My insurance is not due till Jan '07 but hey I can plan ahead, eh?

I drive an ST170 and is looking into improving the brakes system, some engine mods, etc.

I am looking for a insurance company that understand the needs of modifications.

For example, I want to upgrade the brakes to a better one. The insurance co see it as putting in some safety by giving me better braking distance. I put improved air filter. The insurance co see it as helping me with better mpg, and performance of the car, etc, etc

You know, that sort of things.

Does anyone know of one?

Thanks all.

 

Green light are your best bet mate

 

Greenlight

 

I had a quote with them 2 or 3 months ago... they costs more! :/

Hopefully by next year, it will be dropped down... so this will be my first company to get a quote by the time for a renewal.

Anymore else?

Thank.

 

so your after a company that will allow you to modify your vehiecle without putting the cost of the cover up then ???

 

Kinda. Also a company that understands why I need to mod the car.

 

Here's how it works:

You make the car safer (better brakes), your premium doesn't move.
You make it go faster, your premium increases.

 

Correct....

 

Just thought that making the car safe *may* help protect your NCB, so indirectly, your premiums will drop

 

While I have you here, will the price increase if I have K&N panel filter to improve MPG?

 

Mate are you on a wind up ?

 

lmao an air filter wont increase mpg surely as it increases more air into the engine thus decreases mpg as your bhp increases and so does the work rate of your engine??

I could be wrong though

 

anything to do with performance upgrades like exhaust,filter,chips etc will put the premium up

no use trying to say ive fitted a k&n to improve my mpg insures are not going to buy it mate, its like saying i want to insure a sapphire cosworth is it cheaper because its a family saloon

and some insurance companys see brakes as a safety feature but also a performance feature, due to some people thinking well i have better brakes so i can goa bit faster because i can stop quicker

any modification to a car from std will increase your premium

so jst bite the bullet and tell them the mods and except the end the rsult and to be honest it proberbly wouldnt cost much extra to what your paying on a std one, but you dont dont declare the mods then your insurance can be void

 

 

Tony, if I fit a 5.0 V8 to my Escort to increase the fuel economy, which will thereby decrease the amount of time spent on the road as it will be in the petrol station more often, will you reflect this in my premium?

Also, I plan to fit a roll-cage and harnesses, not because I plan to do trackdays, but incase a large rock falls out of the sky and lands on my car. I trust I can enjoy a reduction in my premium to reflect this also?

 

While some of you may find it amusing, I did find it increased my MPG.

Can we go back on topic, please?

Thanks.

 

I'm sure the questions have already been answered. If you change your car from manufacturers spec, you can also enjoy the same increase in premium that we all have come to expect.

It's a fact of life.

 

Mate, the modifications bump up your premium irrespective of performance, because they cost more to replace than standard parts
Is it that hard to grasp?

 

lmfao

 

On a winner for thread of the day this one.

 

Quick question(s)...

You wander to Halfords to buy a new air filter, using the Halford or other brands. Or oil filter. Or oil. Or brake pads. Or anything that are related to serviceable parts.

Or taking your Ford car to a non Ford garage for a service and they put different brand of parts in your car.

Are you required to inform your insurance co? If so, it would mean many cars out there are illegal because it was changed from the orginial specs.

I know that you do need to inform the insurance co if you changed from 15" standard wheels to 17" alloy wheels or swapping the engine with a different one. But serviceable parts? That works the same thing?

I'm not here to cause arguments, I'm trying to work out which's which.

 

If the serviceable parts are exact copies of the originals then no. but if you put in ANYTHING that differs from the original manufacturers specification then in theory you have to tell your insurance company. Like a free flow air filter, uprated brake pads, blah blah blah

 

pmsl at this topic, i was wondering how long it would be before someone takes the piss lol

 

OK, so now we have established that if you fit parts to your car that are either a genuine or non-genuine version of the original part, then thats fine. Your premium will be as it should be and you will have the benefit of many many potential insurance companies.

However, if you replace the parts with parts of a different spec, then up goes your premium and down goes the amount of companies that will quote.

There are many other factors of car insurance that bother me, but paying for mods isn't really one of them.

So, put standard parts on your car and all will be fine. Lets face it, a K&N filter was never going to give you economy anyway and the car was designed to work with the brakes that it has. If you need better brakes then that surely reflects your driving style, which is why insurance companies become interested.

 

Laugh all you want, it's actually a serious question from someone who are interested to see how insurance works and which parts requires insurance co's knowledge or not.

As everyone knows, messing about with insurance is not a laughing matter.

Thanks to others who gave useful replies. Others who thinks it's funny and acting like little kids going on like 'omg, pmsl' - time to grow up.

 

tottally agree there

 

time to grow up? listen to your own replys in this topic...


if you believe a k+N will reduce the cost due to ''increased mpg'' then...


why would mpg affect premium?