deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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. . .Zurich via Endlseigh basically.
I currently pay £780ish for my insurance. 12v, 19, 0NCB, 1 at fault accident, alloys w/locking nuts less than £500, fully comp, commuting, lovely.
I want to lower my car, just -40mm on springs. So, I ring up and ask them how much extra it'll be.
"We'll have to refer this to our technical department sir. We'll call back in 4 hours". Fine. 6 hours later, no call. Ring up, it's still with the technical department.
Call up again today, and finally get an answer at 4pm.
"The current policy you're under won't cover any modifications such as this. What we can do for you though, is get a price on another policy, which means cancelling your existing one". I thought fine, money won't really exchange hands because it's all through Endsleigh, and I'd only lose about 1 months NCB for this year. "Please hold". Fine.
Off hold. "We've got a new policy in line for you sir. And with the 2 modifications, exactly the same policy details apart from that, it will cost about £2000".
So that's £1.3k in effect extra, to lower my car
As you can probably guess, I declined their kind offer.
Sadly, now I doubt have the spare cash to cancel that policy and take out another allowing me to lower, so I'll have to forget that idea.
But £1.3k extra
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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Thats fucking stupid
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Dean_W
Thats fucking stupid
What's more ironic. My insurance last year (year of my crash) was with Zurich. My renewal was £1600. I go with Endsleigh and the actual provider is Zurich, £700
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Baskey
Member
Registered: 31st May 06
User status: Offline
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Mate they all talk shit insuarnace companies.
My company said they will not insure modifications full stop.
I used to work in insurance so i know the score and went and had a full ss zorst fitted anyway.
Phoned them up told them about it and they insured it, added extra value to the car and charged me nothing.
Im not saying to do the same thing but it makes you think.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Baskey
Mate they all talk shit insuarnace companies.
My company said they will not insure modifications full stop.
I used to work in insurance so i know the score and went and had a full ss zorst fitted anyway.
Phoned them up told them about it and they insured it, added extra value to the car and charged me nothing.
Im not saying to do the same thing but it makes you think.
When getting quotes online on the Endsleigh website, I was actually getting similar prices i.e. £2k. BUT I thought by taking out the policy with only alloy modification which made no difference, then a few months later i.e. now wanted to add the modification, it might be cheaper, but no.
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DAZ1985
Member
Registered: 3rd Sep 06
Location: Scholar Green, Cheshire
User status: Offline
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Endsleigh would insure me on my mrs's car im 21 with 4yrs ncb only asking to be put on a 1.4 hdi 206
"Sorry sir we dont insure young male drivers"
They are wank in all honesty and im not suprised
Cunts
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Young
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DAZ1985
Member
Registered: 3rd Sep 06
Location: Scholar Green, Cheshire
User status: Offline
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Thats what i thought
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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my old insurer wouldnt insure my mods either
neither will thses I dont think
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GSi Ghost
Member
Registered: 15th Dec 05
Location: Stoke-on-Trent
User status: Offline
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4years no claims, 21 and they wont insure you on a 1.4??? now that is a piss take! considering what you currently drive lol
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andys sxi
Premium Member
Registered: 19th Jan 06
Location: Chester Drives:Scirocco tdi bluemotion
User status: Offline
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police go on bout people with no insurance no wounder with the price it is now
dean i would try and save up and move to a different insurance the 1s that ur with sound crap and expensive to add lowered suspension
April 08 feature car
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Haimsey
Premium Member
Registered: 8th May 05
Location: Nottingham Drives: Corsa B
User status: Offline
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Same situation as i was in, Deano, sucks doesnt it, my last didnt insure ANY modifications at all.
And IIRC you have the same view as me, why have insurance paid for and then modify your car so it is void.
I had to wait a long time to get mine lowered -35mm i didnt want to cancel my existing policy either cause i wanted my years NCB.
You will get there......one day........one day
[Edited on 09-10-2007 by Haimsey]
Marcy Marc 
White Sport Progress Thread
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Baskey
Member
Registered: 31st May 06
User status: Offline
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quote:
Originally posted by deano87
quote:
Originally posted by Baskey
Mate they all talk shit insuarnace companies.
My company said they will not insure modifications full stop.
I used to work in insurance so i know the score and went and had a full ss zorst fitted anyway.
Phoned them up told them about it and they insured it, added extra value to the car and charged me nothing.
Im not saying to do the same thing but it makes you think.
When getting quotes online on the Endsleigh website, I was actually getting similar prices i.e. £2k. BUT I thought by taking out the policy with only alloy modification which made no difference, then a few months later i.e. now wanted to add the modification, it might be cheaper, but no.
Its also the way you ask as well, phonning your insurer and saying ' yea wanna get me corsa slammed on the ground init' is going to make an insurer shit his self and tell you to F off.
However phoning up and saying ' i need to get some new suspension for my car, the garage have given me a quote for the normal vauxhall suspension fitted, however they said for the same amount they can fit non vauxhall suspension thats actully better and improves the handleing. The garage have just advised me ring to check this is ok'
IMO pplaying dumb can work wonders.
I did this with the SS zorst i mentioned above and a day later i had my docs re-issued with the all important 'non standard zorst system' clearly stated on my policy docs.
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Dom H
Member
Registered: 14th Jun 06
User status: Offline
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I'm with..... I've actually forgotten. 
But they allow all mods, except engine ones. Would be don for you.
[Edited on 09-10-2007 by Dom H]
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Baskey
Its also the way you ask as well, phonning your insurer and saying ' yea wanna get me corsa slammed on the ground init' is going to make an insurer shit his self and tell you to F off.
However phoning up and saying ' i need to get some new suspension for my car, the garage have given me a quote for the normal vauxhall suspension fitted, however they said for the same amount they can fit non vauxhall suspension thats actully better and improves the handleing. The garage have just advised me ring to check this is ok'
IMO pplaying dumb can work wonders.
I did this with the SS zorst i mentioned above and a day later i had my docs re-issued with the all important 'non standard zorst system' clearly stated on my policy docs.
I guess I could have said it like that. I did only say that I wanted to lower the suspension -40mm. I might take that stance when this saved policy is erased from the system
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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quote:
Originally posted by Baskey
However phoning up and saying ' i need to get some new suspension for my car, the garage have given me a quote for the normal vauxhall suspension fitted, however they said for the same amount they can fit non vauxhall suspension thats actully better and improves the handleing. The garage have just advised me ring to check this is ok'
IMO pplaying dumb can work wonders.
To them that means "yeahhhhhh im gonna go out and chuck it round corners"
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ainsley_brader
Member
Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
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SO whats the joke?
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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i.e. They don't want to insure you. Thats all that is.
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Haimsey
Premium Member
Registered: 8th May 05
Location: Nottingham Drives: Corsa B
User status: Offline
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Id say the company was more of a joke tbh
Marcy Marc
White Sport Progress Thread
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Huwsi
Member
Registered: 27th Apr 07
Location: Bangor, Gwynedd
User status: Offline
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I got a quote off a company bmd it made me laugh ;
18, 1NCB on a 1.4 sport with tints/safety film............?8500 
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Couldnt you just do it anyway?
And dont crash!
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BaNNi
Member
Registered: 2nd Apr 05
Location: Newton Aycliffe
User status: Offline
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www.e-carinsurance.co.uk
^^ All the way!
They dont ask what mods, they just ask if it's modified (Yes/No) simple 
Seem to be the cheapest for me!
Even on the Pug 306 2.0 XSi
and I'm 19 with 0NCB
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Olsrey
Member
Registered: 13th Jan 07
Location: Bradford Drives: LET Vectra B
User status: Offline
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quote:
Originally posted by BaNNi
www.e-carinsurance.co.uk
^^ All the way!
They dont ask what mods, they just ask if it's modified (Yes/No) simple
Seem to be the cheapest for me!
Even on the Pug 306 2.0 XSi
and I'm 19 with 0NCB
site doesn't work anyway.
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S1MON111
Member
Registered: 7th Oct 07
Location: Ivybridge, Devon
User status: Offline
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its shocking isn't it..
I just got a quote with that e car insurance..
£2628.15 for a 1.4 sport.. i'm 17.. and listed 2 mods.. alloys up to £500 and lowerd greater than 20mm.
£2095.80 with no mods.
and that isn't with my 3 points!!!
hmmmm insurance is shocking - i'm not even on the road.. well am on a scooter.. currently paying £121 a year for that.
:O shocking really.. think im going to wait until April to get a car.. as i will have 2 years no claims on my scooter and can use them with my scooter insurance company
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by ainsley_brader
SO whats the joke?
Effectively £1.3k extra on my existing premium to simply lower -40mm.
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