Insurance

[Jimbo]

I have a small problem lol. I've got a furio and am only 17, on perants insurance for now and it states only 3 mods

well i have:

Wheels (declared)
Induction kit (declared)
Buckets + Vtr rears (not)
and then small things like badges and gear knob pedals etc

But i have a Spax lowering kit to go on which i will declare but thats my 3 mods up and i have a dimma show cage in the post and a back box or full system to come very soon, shall i just not declare all my interior mods and the exhaust... or what?

Suggestions please smileys/smiley4.gif

[blackvts]

Tell them that u removed the filter coz that aint really a big mod that shuld give u 1 mod back. Wuld tel them bout the suspension tho, my insurance comp said that if i lowered my VTS and neva told them then if i needed a claim it wuld be voided! hope this helps, who u insured wiv anyway?

[James]

3 mods thats shitty lol, I have shit loads on mine and there cool with it (im 17 as well mate), But then again why wouldent they i pay them enough.

[Jimbo]

yeah I've thought about telling them the induction kits gone and the exhaust is on... I still have one left and that will be used up on when its lowered.. what do you lot think abuot not declaring any interior mods..... seems stupid to me! what do you think?

[Jimbo]

What do you pay on insurance cloud!?!

[James]

Over 3 grand lol

[Scott]

take the risk? If you modify teh car in anyway they have the right to declare your insurance null and void. So if you hit the neighbours 30k beemer then your footing the bill.

[Jimbo]

smileys/smiley3.gif my next-door naighbour hasa new 5 series and im guessing that was around 30k WEIRD

but yeah drive for a year then when it goes down maybe declare more if they let me. and cloud OOOOOOOUCH! is that FPTF or Full Comp?

[James]

FPTF, stuff fully comp man the best offer i got was 5000 + lol,

[Jimbo]

£3000 man, thats a fuckin kick in the teeth isn't it!... hope u got a gd job......... or nice perants lol

[James]

I got 2 jobs and yes they are good lol,

One involves normal full time working week, the other involves sitting on my arse at my home computer ;)

It isent a kick in the teeth what else can i expect for a a modded VTR mk2 at 17 lol

[Jimbo]

BIG respect for paying that so you can have the car you want!

[James]

hehe smileys/happy.gif ty

[addictedtosax]

look mate you'd better declare ALL mods, like scott says if they find one tiny thing different on your car that you didnt tell them about when they come to inspect the car as a result of a claim (fingers crossed this dont happen), even if it was undamaged or had nothing to do with the accident or whatever, then they will not pay out anything. your choice. thing is if your not going to tell them about the other mods, then there no point in telling them 3, ud get a cheaper quote that way, but you'd essentially be uncovered smileys/smiley5.gif

[Jimbo]

yeah, i know exactly what you're saying...... insurance = shit

[hodaz]

i'm just lookin for quotes now, i'm 18 with 1 yr ncb, an i'm struglin. bets quote i've had was elephant which was not far off £1800 with everything declared. my first year i paid £2300 for a 1.2 corsa, so £3k isn't bad for a vtr

[Jimbo]

what you looking to insure, a vtr?

[hodaz]

what you looking to insure, a vtr?
yes

[Jimbo]

oh, thats not too bad, but 2300 fora 1.2 corsa! thre was better deals to be had!

[hodaz]

oh, thats not too bad, but 2300 fora 1.2 corsa! thre was better deals to be had!

wasn't mate, that was cheapest by far, because the car was kitted, allots etc. most insurance companies wouldn't touch me. A know people around where i live who have just past there test paying around £2k to insure standard 1.2 corsa's

[Jimbo]

ah if it was fully kitted n stuff...

[S9_DAN]

Insurance is a bummer but you need it, i pay £2800 and i hate it but it has to be done!

Why are you only aloud 3 mods ? surley you can have as many as you want ? smileys/smiley5.gif

[blackvts]

I wuld tell them bout the seats coz they make a big difference to the image of the interior...especially 2 a twocer! bunch of pirates they will steal anything up here! wuldn't bother tellin them bout steering wheel, 6*9's or out like that

[Jimbo]

Insurance is a bummer but you need it, i pay £2800 and i hate it but it has to be done!

Why are you only aloud 3 mods ? surley you can have as many as you want ? smileys/smiley5.gif

i really don't know, my mum aranged it smileys/smiley9.gif

how old are you and whats your insurance posistion at £2800 loads... but if you're young its not loads because thatsa turbo ibiza right?

[S9_DAN]

I have 2 years ncb, 3 points and i got insured on it when i was 19, yeah it is the turbo so i cant really expect much less and my age as it is group 17! Hope fully it should go down a fair bit next year!

[S9_DAN]

I would of thought that you can have 3 mods and then anythin you tell them about after that will put your premium up? should just ask them the question, say you are thinking about doing some mods and how will it affect your insurance!

[blackvts]

Mines a MK2 VTS at 18 with 0years NCB and on my own policy for £1700 fully comp with all mods declared....they h8 me! smileys/smiley16.gif

[Yates]

who are you insured with blackvts?

are you the guy that has a pulsar as well?

[blackvts]

Nah dont have a pulsar... smileys/smiley5.gif I'm insured with quinn-direct theyre an Irish company that insure UK cars. I struggled like hell 2 find any company based in the UK to insure me for under £4000!!! bunch of robbing b4stards. I was convinced at first they had it wrong coz it seemed 2 good 2 be true but its all sweet! smileys/smiley14.gif

[tstapleton]

I would declare all mods m8, I know some mods don't impact your premium anyways but they need to be declared otherwise your insurance is void. I just renewed mine and declared my lights and grill and it didn't change my premium smileys/smiley17.gif

[Natalie]

If you don't declare your mods then you are not insured so you are just wasting your money in the event of an accident

Why don't you just leave it as it is for a year then do more to it then? it should be cheaper as you have more driving experience and you're older

[Jimbo]

If you don't declare your mods then you are not insured so you are just wasting your money in the event of an accident

Why don't you just leave it as it is for a year then do more to it then? it should be cheaper as you have more driving experience and you're older

i would declare if i could, yuo see im only allowed 3 mods and iv used them up once its lowered, and iv got an exhaust on the way, i think im going to put the air box back to standard, but then I've still got the buckets and vtrs back seats n ICE n stuff.... I really can't handle not having her the way i want her for a year so it looks like i'll just have to shop around a little more smileys/smiley19.gif

I'm def going to give that Quinn direct a call! what mods do you have Blackvts? and whats their number please? smileys/smiley14.gif

[Jimbo]

smileys/bumpit.gif i want to know what quinn-directs website / number is please!?

[S9_DAN]

use google mate,

but he is the link as it is christmassmileys/smiley17.gif


Clicky (https://www.quinn-secure.com/QMP/direct_google.jsp?advertcode=GOOGLE1&gclid=COWMy4GxjYICFSUkQgodp2-sbw)