Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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Right, I know loadsa people rant on about insurance, but I'm sure somebody is taking the piss a bit here. Last year, I was insured TPFT with My Mum as named driver with Direct Line - This was £1100. It runs out on the 29th and Im now shopping around for quotes to go alone and Fully Comp. I have obviously "tinkered" slightly with the Corsa over the year - I have added Vauxhall Sport Alloys, Irmscher Boot Spoiler and also, Im declaring 35mm GMAX Springs as these are currently on their way. I went back to Direct Line to get a quote - they won't insure my car as it is modified and Im under 25. I then tried EVERY insurer off of the list on here, quotes varied from about £1800 and the best I got today from Endsleigh Insurance - £2650!!!!! Phoned Quinn Direct today - they can insure me for £1350 with a Years Named Driver NCB I have earned from Direct Line - with all Mods Declared. Now, I'm 18, The Car is barely Modded and I live in the lowest Crime Rated Postcode area (GU) So WTF is up?!  Sorry for the rant but can anybody explain to me why my insurance seems so ridiculously expensive?!
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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cos your young and you have modded car........it would probably be cheaper for you insure a sport ir something that has alloys, spoiler, etc standard
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R Lee
Member
Registered: 15th Aug 03
User status: Offline
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have you called HIC?
with club membership, you should be able to get cheaper than your quoted price 
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jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
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try elephant.co.uk
theyt quoted me £921 fully comp, alloys, exhaust system and 4branch, coilovers, my gf and her 3points. im 19 wit 1yrs ncb
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by Lisa
cos your young and you have modded car........it would probably be cheaper for you insure a sport ir something that has alloys, spoiler, etc standard
But I've used Vauxhall parts?! And the GMAX Suspension isnt even on yet, but I thought it'd be best to be a good boy and declare it all 
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mazdaspeed
Member
Registered: 8th Jan 05
Location: Darlington
User status: Offline
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When I was 18 first insraunce year was £1200 third party. It's just the way it is. Now I'm 20 its £450.
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by jamesnova
try elephant.co.uk
theyt quoted me £921 fully comp, alloys, exhaust system and 4branch, coilovers, my gf and her 3points. im 19 wit 1yrs ncb
Yeh elephant wanted £2500 outta me  I don't know how though as loads of my mates are with them and they get cheap cover!
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
User status: Offline
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quote:
Originally posted by hamman
quote:
Originally posted by Lisa
cos your young and you have modded car........it would probably be cheaper for you insure a sport ir something that has alloys, spoiler, etc standard
But I've used Vauxhall parts?! And the GMAX Suspension isnt even on yet, but I thought it'd be best to be a good boy and declare it all
Its still not standard though is it
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Heather
Member
Registered: 1st Aug 02
Location: Ellesmere Port
User status: Offline
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put it back to standard then if u cant afford the insurance
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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quote:
Originally posted by hamman
quote:
Originally posted by Lisa
cos your young and you have modded car........it would probably be cheaper for you insure a sport ir something that has alloys, spoiler, etc standard
But I've used Vauxhall parts?! And the GMAX Suspension isnt even on yet, but I thought it'd be best to be a good boy and declare it all
but its still then classed as a modded car which will bump your premium up.........have you tried to price it up standard to see how much more expensive it actually is with these mods done
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by Heather
put it back to standard then if u cant afford the insurance
Well I can just about, but I just don't get why they don't think about it - the bits I've used are available on higher spec models - i don't get why they have to put the price up so much. Is £1350 fairly reasonable then really? 
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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see how much it is standard before you decide if expensive or not.......to be fair if 1 years ncd is 10% but premiums have gone up 15% then you would still pay more even with the discount
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jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
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also, is there ne point in declairin alloy wheels if there std on other models. its not like there 1k's worth
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
but its still then classed as a modded car which will bump your premium up.........have you tried to price it up standard to see how much more expensive it actually is with these mods done
Well Direct Line could have redone my insurance this year for £960 Fully Comp (Standard)
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
User status: Offline
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I love a quote of 1350, but its becuase your car has high model parts on it therefore may appear as a higher model to theifs
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
User status: Offline
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quote:
Originally posted by jamesnova
also, is there ne point in declairin alloy wheels if there std on other models. its not like there 1k's worth
Yes there is as your insurance is invaild otherwise
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by jamesnova
also, is there ne point in declairin alloy wheels if there std on other models. its not like there 1k's worth
Well I just don't want to run the risk that if I do have an accident or whatever, the insurance company then turning around and saying because I didnt declare them, my insurance is invalid 
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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i'm 33 and my vec gsi was £280 fully comp standard but cos i had different wheels and exhaust it was £550
i only pay £880 for an evo 7 now though so insurance is just wierd
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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Yeh I gues its because Im young then  No way I could put it back to standard though! Im just gonna have to put up with it I suppose
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
User status: Offline
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quote:
Originally posted by hamman
Yeh I gues its because Im young then No way I could put it back to standard though! Im just gonna have to put up with it I suppose
Bite the bit in a few years when you have full no claims it will be worth it,
[Edited on 24-01-2006 by Jodi_the_g]
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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i can vouch for that
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by Jodi_the_g
quote:
Originally posted by hamman
Yeh I gues its because Im young then No way I could put it back to standard though! Im just gonna have to put up with it I suppose
Bit the bit in a few years when you have full no claims it will be worth it,
Yeh true. Just annoying that I havent actually modified my car that much that it makes such a difference to the price! Glad I shopped around though - took bloody ages! Thank god for Quinn Direct I gues - they're a hell of a lot cheaper than anywhere else!
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Lisa
Member
Registered: 6th Apr 00
Location: Euxton, Lancashire
User status: Offline
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shelias wheels did my vectra, liverpool and victoria are good too
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by Lisa
shelias wheels did my vectra, liverpool and victoria are good too
Im not paying for a sex change to get cheaper insurance! I did try Liverpool Victoria though - they were fine until I mentioned I was lowering it - apparently its a Performance Enhancing Mod and Im too young for them to insure that!
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