Bloody Insurance Renewal Time

[al_VTR]

my brain hurts !!!!

been on the internet/phone trying to get a good deal on my insurance renewal & i'd forgotten how much hard work it can be. lol

Tescos wanted to put my insurance up from a renewal of 660 to 906 because of my mods. Adrian Flux were the best with 725 including all mods, but phoned them and they can get it from Equity Red Square (sister company) for 647.

going to have an hours break, phone a couple more companies then take out a policy. i hate the fact that some insurers won't touch me because of the mods. plus i still have to pay 450 excess with everyone because i'm not 25 yet smileys/smiley7.gif

oh well - the joys of motoring smileys/smiley17.gif

[saxx]

bummer

mines less than that with mods and a nice volvo claim smileys/smiley17.gif sometimes being female is good lol

[al_VTR]

lol, its not to bad really for fully comp. but Adrian Flux quoted me 550 including all mods ages ago but have obviously changed their minds

[tstapleton]

I tried adrian flux, they quoted me £803 with all mods declared but when they sent through the papers with all the details of my quote it valued to £976, so just a warning to read the papers they send you thouroughly smileys/smiley17.gif

[pug_boe]

i was the same al - tesco bumped it up just because of shity mods..adrian flux was a silly price so i just stuck with tesco in the end because i couldnt be botherd to arse around

[hesslevtr]

you tried quinn direct

[tgazvtr]

how old are you al?

[al_VTR]

how old are you al?
23 mate.... BUT i've only been driving just over 2yrs so i only have 2yrs no claims. to be honest the quote from Adrian Flux is pretty good considering i've only got 2yrs & it is a good 1000quid less than i paid when i first got the car

[JaxoSaxo]

i've got my insurance renewal soon and im fukin bricking it! 1 yrs no claims, lowered, alloys and exhaust on a 1.4. i expect ill be payin around 2k smileys/smiley19.gif

[mike_obuk]

always a shit time getting quotes! just keep ringing everyone, and play them off against each other!

[al_VTR]

thats what i was trying to do mate but most of them ain't taking the bait this year.

JaxoSaxo - keep your fingers crossed mate. think my exhaust played a big part as they see it as a "performance" mod even though it only gives about 3bhp max lol

[Dan]

Al try www.bell.co.uk (http://www.bell.co.uk). There very cheap. smileys/smiley4.gif

[Luke]

I am 17 (18 in 2 weeks) and i pay shit loads for my insurance. Dont understand it smileys/sad.gif plus mine aint even modded apart from the alloys.

[pug_boe]

its the area that you live in too that will affect it
my postcode used to be NP1 so it was cheap but then they changed our postcode to CF83 (cardiff) so now i pay lots more

[mike_obuk]

yeah ive been told that my postcode is in the top 5 most expensive to insure!!! and my car is parked on the street at nite! lol.

[AshleyW2005]

Most companies dint wanna no with me. As im only 17 trying to get insured on a vtr. Most said i had to be 21 with 2 years no claims but i got there in the end and i love it lol

[Yates]

al what mods do you have? i know you have wheels and i think lowered :S

i only pay 750 with all mods declared and im 21 with 0 no claims, just started out on my own policy thats with elephant

[flipsaxogirl]

DO NOT GO WITH ADRIAN FLUX! my fella was with them when he had a modified car and when it got stolen they wouldnt pay up what he insured it for! and a similar thing happened to my stepbrother too!

[saxx]

unless its agreed value You only get book price

[flipsaxogirl]

im with elephant and im paying £780 with all mods declared so elephants your best bet

[flipsaxogirl]

was that question for me saxx?

[saxx]

when your bf didnt get back the value of his car - was the policy for an agreed value.

[Yates]

yeah it was flip

insurance companies will only pay out what they think the car is worth....unless you agree how much its worth when you start the policy

[flipsaxogirl]

yes he had an agreed value because he had mods done whilst he was with them and had to phone and write a letter to declare them. and even though he insured it for 9,500 due to mods starting from scratch they would only cough up £500. its disccusting. but he had an agreement with them and they broke it

[saxx]

And what did he do about it?

[flipsaxogirl]

he had a big court battle with them over it because they have a sister company called NIG who said it was adrian flux fault and AF said it was NIGs fault and so on

[flipsaxogirl]

they promised him a like for like quote as long as he had all the receipts for mods

[Yates]

he had an agreement that his car was worth 9500 and they only paid 500?

what car was it and what mods did he have to it?

surely if he had it in writing from the insurance company there is no way at all they could get out of it? if there was a way out of it why bother agreeing a price?

[al_VTR]

hiya guys - went with Adrian Flux in the end. they seemed to actually care about the car/mods and were really good with me.

tried elephant and they quoted me over a grand - no way i'm paying that !!

yate5y - not got it lowered mate, got a s.steel exhaust system. thats where the problem is, they all see it as a performance mod lol

[woodsy]

you tried quinn direct

im with quinn

23
6 years no claims
all mods
vts group 14

£423.97

[Yates]

thats wierd cos my only mod is lowering but still pay only 750 fully comp and i dont have any no claims :S

[woodsy]

thats wierd cos my only mod is lowering but still pay only 750 fully comp and i dont have any no claims :S

was that for me

i have a high risk postcode in manchester
on the road parking
7 years ncb end of this month

[Yates]

suppose mines a low risk postcode and gets parked in garage over night and secure car park during the day

but still with 2 years no claims and 2 years older than me you would think mine wouldnt be about 300 less