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Author Modified Cars suck
dave17
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Registered: 3rd Sep 02
Location: Greater London
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5th Jul 06 at 14:15   View User's Profile U2U Member Reply With Quote
They really do.

Spent hours yesterday trying to get a cheap price for my car insurance.

Cheapest i managed was £600 with a company, BUT i didnt declare the mods.

If i declared all the mods (wheels/lowered/exhaust) it was over £1300, or they just wouldnt insure me.

So i basically bit the bullet, said the car was standard and will have to put it back to standard this weekend if i cant find anywhere to insure me.

Its only a 1.4

As it stands i am 21, 6 points, 0 NCB, ok postcode.

I did a quote online for flux, came out £930, but i cant warrant paying £330 just to keep my wheels etc.

I dont even want the corsa anymore, but cant afford to replace it

Any other reccomendations where they dont mind mods?

[Edited on 05-07-2006 by dave17]
mwg
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Registered: 19th Feb 04
Location: South Lakes
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5th Jul 06 at 14:17   View User's Profile U2U Member Reply With Quote
Yeah modded cars suck. I'm having a standard car next
Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
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5th Jul 06 at 14:18   View User's Profile U2U Member Reply With Quote
I thought it was written off?
Pablo
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Registered: 3rd Feb 03
Location: Milton Keynes
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5th Jul 06 at 14:19   View User's Profile U2U Member Reply With Quote
Yeah, me2, astra vertible or R32, depends if I get a house or not.
dave17
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Registered: 3rd Sep 02
Location: Greater London
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5th Jul 06 at 14:23   View User's Profile U2U Member Reply With Quote
No they repaired it ages ago Olivierrrrrrrrrrr
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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5th Jul 06 at 14:28   View Garage View User's Profile U2U Member Reply With Quote
you spoken to HIC now you're 21?

They cover me for less than £400 all in; everything declared, agreed valuation of £4500; reasonable excess; fully comp etc etc
a_j_mair
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Registered: 23rd Jan 04
Location: Scotland
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5th Jul 06 at 14:33   View User's Profile U2U Member Reply With Quote
^^^ as above
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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5th Jul 06 at 14:34   View Garage View User's Profile U2U Member Reply With Quote
although 5years NCB and 3 points ( although they're off my license now; they still ask for them upto 5 years)
dave17
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Registered: 3rd Sep 02
Location: Greater London
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5th Jul 06 at 14:35   View User's Profile U2U Member Reply With Quote
on phone to them now, know any discount codes at all?
a_j_mair
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Registered: 23rd Jan 04
Location: Scotland
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5th Jul 06 at 14:37   View User's Profile U2U Member Reply With Quote
corsasport should get you a discount when they ask if you are with any clubs
Scotty C
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Registered: 6th Nov 05
Location: Kidderminster Drives: 1.6 16v Sport
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5th Jul 06 at 14:38   View User's Profile U2U Member Reply With Quote
So it's not the case that modified cars suck, its the insurance companys that suck
RichR
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Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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5th Jul 06 at 14:40   View Garage View User's Profile U2U Member Reply With Quote
yeah - when they ask if your a memebre of any clubs quote Corsasport - if they dont ask - tell them

Phil (who's left now-if they ask for a name) set up the discount iirc
Mark Petty
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Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
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5th Jul 06 at 14:43   View User's Profile U2U Member Reply With Quote
Very true modify cars suck, too much hassle with regards to insurance, things breaking etc..

Best thing is to get a car that has a bodykit and is fast from standard. Easier to insure IMO
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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5th Jul 06 at 14:51   View Garage View User's Profile U2U Member Reply With Quote
I'm with Asda for £644 Declared

Corsa 2.0 16v Vegas - Sold
dave17
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Registered: 3rd Sep 02
Location: Greater London
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5th Jul 06 at 14:54   View User's Profile U2U Member Reply With Quote
ermmmmmmmmmmmmmm £1354 FC, i dont think so...............
dave17
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Registered: 3rd Sep 02
Location: Greater London
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5th Jul 06 at 14:56   View User's Profile U2U Member Reply With Quote
or do i just not tell the insurance and keep all the parts on.

If anything happens, take them off?
Gregor
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Registered: 28th Nov 03
Location: Paisley, Renfrewshire
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5th Jul 06 at 16:30   View User's Profile U2U Member Reply With Quote
Go to quinn direct mate

Very good for young drivers and dont mind mods
PaulW
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Registered: 26th Jan 03
Location: Atherton, Greater Manchester
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5th Jul 06 at 16:37   View User's Profile U2U Member Reply With Quote
brentacre also may be worth a try
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
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5th Jul 06 at 16:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by PaulW
brentacre also may be worth a try


try these, mine had venoms on so had to be a modified car policy, these were cheapest! I was getting quoted like 300 extra even though i was saying i didn't want them insured!
Fonz
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Registered: 12th May 06
Location: Newbury, Berks
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5th Jul 06 at 18:41   View Garage View User's Profile U2U Member Reply With Quote
eCar
http://www.ecarinsurance.co.uk/
mk4_astra
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Registered: 15th Oct 03
Location: aylesbury,bucks
User status: Offline
5th Jul 06 at 18:58   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Fonz
eCar
http://www.ecarinsurance.co.uk/

2nd that, they done me an online quote for £1350 fully comp on a honda accord type R (group 18, 224bhp) im 21, 0 ncb, good postcode and 3 points. thought that was pretty good
RickSRi
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Registered: 27th Feb 06
Location: Bickton, Hampshire
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5th Jul 06 at 19:00   View User's Profile U2U Member Reply With Quote
they wont quote me on my sri, say im 2 young
N90ATH
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Registered: 10th Sep 03
Location: Boreham, Essex
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5th Jul 06 at 19:04   View User's Profile U2U Member Reply With Quote
lol aye 1.4 sport with lowered supension, alloys, exhaust, spoiler and stripped out rear = £900 fully comp, take mods off and its £500 fully comp
Jake
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Registered: 24th Jan 05
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5th Jul 06 at 19:04   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by escortgti.com
Go to quinn direct mate

Very good for young drivers and dont mind mods


I will be declaring a couple of mods soon. Do you send them an engineers report for the mods?
Gregor
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Registered: 28th Nov 03
Location: Paisley, Renfrewshire
User status: Offline
5th Jul 06 at 19:32   View User's Profile U2U Member Reply With Quote
Nope , unless youve engine swapped

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