JonC Posted January 16, 2008 Report Share Posted January 16, 2008 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? Link to comment Share on other sites More sharing options...
JAYDR32 Posted January 16, 2008 Report Share Posted January 16, 2008 Adrian Flux are pretty good about modified cars, worth getting a quote. Link to comment Share on other sites More sharing options...
Tomk Posted January 16, 2008 Report Share Posted January 16, 2008 must admit Admiral have been brilliant for me the last 2 years ! Link to comment Share on other sites More sharing options...
JonC Posted January 16, 2008 Author Report Share Posted January 16, 2008 [ 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. Link to comment Share on other sites More sharing options...
spudgun Posted January 16, 2008 Report Share Posted January 16, 2008 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. Link to comment Share on other sites More sharing options...
Ritey Posted January 16, 2008 Report Share Posted January 16, 2008 I use HIC and if you mention your part of absolutemini you'll get a 10% discount Link to comment Share on other sites More sharing options...
RedRobin Posted January 16, 2008 Report Share Posted January 16, 2008 ....Any discount if you are a BIALI boy, Dave? Link to comment Share on other sites More sharing options...
encee Posted January 16, 2008 Report Share Posted January 16, 2008 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. Link to comment Share on other sites More sharing options...
DHA Posted January 16, 2008 Report Share Posted January 16, 2008 Another vote for greenlight here Link to comment Share on other sites More sharing options...
JonC Posted January 16, 2008 Author Report Share Posted January 16, 2008 [ 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. [/ QUOTE ] Definately worth a call; Cheers encee Link to comment Share on other sites More sharing options...
shark_90 Posted January 16, 2008 Report Share Posted January 16, 2008 Greenlight seemed the most comprehensive to me, although Adrian Flux came out cheaper (a lot cheaper) I don't trust them or their cover. Link to comment Share on other sites More sharing options...
steve2 Posted January 16, 2008 Report Share Posted January 16, 2008 [ 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?? Link to comment Share on other sites More sharing options...
shark_90 Posted January 16, 2008 Report Share Posted January 16, 2008 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. Link to comment Share on other sites More sharing options...
shark_90 Posted January 16, 2008 Report Share Posted January 16, 2008 And I forgot to say.. the APR on their premiums is something like 29% if you pay monthly! Link to comment Share on other sites More sharing options...
Paul Posted January 16, 2008 Report Share Posted January 16, 2008 Noel Dazely. Sensible with mods, all declared and like for like. Link to comment Share on other sites More sharing options...
JonC Posted January 16, 2008 Author Report Share Posted January 16, 2008 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. Link to comment Share on other sites More sharing options...
neilp Posted January 17, 2008 Report Share Posted January 17, 2008 Adrian flux for me but no experience of claiming with them but seem pretty efficient at everything else Link to comment Share on other sites More sharing options...
slimbloke Posted January 17, 2008 Report Share Posted January 17, 2008 Tesco! Yes, they cover mod parts for mod parts, and they came out 100's cheaper than Flux! Link to comment Share on other sites More sharing options...
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