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JonC

Modified car insurance; who do you use?

18 posts in this topic

My insurance expires today and my car is garaged until I can source a (hopefully) cheaper insurance quote. I have been paying my previous insurer, Elephant.co.uk £900 for a 10 month fully comprehensive policy to insure my modified GTI. I'm 37 in a few days, with 2 years NCB. The excess was £250. Thing is with Elephant, is that they classify everything which doesn't come on a standard car as modified, including leather, cruise, xenons etc. So should the car be stolen, one would recieve the value or replacement of a standard car. Not ideal when my car has all but 2 of the optional extras! Greenlight want £450 excess (!!!) but have quoted circa £750 for an annual fully comp policy. Any suggestions, anyone? confused.gif

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Adrian Flux are pretty good about modified cars, worth getting a quote.

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must admit Admiral have been brilliant for me the last 2 years !

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[ QUOTE ]

Adrian Flux are pretty good about modified cars, worth getting a quote.

[/ QUOTE ]

Tried them and they were more expensive. I forgot to mention I have a SP30, a SP50 and a 50/50 minor accident in a company car to take into account. frown.gif

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Bearing in mind you don't really know how good an insurance company is until you claim, my dub is with Greenlight and my mini is with HIC.

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I use HIC and if you mention your part of absolutemini you'll get a 10% discount 169144-ok.gif

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Try "A-Plan" Jon, who I know are mod-friendly.

I`ve been with them a few years now, and of course, they try it on every year at renewal time by charging more than they need to, but the usual `gentle persuasion` of finding someone else to better their quote always does the trick, and they either beat it or match it.

Okay, I don`t know how good they are when you need to claim, (and I hope I don`t have to find out), but you can say that about any company, but as I said, I do know that they are definitely mod-friendly, or they have been with me over the years. 169144-ok.gif

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[ QUOTE ]

Try "A-Plan" Jon, who I know are mod-friendly.

I`ve been with them a few years now, and of course, they try it on every year at renewal time by charging more than they need to, but the usual `gentle persuasion` of finding someone else to better their quote always does the trick, and they either beat it or match it.

Okay, I don`t know how good they are when you need to claim, (and I hope I don`t have to find out), but you can say that about any company, but as I said, I do know that they are definitely mod-friendly, or they have been with me over the years. 169144-ok.gif

[/ QUOTE ]

Definately worth a call; Cheers encee beerchug.gif

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Greenlight seemed the most comprehensive to me, although Adrian Flux came out cheaper (a lot cheaper) I don't trust them or their cover.

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[ QUOTE ]

Greenlight seemed the most comprehensive to me, although Adrian Flux came out cheaper (a lot cheaper) I don't trust them or their cover.

[/ QUOTE ]

Any reason Ben?? confused.gif

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The cover was with someone I'd never heard of (Ensign?) and when I called back to ask them for a price with a remap, they had got my list of mods incorrect. When I tried to interrupt to correct him he took what I said as the same as what he'd said and when I tried to explain that it wasn't, he didn't really care too much.

I am concerned that if I were insured with AF I wouldn't get a high level of cover and there was no mention of like-for-like on mods (which I know Greenlight do) so if I had an accident or the car was stolen, I have no idea about what I'd actually get back for the car. The experience just didn't give me much confidence to be honest.

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And I forgot to say.. the APR on their premiums is something like 29% if you pay monthly!

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Noel Dazely.

Sensible with mods, all declared and like for like.

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Spoke to one insurer today (can't remember who as I've spoken to a few) and they said that the prices change every 30 days, so if you're lucky enough to call on the day which they are at their cheapest, you clearly benefit.

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Adrian flux for me but no experience of claiming with them but seem pretty efficient at everything else

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Tesco! Yes, they cover mod parts for mod parts, and they came out 100's cheaper than Flux!

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