Glen1909

C'mon guys spill the beans. Im not paying £900, its silly money!

Where do you guys insure?

Thanks

RSKim

900?! I paid 1500 tpft on the cossie at first

AndyBlackFRST

Few things missing here... What car, mods etc etc..

Glen1909

I would happily pay £1500 if I had a cossie - lol

Sorry, should have provided some info, here goes:

Escort 1.8si P 1997 5dr

Only a couple of mods:

Full magnex exhaust system (not decat)
K&N Induction Kit
16" Alloys

Might not bother mentioning the induction kit though cos insurance companies get scared and if it came to the crunch i'd plead ignorance 'modified? well i'll be, dont know what the original one looked like sir'

but a 4inch exhaust is a bit too obvious to plead ignorance etc

Cheers

BillyCabrio

iTrader: (1)

Greenlight mate, i think you'll find quite a lot of users on Pf are with them..... Inc me

Eagle

iTrader: (2)

i got mine through the rsoc scheme alot cheaper than greenlight ... that reminds me .. must speak to tony ...

Glen1909

Yeah I tried Greenlight, they are the ones who want £900 and thats TPFT as well!

How much is membership to RSOC? It doesnt say on their website!



Cheers

Cawood

no point looking into the RSOC insurance

they only insure RS's!

Glen1909

mmm, that would certainly cause some difficulty! Damn it, I have 4 days to sort something out

Twins

iTrader: (18)

Hic, herts insurance consultants

Daveesaunders

Got my Cossies insurance through Adrain Flux £1200 fully comp and was 24 at the time, have no major mods to the engine just a K&N and Mongoose Exhaust. 17" wheels, lowered big brakes. None of them made a difference to the premimum as they just removed any vehicle cover which I can get in January

Glen1909

Thanks man, they gave me quote, still bit expensive based on the above I think for TPFT, but the cover is good so think im gonna go with it.

What do you guys think based on the above car info?

RSKim

have you tried tesco too, they CAN be good with some cars....why not go onto money supermarket or autotrader and search all the insurers on there

I got quoted 900 tpft on a saxo vts, just to see what the diff was between that and a cossie pmsl....im sure you can guess i went and bought a cossie!!!!!

Id luv to know how they work out insurance, it dont make sense

TemptRS

try quin

Glen1909

I tried tesco online and they wouldnt do it, might try ringing them up though if they do modded cars. If they insure a cossie I dont see how they can argue!

Oh and I worked for car insurance company for two years and still dont know how they work it out!

Cheers TemptRS, I will check it out

Shings

Your forgetting some other things which insurance is based on.

Age, Location, NCB and convictions.

Adrian flux are a good bet though.


Incidently- you might say "i'm not paying 900quid" but if thats the cheapest you can get - you will be.

Jake

Dan

Quinn Direct are the people, very good.

Also try www.bell.co.uk mate, i'd only pay £1100 on a modded Saph Cos with no NCB

Glen1909

Yep indeed I will, but im not going down without a fight!

Yeah im 21, live in milton keynes(bucks), have 2 years bonus, no convictions and 1 non-fault accident full recovery. Surely im the perfect risk!

Think the quote I got with Adrian Flux through HIC, as they seem to be broker.



Checked their website but it says so long as you car is not modified so will ring them tomorrow to check.

Cheers Guys

scottbrown

age could be an issue.

modded cars always add a loading with most companies as seen as higher risk.

why not buy a fast standard car? the insurance prob wouldnt be much more

Daveysaff

iTrader: (9)

if you've got a standard car try www.bell.co.uk
If its modded try Demon Tweeks insurance, you'll have to google it though I aint got the website addy.

BM08

yeah tescos are good and im with Norwich union at the moment, paying 420 fully comp on my GTi and thats with 4 yrs no claims and im 22

Age helps ALOT and no claims bumps it down abit, i think when your another year older and got another years no claims it will come down 100-200, but right now i think you'd struggle to get it below 700 to be honest!

Try confused.com aswell, it will search through loads of companys for you and return the results cheapest/highest in about 1minute

Let us know how you get on

TemptRS

my cars modified and they're the best for me

OldSkoolRS

try elephant.

They quoted 650 on my girlfriends brothers saxo vtr. He's 20, has a retrimmed interior, lowered, 17s, de-cat, induction kit and a serious stereo.

Glen1909

Cool, I got some material to go on there, and three days to do it!

And I have to go to work from 9-5!

Er......Im gonna have to go mugging just to pay for the insurance, my car can't be worth more than a grand. I would have to do some serious mugging to get a fast std car. Would be nice though. lol (*disclaimer - for the record I do not go mugging nor do I condone that sort of behaviour)

GTI_iTG - im with NU D at the mo but they dont know its modded and im not telling them before 20th incase they somehow pull a fast one and steal my 2 yrs bonus from me for non-diclosure.

My renewal premium is £750 and cheapest quote with no mods is £550 with the AA. Tescos are £800 without declaring and I tried confused elephant etc and didnt get anywhere! ! !

Insurance is so random though, what is cheap for one person is well expensive for the next when your circumstances seem similar.

Sukhy RS

www.confused.com

Tony @ Greenlight

Glen,

Defrauding Insurers is not a route that we can condone or suggest, pleading ignorance will not be regarded as a plausable excuse (especially as youve carried out other modifications to your vehicle). Non-disclosure will only result one way, namely in presented claims being repudiated and your being placed upon collective registers that all Insurers have access to.

If you think finding Insurance is difficult now, after being refused cover and added to the QUE or MIAFTA registers sourcing cover will be a real problem to you.

For the sake of an "air filter/induction kit" it's simply not worth it. Surely if the Insurers in question accept the exhaust they will accept the filter??

This isnt meant to be a lecture, but as a broker (and vehicle enthusiast) we do see both sides and are exposed to these situations dailly - my advice would be to be upfront and forthright, look for modified vehicle specialists or take time to thoroughly explain the purpose of each modification (& its impact upon your vehicle) to the individuals that have provided you decent standard vehicle quotes.


Kind regards & best of luck sourcing cover.

Tony

gingeRS

seems it may worth keeping my saff then

i have a stage3 saff and insure it for only 680 quid fully comp (3 years ncb)

i tried to get insurance on a second car (1 litre fiesta) as a run around and it came in at 500 quid tpft!!!

seems i may have to use the saff all the time then

Glen1909

Fair enough mate, I was being slightly pedantic I suppose. Your right though, you will never win, just seems harsh sometimes I dont see what the big deal is about my car, its not an RS or a Cossie or anything, although judging by what gingeRS is paying thats what I should get!

Thanks for your advice though mate and everyone else

dvid

Try Elephant, I paid £738 fully comp for my GTi with induction kit, lowered and exhaust at 21 with 3 accidents (one my fault) and 2 years no claims

Glen1909

You are a lucky man - just called them they said £1600 TPFT and over £2000 for comp!!!!

How the hell is it so different for similar risks?

Glen1909

All sorted, went with Herts Hic insurance, upped the fire and theft excess which brought down the price - £785.00

Inc like for like cover on mods and driving other cars cover which is cool.

Thanks for all your advice guys youve really helped me out.