PinkLady

Is there such a thing?

My insurance is up for renewal and at the mo i havent actually declared my car modified as it has only recently all been done.

Im with a crap company at the moment as th car was standard but now i want to move to a better one for modded cars.

Thing is, when i declare everything the insurance quote is gonna shoot up and then if it gets nicked then they're gonna give me about £200 book value for a Ford Fiesta.

So where do i stand - i dont want to do anything illegal but if im paying more - i wanna get a good payout.

Any help you can offer...?

Westy

iTrader: (1)

I think HIC Insurance offer this.. just a case of sending in pics etc.. ??!!

Muska

you can get this, i have it with adrian flux. they just asked for some photos of the car and its sorted. depending on what car it is you could also look at classic policy, that will make it alot cheaper if its a second car but you wont get any no claims on it.

Westy

iTrader: (1)

Adrian Flux, you have to be over 25 so that counted me out

PinkLady

Yep, counts me out too - im 22. Its so annoying cos im still a student so i do need a cheap quote and its horrible thinking that all that time, money and effort could go down the pan if some frig decides that they want it.

I mean, it is only a Fiesta but that doesnt mean it hasnt cost anything to put together and i really dont know what to do.

Does it cost more with a guranteed amount?

Muska

im 23 mate and had no problems getting it...

Muska

does not cost more either.

dvid

strangely enough Elephant are quite good for that... dont have very many mods on mine but insurance only went up by £40.... check em out anyway

PinkLady

So Adrian Flux is the one then...?

And i will just need to call them up, tell them everything that is done and then send the pictures???

Do elephant guarantee an amount too then?

CabrioTurbo

LIVERPOOL VICTORIA WILL INSURE ANY MODIFICATION WITHOUT EXTRA COST AS LONG AS THE CAPACITY OF THE ENGINE IS NOT INCREASED...
(damn capps lock)
Stupid? i thought so.. although my mate has a policy with them.. and i was there when he asked about the modifications etc.. adn they didnt charge him anymore!

Muska

adrian flux is who i have it with, ask them about a classic car policy too, my car is only 15years old but i got one

PinkLady

Mines H plate so thats about 15 years too... Does it need to be a second car though?

PinkLady

And i take it Liverpool Victoria is out cos im getting a 1.6 XR2 fitted in a couple of weeks cos its only a 1.0 at the mo?!

Muska

no, just bare in mind you wont earn any no claims bonus on a classic policy but it will be cheaper. for instance, i lost all my no claims when my old rs got stolen and adrian flux cover me fully comp with no ncb and agreed valuation for just over 800quid! 650tpft it would have been. think thats a bargain myself!!

PinkLady

Bloody hell - definately think ill give them a call then!

Thanks Muska - you may have saved me a small fortune!

Muska

let us know how you get on
another trick to keep cost down is to limit mileage, mines only on 1500 a year as its a bufty toy

PinkLady

Im on hold waiting for a price now!

churchy

If you get no lick with any of the above companies, try Dominion, as my car has agreed value with them, but they won't insure under 25's on any more mods than stg1 on a cossie, and being 23 and having stg2 fitted, that has counted me out this year round Worth a try though, might work out for ya, good luck.

PinkLady

Just got off the phone - dunno whether its good or not?!

I would get a guaranteed payout subject to six colour photographs with £50,000 of cover in health and all that sort of stuff, £200 excess (which is good, cos at the mo its £550)! Bad part - £1323.

Is that good?

Thing is, i did say the engine will be changed and declared all the mods and this is the first time of starting on my own policy.

Dunno what to do now!

churchy

If you have no no claims, its gonna be high.

PinkLady

Yeah exactly. At the moment insured as a standard fiesta with a 1.0 and as a named driver its £420. When i looked into a 1.6 and in my own name i was quoted £600 from Virgin - but that was without mods.

With this one i would get a guaranteed payout (dunno What) and its all legal but over a grand makes my entire bank account scream!

PinkLady

Might try Dominion - dyou reckon they'd look at it? Im 22 but no years no claims.

its only a done up Fiesta but the engine will be changed from 1.0 to 1.6???

churchy

420 quid as a named driver on a 1.0 festa
600 quid on a 1.6 festa
Keep ringing round, those prices seem pretty high. Or, marry a footballer

PinkLady

Oh i thought that was quite good! Other prices i have been quoted on a 1.0 litre in my own name is £1300?!

Any way i go - im fecked basically. I better let my boyfriend know im running away with Arsenal lot tonight - no questions!!!

Hopefully Henry will take on me, my car, my college fees and my baby!!!

Wish me luck...!

churchy

I think luck has packed its suitcase and scarpered
It might be a good price, cause it does depend on where you live, previous convictions etc...., and I don't know your whole story. But I would definatly say keep trying, I think you'll be able to get it lower than that. I was first quoted 3.5k on me cos, and got it down to 1100 quid, so it goes to show. I hate it, its not as if your a different person everytime you phone someone else, so whats with the price difference? Anyway, happy hunting

Muska

that quote is a bit high!! was that a classic policy? is the car garaged... or do you have one at the property? did you ask what is would be like without the engine conversion? to se the difference it would make. may be cheaper to buy a 1.6 xr2i for a few hundred and insure that instead of the conversion...?

PinkLady

They said they couldnt do classic. the cars kept on the street and ive got three point for speeding.

I asked whether it makes a difference with the engine and he said no not at all really as long as ive got a receipt from a reputable garage who fitted and checked it.

Im pretty stuck now!

Muska

shit one! sorry about that, but shop around and see what else you get. how much is the engine conversion costing you?

PinkLady

Ive just put a post on here cos i dunno whats a good deal...?

I bought the engine, gearbox, brakes, exhaust and absolutely everything for £100 and its all in excellent condition.

Ive been quoted £250 to get the old one out and the new one in.

But basically the reason why im changing is cos the clutch has gone, theres an oil leak, it smokes so to get all that fixed i thought it cheaper to buy an engine and box that i know works really well.

Dyou reckon thats a good price?

Muska

100 for all that is good imo! wouldn't have a clue about labour costs etc to get the new one in tho, don't you need the loom/clocks etc?

Westy

iTrader: (1)

strange I got a quote off of Adrian Flux yesterday and they clearly stated no garunteed payout.. did give me a reason, summit to do with the under-writers.. might be different for each case.. Car?? area??? Value etc..

oh well, g'luck

PinkLady

Yeah got absolutely everything. Clocks already in but instead of going injection im keeping it carb.