hmfctal
Member
Registered: 1st Sep 08
Location: Falkirk
User status: Offline
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Hey. I've had a quote of £734 for my 1.2 Corsa LS 16V. Aged 18 1ncb (been driving since June but had a policy as a provisional  ) Anyway, It says they are unwilling to insure cars modified if you are under 25 years old. The only modification I have is alloy wheels. Do you think they would refuse? Anyone under 18 with alloy wheels insured with Direct Line? I'm going to phone up next month nearer my renewal date. Just wanted to know if anyone had similar policies with them.
Much better than £1600 i paid last year
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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Ask them?
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Or dont tell them. Alot of insurers say that they are ok aslong as they are within 2" of the manufacturers guidlines
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hmfctal
Member
Registered: 1st Sep 08
Location: Falkirk
User status: Offline
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I will be asking them. Well car has 13 inch wheels, and i've put 15 inch alloys on. I doubt that will cut it with Direct Line tho
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Just say you have put Vuaxhall Alloy Wheels on that were available at the time of the car beign sold/
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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If your not doing other mods risk it and don't bin the 13's 
Corsa 2.0 16v Vegas - Sold
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Im insured with them just now, there policy is strictly 25+ for mods.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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I had a bit of a nightmare with them actually, I got a quote online, then phoned up, said the car had wheels & suspension, girl said thats ok, the price stands. Said ok i'll take it. Then when the docs came through the mods wernt listed. Phoned up & conested it & the manager I eventually spoke to said no way would they have said none extra. Took about a week to sort out & I think they had to listen to the phone call to confirm what had been said.
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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 pow
Just say you have put Vuaxhall Alloy Wheels on that were available at the time of the car beign sold/
This doesn't work. My insurance would have been cheaper this year. But I was truthful and told them about the alloys. I specifically said that they would have been an option from the showroom, when the car was new. But I had acquired them myself and put them on. She said that qualified as a modification that I had made. I even said they are exactly the same size as standard wheels, just made of alloy and she still wouldn't have it.
I wasn't going to run the risk of not being insured for the sake of £35.
[Edited on 22-01-2009 by deano87]
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hmfctal
Member
Registered: 1st Sep 08
Location: Falkirk
User status: Offline
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I still have the 13s as when I sell the car i will be selling it standard. So looks like my chances are very small to have the alloys insured. Wheels don't exactly do anything to the performance of the car. All these insurance laws and pretty rubbish. Ok. If this fails, do you know a good company like Direct line that will insure me for a similar price?
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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If you just have alloys and don't plan on modding anything else, and are a student, try Endsleigh.
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FAZ
Premium Member
Registered: 24th Nov 07
Location: Coventry
User status: Offline
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i was refused insurance with direct line with alloys on,nearly didnt pay out when i had a prang, only did because they hadnt told us about it
apparently they encourage dangerous driving (bo racin') and make the vehicle more appealing to crimminals, even with locking wheel nuts
faz xx
[Edited on 22-01-2009 by FAZ]
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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 FAZ
i was refused insurance with direct line with alloys on,nearly didnt pay out when i had a prang, only did because they hadnt told us about it
apparently they encourage dangerous driving (bo racin') and make the vehicle more appealing to crimminals, even with locking wheel nuts
faz xx
[Edited on 22-01-2009 by FAZ]
This is pretty much what I got told. However, if the alloys were on the car when it was new and I could prove that, then they would have insured it 
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FAZ
Premium Member
Registered: 24th Nov 07
Location: Coventry
User status: Offline
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ya, but i pay £300, as anamed driver yea, earbning my own ncb, and with national breakdown coverage and a like-for-like courtesy car
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hmfctal
Member
Registered: 1st Sep 08
Location: Falkirk
User status: Offline
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Endsleigh were £200 dearer, and that was only TPFT, where as the quote above is Full comp with Direct Line. Looks like I may remove the Alloys
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FAZ
Premium Member
Registered: 24th Nov 07
Location: Coventry
User status: Offline
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i was in the same situation, wish i hadnt wasted my mney on them, could of saved it / bought smethng else
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hmfctal
Member
Registered: 1st Sep 08
Location: Falkirk
User status: Offline
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I didn't buy mine. They were a gift from my Brother. Hes learning to drive soon, and claims they are still his so He could use then when he gets a car. Plus he earns triple I do a month as he has an apprenticeship, and I only work part time 8 hours a week 
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