but not alot i can do about the exhaust and tints.. Just gona bite the bullet and move

Iain C · May 1, 2006

well dont declare them then and hope you dont crash! lol
This year is the first time in my life ive declared my mods ....it was 2 expensive before.
That goes for all my old cars too!
Might get flamed for this...lol

Bubbles · May 1, 2006

Iain.. worst case i know, but i could hit someone and be in ALOT of trouble.. it just doesnt bare thinking about..

But.. ive had my exhaust since August and not declared it.. and with little things i guess you can get away with it (maybe) by changing things, but my list is ever growing now

Maz · May 1, 2006

Has said:
But you do run the risk of the insurance nto paying out on that way!

Absolutly anythign cud happen (someone hittign you or you slip up) and you would be left without insurance in worst case.

Take the bullet and change over? See if the new company will do anythign for you?

^^ I know that and I have always declared my mods .. but as I read Bubbles first post it seemed like she didn't want to loose her 8 months that had passed and by the sounds of things has been driving round with mods for a while (exhaust) that the insurance company don't know about so another 4 months wouldn't kill her .. sorry but that was the only point I was trying to make ..

Iain C · May 1, 2006

It is a risk not declaring mods but insurance comps make it a real mare.
I declared mine this time cos coilovers are a big mod and i was feeling a bit flush...+ it only cost me a extra £50.
Im insured with bell.

Bubbles · May 1, 2006

Bell came out about £5 more than elephant, and Adrian Flux are shut hehe

Rich · May 1, 2006

Bell/Admirial and Elephant always come out with in a few quid of each other for me, same company so risk is loaded the same I guess.

As you found Greenlight where not competitive for me. About 150-200 quid more IIRC.

Losing a years no claims sucks, but it's better than the car not be insured if the worst did happen

Bubbles · May 1, 2006

I agree Rich, could do without insurance and tax happening in the same month though

crazycup · May 1, 2006

What i can't understand is if they are not performance enhancing mods why not insure you till your over 25???? Its still the same car ffs

Rich · May 1, 2006

Bubbles said:
I agree Rich, could do without insurance and tax happening in the same month though

Thats always the way!

polarbert · May 1, 2006

I think that you should take your mods off, you can give me the exhaust, and then get your NCB for the year :rasp:

Bubbles · May 1, 2006

Haha, nice idea

Bennigin · May 1, 2006

try admiral, they were cheaper for me than elephant whom i was with previously, plus side (altho they're essentially teh same company) is that admiral dont charge you admin fee's unless u change ure numberplate... Elephant want a £10 each time you cal to ament it in anyway, and the difference in premium too should it go up or down

Bennigin · May 1, 2006

but..... admiral did want £106 for me declaring my viper!!!!

NOT! gary l · May 1, 2006

whwen you declare suspension (lowering) they only ask if its more than 5cm (50mm) anything less and they dont seem to bother, just say it was like that when you bought it and you didnt know it had been lowered

Bubbles · May 1, 2006

Maybe i'll pop her away in the garage... use one of the other cars and just bring her out at weekends

GazCB · May 1, 2006

I'm not a fan of invalid insurance, but in this case I'd be tempted to just say "sod it" for the four months and then get them declared next time.

Rich · May 2, 2006

Bubbles said:
Maybe i'll pop her away in the garage... use one of the other cars and just bring her out at weekends

You can have a standard black one , and I will take the modded yellow one off your hands

BRUN · May 2, 2006

its not worth it, i declared ALL my mods when i did the GT Turbo conversion on my last car, and it took months of arguing with the insurance for them to payout anywhere near properly, it was the most stressful experience of my life and i wouldnt wish it on anyone, they are complete shithouses !

kiza1986 · May 2, 2006

Some mods dont void the insurance... When i first started driving i had a straight through exhaust, aftermarket alloys, tints and dare i say lexus lights... someone went into the back of me which caused me to go into the back of someone else!! I got home and made a claim on my insurance which took my car and dropped of a courtesy car...about a week later they phoned back saying they were returning my car and picking up the courtesy car due to having mods and not telling them... they voided the insurance BUT... i got on to the financial ombudsmen who reviewed my case and about a month later got back to me saying that the mods i had done werent substantial and that my policy shouldnt have been made void and i then got an apology from the insurance company...

Now i declare all the mods i have as i dont want to go through all that s**t again but its just proof that certain mods dont void the insurance no matter what insurance companies say...

Kiza

my_cougar49 · May 2, 2006

Screw it. If I have a crash I will get Renault Assistance (AA - My company) to take me home and ill rip the mods off on the night. They NEVER document any mods on the job sheets so no one is ever going to know! Probably get flamed for this but at the end of the day I dont declare shite unless I cant get it off the car. Ie a full bodykit, coilovers, new suspention etc etc. I can swop an exhaust lol

PS 1m 24 and cant get insured with Privilage with mods till 25. Why on earth am I going to lose my extra years ncb for 2 months? Ha I think not

Lee · May 2, 2006

What if you aren't capable of removing them because you were seriously hurt in the accident?

I can't understand people not asking for a quote before going ahead with mods, and even less so people who think it acceptable to not declare them.

Griff · May 2, 2006

Me neither.

All very well saying I'll take the mods off but what happens if it's a severe crash and you can't get the mods off?

If you crashed the car and bent a wishbone or damaged the side of the car isn't it going to look a little suspicious if you put back on undamaged original wheels for example?!?

my_cougar49 · May 2, 2006

Lee said:
What if you aren't capable of removing them because you were seriously hurt in the accident?

I can't understand people not asking for a quote before going ahead with mods, and even less so people who think it acceptable to not declare them.

Because my mods are very small - I could get the mrs to change them if I had too LOL (I have kept all the original oem parts)

Also all my mates are mechanics so changing the zorst (Which is the only external mod) when I get it wont be an issue. I will declare the lot when im 25 but have to wait until then unfortunately as all the 'cheap' insurance companies wont touch me till im 25

my_cougar49 · May 2, 2006

Its ok for me as im not changing wheels etc etc and doing major mods. Someone who had major mods like wheels or a bodykit would be screwed. I agree with that. But a zorst and some interior mods can be easily removed so until im older Privilage wont know I have em.

Has · May 2, 2006

Lee said:
What if you aren't capable of removing them because you were seriously hurt in the accident?

I can't understand people not asking for a quote before going ahead with mods, and even less so people who think it acceptable to not declare them.

Thats pretty much spot on Lee !

Also going back to the point about "ill take my mods off"

A little while back Cupcake was involved in an accidetn whereby the car was taken by the police to there choice location.

He was wizzed off to hospital and was not simply able to take mods off his car, but he had not to worry as they were all declared anyway

You may simply not be in a position to take things off after a crash.... worth the risk?

my_cougar49 · May 2, 2006

Has said:
Thats pretty mucg spot on Lee !

Also going back to the point about "ill take my mods off"

A little while back Cupcake was involved in an accidetn whereby the car was taken by the police to there choice location.

He was wizzed off to hospital and was not simply able to take mods off his car, but he had not to worry as they were all declared anyway

You may simply not be in a position to take things off after a crash.... worth the risk?

As I said I havent got the zorst yet so theoretically its standard as ive only sprayed oem parts and polished a few items in the engine bay. What im saying is if / when I get the zorst as the renault one is on its way out I wont declare it till im 25 (Couple of months away) If I can manage with the renault one then so be it but Im not paying the same price for a crappy renault zorst as a ss one that will outlive the car end of no matter what anyone says.

Lee · May 2, 2006

At the end of the day you don't have to have the mods, you just want them. Just don't bother until you can afford, or are prepared to pay for them. It's seriously not worth the risk.

my_cougar49 · May 2, 2006

Lee said:
At the end of the day you don't have to have the mods, you just want them. Just don't bother until you can afford, or are prepared to pay for them. It's seriously not worth the risk.

I can afford them just cant get insured with the zorst till im 25. As I said if the renault one finally packs up then I dont have a choice.

Buy a renault one thats the same price as a ss one and going to need replacing

Have a nice ss one that will outlive the car and ive only got to worry about driving the car for 2 months.

hmmm - me thinks I will go for option 2 as I dont do many miles and as I said my company will recover the car.

bloo_joo · May 2, 2006

hi,
i'm cliokiz's ,mate.
when i called direct line, they were alright with my car until i told them it had cup suspension and spoiler packs. then they said they cant insure it as it was classed as modified because it wasn't standard. i've looked at quite a few other policies and anything other than standard (even factory fit fit options) is counted as modified.
so in the end i went with green light after hearing about them on here.
just thought it might be worth mentioning.

dannyboy172 · May 2, 2006

bloo_joo said:
hi,
i'm cliokiz's ,mate.
when i called direct line, they were alright with my car until i told them it had cup suspension and spoiler packs. then they said they cant insure it as it was classed as modified because it wasn't standard. i've looked at quite a few other policies and anything other than standard (even factory fit fit options) is counted as modified.
so in the end i went with green light after hearing about them on here.
just thought it might be worth mentioning.

Does that mean a trophy is classed as the same :S

Don't understand how insurance copies can do that as its factory fitted and not a modified car part?? W@nkers the lot of 'em...lol

bloo_joo · May 2, 2006

dannyboy172 said:
Does that mean a trophy is classed as the same :S

Don't understand how insurance copies can do that as its factory fitted and not a modified car part?? W@nkers the lot of 'em...lol

dunno about trophy seeing as they come out the factory like that.
i was told the spoilers might have been okay, but as the suspension is a big change, then it counted as modified.
oh well, they would have been more expensive anyways

Lee · May 2, 2006

dannyboy172 said:
Does that mean a trophy is classed as the same :S

Don't understand how insurance copies can do that as its factory fitted and not a modified car part?? W@nkers the lot of 'em...lol

The Trophy was far easier to insure than my cup packed 182 was. The Cup packs are a factory fitted option and should be covered in the value of the car, though some companies will screw you for more, it often depends on the person on the other end of the phone.

The Trophy is a model in it's own right so that's just down on the system as the Trophy.

Poo

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