Modified car insurance?

daylers

Does anybody know is there any modified car insures in Ireland like Adrian flux in the UK

Seems to be impossible for Irish car enthusiasts to find a complany to insure them when they try do the right thing and declare modifications?

Anybody have any experience with insuring a car with think like coilovers amd exhaust and typical car enthusiast things done to there car?

CiniO

My wife has a policy with Aviva.
We put eibach springs and strut brace to the car. Declared it to insurer and premium went up by 15%. IMHO not too bad.
After few years, premium is anyway at their minimum of €280 so no difference now.

dar83

Depends on the mods you're speaking of. Suspension and that kind of thing aren't too hard to get insured once you're with one of the larger companies (i.e. Not a low cost specialist) but you'll have problems when you go for actual performance mods, such as intercooler, exhaust, turbo etc...

Oddly enough if your car isn't one of the already high bracket cars and you're an existing customer, 123.ie were one of he ones that would insure mods once you could provide an engineers report.

liam7831

Im with Allianz there not too bad I guess, just got renewal in post €580 was €478 last yr, gt4

Supergurrier

Mods, what mods ?

Soberts

Im having some trouble at the moment! Have had insurance with coilovers and performance exhaust before but this time its a different story!

Ringing around and once you go over like 2-3 things the person on the phone is like "please hold on a second" and always come back saying unfortnately we cant cover you blah blah blah....

Aviva seem to be the only ones who will play ball, they are sending out a form that I declare the mods on and then if they are happy to cover then I have 1-2 months to get an engineering report to back it all up. Hopefully they dont run for the hills like the rest!

Currently have 3"downpipe, intercooler, intake and coilovers.

little man disorder

Soberts wrote: »

Im having some trouble at the moment! Have had insurance with coilovers and performance exhaust before but this time its a different story!

Ringing around and once you go over like 2-3 things the person on the phone is like "please hold on a second" and always come back saying unfortnately we cant cover you blah blah blah....

Aviva seem to be the only ones who will play ball, they are sending out a form that I declare the mods on and then if they are happy to cover then I have 1-2 months to get an engineering report to back it all up. Hopefully they dont run for the hills like the rest!

Currently have 3"downpipe, intercooler, intake and coilovers.

How did you get on with this in the end??

I too am with Aviva and I am being asked to declare that no mods have changed on the car since last declared, so I would love to know how you got on with since you have submitted the engineers report and who did you get it done by?
Obviously a SIMI registered garage as they do not accept non SIMI garages, but I found that to be troublesome as most SIMI garages will not do it. I went to about 10 SIMI garages before my last one as the excuse was "we would not know what these engine mods do in terms of performance" I did find one in Cork which I went to, not surprisingly a Subaru garage in the city forget its name but a quick google will sort that out. Ryan's Garage in Cork..
I have also heard stories of it depends on the mechanic you talk to as some garages I have previously tried supposedly now do it, but I have yet to confirm that myself for sure, but I am sure I will for when I get asked which is inevitably coming after I submit that proposal form for no mods have changed since last insured.

So here is my situation:

Car insurance is due for renewal with Aviva next month
I am being asked to submit documents yet again which I will do as I have to so I can get a quote from them..
Currently its 900 euro that went up from 800 last year.. So I expect another hike of about 200 but who knows!!! Last year initially quoted me 1600 but I got that down to 900 :D
I have the car insured with Aviva 8yrs but it’s still very difficult every year with them, they don't make it easy at all..

So I am 28 driving the evo 5 8yrs
9yrs NCB
No points or claims or convictions
Car has engine mods and cosmetic mods declared.

So I phoned every insurance company on the market today at least majority first declaring the mods and then NOT declaring just to the difference and to see what’s on offer out there..
I tried with a 97 mirage too 1.3 Jap import not modified but that's even hard.

So the long list:
Chill insurance: No with evo and yes to 97 mirage @ 1285 with 6yrs named experience as NCB is on the evo.

Liberty: No with the evo and yes to mirage @ 470

Topquote.ie:no on both cars because of age and import.

Top Insure: Waiting on a call back for both cars

quoteme.ie: no on both cars. Age again and jap
(Formerly XS direct)

Insure4less: no age of car

supervalue: no age of car

Hooper Dolan: Yes on the Evo @ 2100 modified and yes unmodified but only 200 in the price @1900, yes on the mirage lowest was @800 tpft

Britton insurance: waiting on call back

Aig: no on the mirage or the evo but offered manual proposal form for the underwriters to decide on both cars.

AA: no evo with mods and then no evo unmodded because of age :mad::mad:, same again on mirage "age"

123: no because of age only deal with 99 and above as with most..

Axa: no because of mods and unmodded no because of age, mirage was the same "age"

FBD: no because of age

Heffernan insurance: waiting on a call back

O Leary: no because I am not of the age 30 on the evo and mirage was @710 tpft

McCarthy insurance: no because of the age on both cars

Arachas: no because of the age of cars

Allianz: no Japs cars or modded

25plus.ie: no because of age on both

coverinaclick: no Jap cars

First Ireland: no on the type of car again Jap imports

Morrison: waiting on call back

Campion for Evo only!! modded roughly @ 6/7k and unmodded @1300 or 1400 (Thanks Stephen seems a decent place)

Carol Nash: no jap cars

quote devil: awaiting call back

Nonstandard.ie: waiting on a call back

so all in all I think I got it covered and just shows how hard it is to get insured even if you own the car along time and have been a good boy;);) with no points or claims and have everything above board..

my verdict: not impossible but DAM close...

I am going to continue this little experiment and spread my horizons to some UK companies in NI to check what options are available??


If you know a company please tell me...

Supergurrier

Crap situation alright.

A large part of why i sold my Focus ST.

JohnBoy26

It's ridiculous that insurers are refusing cover just because of the age of the car.

daylers

Don't understand why they don't have a modification friendly insure, the likes of Adrian flux in the UK are far better to deal with them any here, with the huge car scene you'd think there would be a big enough gap in the market

little man disorder

@johnboy yes I was shocked of how many did it "age" I was so annoyed I decided to phone Irish Motor Federation for insurance, I got the "yeah I know its just the way things are going" they really only care if you cannot even get one quote then they care other that no!

little man disorder

Supergurrier wrote: »

Crap situation alright.

A large part of why i sold my Focus ST.

Sad sad story man seriously...:mad::mad: drive ye mad
Yeah I hear ye and can understand but I just love the Japos..

Some company that covers this niche will make a lot of money if they are clever enough to insure older cars with long driving history of driver with modded/high performance cars or something not insure every 18yr old with modded car even some sort of high standard of driving test even!! something!!

Some UK company maybe eventually might make it's way over here like brentacre or wolfrace or something or am I being too optimistic!

daylers

Really need some uk company's here, young lads can insure classic cars cheaply there and everything, makes it possible to actsully have cars be your hobby

little man disorder

did not even see your post but thought the same thing some UK company.. LOL

little man disorder

yeah I know it's actually nuts like..

I think the loophole here is go with Garage Insurance if you can get it and suits your needs..

At least that's what most of my pals are doing now... I just did not get the chance to try that line yet but I will.

So if you have any companies that do Garage insurance for Non registered Vat, Under 3k year made please let me know cos I think it's the way to go tbh.

To Elland Back

daylers wrote: »

Really need some uk company's here, young lads can insure classic cars cheaply there and everything, makes it possible to actsully have cars be your hobby

Do you seriously think that each and every UK insurer has not already had a good look at the Irish market and not realised that we are a basket case? With fraud, outrageous awards, our love of a bit of whiplash, our poor driving, our legal & medical professions, we are well on our way to becoming uninsurable

Del2005

daylers wrote: »

Don't understand why they don't have a modification friendly insure, the likes of Adrian flux in the UK are far better to deal with them any here, with the huge car scene you'd think there would be a big enough gap in the market

Unfortunately the insurance companies in this country watched the RTE program about "car enthusiasts" and painted everyone the same.

little man disorder

Yeah I am sure they have a had a look and now I agree on present day terms probably not going to happen with the whiplash awards claims up in terms of $$ and in volume of claims which that has been shown in a recent report but Modded car scene exploded in 1999/2001 with Fast & Furious movie and various others, how come they were not here then when the claims would not have been as high or awards or non insurance driver claims..


Like today we have setanta insurance belly up which are affecting us all now but UK companies for modded cars were never interested and it cant be only because of those reasons you outlined as they were not a big factor back then... so they must be something bigger..

To Elland Back

Del2005 wrote: »

Unfortunately the insurance companies in this country watched the RTE program about "car enthusiasts" and painted everyone the same.

Yeah, that was the deciding factor which insurers based their underwriting criteria on

daylers

whiplash claims and stuff are no worse then in the UK and Irish peolele are actsully generally not bad drivers, move to australia for a few years you will be shocked at the quality of driving, the fraud is a big problem but arguably caused by such over priced insurance

I'm 20 full lience live in the country side and been quoted 5k on a 2000 1.1 206 as its over 15 years old, I was expecting quotes of about 2k but 5k is almost redicliois, I don't think insures here even use statistics to evaluate risk tbh as the UK system seem compleatly diffrent

biko

Try Britton Insurance.

Soberts

@little man disorder

In the end I just gave up! Like you I couldnt get a SIMI garage to do an engineering report.

I tried my absolute best to do the right thing and declare all of the bits that I have done but it was made literally impossible to do! I would have no problem declaring if it was made easy and it was just a case of this will cause your insurance to go up by 'X' amount and that the end of it!

It had literally gotten to the stage where I didnt know what else to do! Was thinking about selling the car/removing all of the extras.

My final decision was to just continue on as I was with the mods without them being fully declared, it wasnt worth the amount of worrying that I was doing. There are 100's/1000's of cars driving around that have a tonne more mods done to them than mine, and they havent declared a single thing! I know there are horror stories associated with doing this but as I have already said, if the insurance companies didnt make it impossible to declare mods, I would do it/already have done it without hesitation.

stezie

To Elland Back wrote: »

Do you seriously think that each and every UK insurer has not already had a good look at the Irish market and not realised that we are a basket case? With fraud, outrageous awards, our love of a bit of whiplash, our poor driving, our legal & medical professions, we are well on our way to becoming uninsurable

Not to mention that all our cars are artificially over valued, compared to an equal model in the UK, due to the extra cost of VRT and our higher VAT.

If a brand new car is written off, then you are basically insuring thousands in VRT , and VAT.

little man disorder

@daylers yeah 5k is way too much, mine was over 2k on a 1.0 micra at the time on my first car.. No way would I pay 5k that being said mine was not modded. Imo I actually hate seen 1.4 cars or whatever modded unless it's an actual decent car like integra, sir civic or something but that old corolla 1.3 with alloys and most annoying of all some smelly exhaust that just makes noise, adds nothing to performance drives me crazy 😜..

But on the insurance front keep looking you will find one not easy but you will get that one even if you have to ignition test with Aviva it is worth to get you started earning that NCB especially if your young and looking to progress to high performance cars later in 2/3 yrs down the line.

little man disorder

@Soberts. Yeah I know it hard to get the engineer report but like I said I did find a mechanic in Cork. Now I know a few chaps who have told that they got theirs dine from garages I previously tried so if I get asked that's where I am going first if not hopefully that mechanic is still in subaru in Cork as that's where I got it done before.. It most definitely depends on the mechanic that you get talking to for the simi report 100% I tried loads before success I found one but that was over 5yr ago now easy

little man disorder

@Sobert. I completely understand not declaring the parts there just no market for it really and the hassle it causes is unreal. Yeah your right no doubt there's many undeclared and unfortunately the insurance companies cause this which IMO makes it worse as every car insured modded with undeclared that crashes and does not get paid as insurance is void goes to the stastic of "uninsured driver" which affects all premiums across the board regardless of the car.

so in fact by not having that modified car market are creating a worse scenario for more uninsured drivers "technically" speaking if they crash which obviously causes the situation to worsen... You think some educated boffin would of copped onto this by now really..

completely stupid situation really