Modded Car insurance

[Shimmydude]

This has prob been asked before but there are soo many posts that go on to talk about other things, i would just like straight answers.

Where is the best place for insurance for a modified car. No engine mods, just exterior.

It would be for a 19yr old.

Thanks guys!!

[SaxoAL]

I find tescos very good.
have heard good and bad things about Norwich Union (depending on status)
Liverpool Victoria, Adrian Flux, elephant, Equity Red Star.

Just a few that spring to mind.

[Dan]

best thing 2 do is 2 ring around!try the back ov max power!

[DevilDamo]

elephant.co.uk offer very competitive quotes. well, the cheapest, but you will pay for what you get.

cheap insurance = cheap service (which applies to the younger drivers) because as you get older, you build up years no claims bonus and insurance premiums remain low.

by the way, declare ALL modifications. it is up to them to tell you whether or not some of the modidications do or do not need covering.

tell lies = no insurace cover.

[mike_obuk]

elephant will screw u over if u try to add mods, they charged me £60 for my tints! but wont do a discount for a cat 1 alarm

[Dan]

yeah ive been getting quotes from tesco and there very good! think i'll switch to them when i need to renew in march!!

[DevilDamo]

elephant screw people over? must be just 'certain' people.

im paying bout £900 fully comp. on my mk2 vtr with all my mods plus 2 claims, 2 convictions, but 2yrs n.c.b.

i think that is good.

[Dan]

thats very good mate!

[reevesy_vtr]

im 23 full no claims on a w reg vtr £550 fully comp with elephant and thay only want £22 for new wheels but if thay get nicked thay will only replace the origanal saxo alloys smileys/smiley5.gif so what the fuck am i paying for...

[DevilDamo]

ermmm, that doesn't make sense. are you sure!?! what's the point in telling them about the new alloys if they are only going to replace your old ones?

[reevesy_vtr]

if i dont and i smash the car up thay will not pay out. i said the same thing but thay will only replace the factory standerd ones smileys/smiley5.gif

[Raysax]

Elephant only replace with standard items. Im wiv em 2 n all mods declard im payin £750. THats 4 years no claims and pass plus. Bt they wnt give me a discount for my cat 1 alarm or snap off steering wheel.

As u say Reevesy y we bein chargd more if we aint gonna gt like for like??? Dus my head in.

[Dan]

yeah adrian flux wont give discount with cat1 alarm either! im defo switching to tesco!!! smileys/smiley17.gif

[scotty_04]

im with tesco and with me new alloys it went up by £105

[Jungle_Jim]

i saved a whole £15 for fitting a clifford cat 1 alarm with Norwich Union, doesnt really make up for the generally crap customer services though smileys/sad.gif

[Dan]

thats strange as ive heard tesco dont increase ur premium with mods! mmmmmmmm???

[Grainger]

norwich union is good the best by a long way that i found, same agen tho the swines took nothin at all off 4 a cat 1 clifford- coz its not approved they said. i hav trouble gettin anywer without settin it off, theres no chance any1 else could nick it!!!