modified car online insurance quotes?

sean1141

guys where do ye get insurance for the mods ye have done?? most online sites say you cant have modified your car in any way.. of the 3 that i found online that allow you to select what mods you have done only quinn will quote me. no nonsense and fbd wont quote me.. i know i would be better off calling into a broker but there is not many around here that would even entertain ya... one crowd that my aul chap was with wanted 500 euro to put me as a named driver on his 1.9 206 van!!
wtf is classed as a mod anyway?? if you changed your shocks from a worn factory setup to cheap ones you can get in the motor-factors is this a mod??
if you dont replace your tyres to the exact same ones that came on the car the day it was new dose this count??
so what company's are ye guys with and do they rape ye for the mods ye have done? what way were ye treated when ye added stuff??

maybe the wrong section if so please feel free to move

Henry Ford III

Mods. are underwritten individually, and not online. Too many variables.

Mods. can be pretty much anything non standard/uprated. Simple replacement of tyres wouldn't be a mod. as long as the new ones are the same size and profile.

An uprated stereo is a mod. Makes the car more attractive potentially to a thief. So are fitting alloy wheels in the place of steels.

Many mods. will not warrant an increased premium btw.

Always disclose if in doubt.

CiniO

Henry Ford III wrote: »

Simple replacement of tyres wouldn't be a mod. as long as the new ones are the same size and profile.

Are you serious that it's also treated as an modification?

So if I'm putting winter tyres which are just one size different, do I have to let my insurer know?

sean1141

Henry Ford III wrote: »

Mods. are underwritten individually, and not online. Too many variables.

Mods. can be pretty much anything non standard/uprated. Simple replacement of tyres wouldn't be a mod. as long as the new ones are the same size and profile.

An uprated stereo is a mod. Makes the car more attractive potentially to a thief. So are fitting alloy wheels in the place of steels.

Many mods. will not warrant an increased premium btw.

Always disclose if in doubt.

cool. so if i replace something on my car with a part off a higher spec model of the same car is it classed as a mod? take for example if you have a micra with a tape player and you change it to a cd player out of a higher spec micra.:eek:

kildare.17hmr

what mods are on your car that your worried about??? your being very vague about it!

sean1141

CiniO wrote: »

Are you serious that it's also treated as an modification?

So if I'm putting winter tyres which are just one size different, do I have to let my insurer know?

but if you fit alloys that are one size bigger these are classed as a mod!

on tyres.. if your car came with bridgestones from the factory and when the time came you replaced them with say triangles of the same size as these would not be manufacture spec??

sean1141

kildare.17hmr wrote: »

what mods are on your car that your worried about??? your being very vague about it!

h&r cup hit. h&r front and rear arb. pioneer stereo. recaro seats.

-Chris-

sean1141 wrote: »

h&r cup hit. h&r front and rear arb.

What are these?

sean1141

-Chris- wrote: »

What are these?

that was ment to be cup kit:o eg lowering springs and shocks. arb= anti roll bar

h&r is the crowd that make them.

Henry Ford III

CiniO wrote: »

Are you serious that it's also treated as an modification?

So if I'm putting winter tyres which are just one size different, do I have to let my insurer know?

If you want to be certain of cover then yes. Always let the insurer decide what's a "material" mod.

Always document it too.

kildare.17hmr

these shouldnt affect your premium, the recaro seats might if they are big buckets but if they are just normal recaro semi buckets like in a gsr or gti golf i wouldnt even bother tellin them. As for your question about the brand of tyre, no not classed as a mod if you use differant brands.

-Chris-

If you're changing the performance or changing the value of your car, you'll need to tell your insurance company for definite.

All the mods listed so far (bar the tyres and replacing the shocks as per your first post) would fall in this category imho.

Call your insurance company.

Henry Ford III

sean1141 wrote: »

that was ment to be cup kit:o eg lowering springs and shocks. arb= anti roll bar

h&r is the crowd that make them.

These plus the Recaro seats are almost certainly material modifications.

kildare.17hmr

Henry Ford III wrote: »

If you want to be certain of cover then yes. Always let the insurer decide what's a "material" mod.

Always document it too.

henry come on now seriously do you ring your insurance company everytime you get a new tyre:rolleyes:

Henry Ford III

kildare.17hmr wrote: »

henry come on now seriously do you ring your insurance company everytime you get a new tyre:rolleyes:

If it was a different size (wider profile) then yes I would.

If it were a simple new for old in the same size I wouldn't.

kildare.17hmr

lowering springs and shocks are a mod and should be mentioned

sean1141

so what are the best insurance companys to talk to for mods?

-Chris-

Thread moved to Modified Motors

CiniO

BTW.
I have a set of nice Eibach -30mm springs for my Bravo.
I got them as a present from my friend, who was using them for a last year.
Now he sold his bravo with stock springs, so he didn't need them anymore.

If I fit them myself (i have all necessery equipment), will it be OK with my insurance comapny? Won't they ask for any receipts, etc.?

-Chris-

Why don't you ask them?

zubair

sean1141 wrote: »

so what are the best insurance companys to talk to for mods?

I'm with Aviva and they haven't charged me for any mods (including remap and coilovers). Are you being quoted so high for another reason such as a low ncb, age, engine power? Have you just bought the car and your looking for your first policy?

sean1141

zubair wrote: »

I'm with Aviva and they haven't charged me for any mods (including remap and coilovers). Are you being quoted so high for another reason such as a low ncb, age, engine power? Have you just bought the car and your looking for your first policy?

im 27. 7 years ful licence 8 year ncb no points no claims ever driving a tdi. i haven't rang any companys to ask them about mods but any that i have found that alloy you to add mods online wont quote me except for quinn and i dont really want to go back to them

zubair

I called into my local aviva office a couple of years ago rather than going online or calling their call centre. They added every discount they could for me (big discount for naming my partner on it too, not that she ever gets to drive it), found them very helpful. When I was reporting the mods I called into the office again, no problems at all.

Edit: Just recalled I even reported mods I haven't done yet but plan too over the next year

Graham_B18C

If you have the policy, you can add the mods on afterwards but it can be risky

sean1141

my renewal is coming up soon. just wanted to see what companys ye guys use that are mod friendly!

Graham_B18C

sean1141 wrote: »

my renewal is coming up soon. just wanted to see what companys ye guys use that are mod friendly!

Unfortunately Quinn were the only ones that would quote me at all!

There's a crowd called The Munster Group that are meant to be quite reasonable, and are mod friendly

sean1141

cheers graham. ill look them up. might call into fbd someday too. da aul chap has the farm house tractors and his van (which i am named driver on) insured with them.. there quote online without mods aint too bad