Quinn Direct

[adam]

right firstly who`s with them? and i`v just been quoted £850 on a 106 rallye s2 (FC) and was wondering do you have to declare mods even though you do`nt have to pay extra for them, cheers

[Yates]

yes you do, always declare mods

[saxosianVTS]

yep, always declare mods, otherwise if you was to have an accident that wasnt your fault your insurance wouldnt pay out! and its against the law!

[adam]

ok right but there`s no space for modifications on there website unlike other sites, and also it says

"No modifications/adaptations to increase top speed, performance or acceleration"

so things like alloys,lights,bucket seats you would be ok but would a backbox and lowering be classed as non-performance

[adam]

yep, always declare mods, otherwise if you was to have an accident that wasnt your fault your insurance wouldnt pay out! and its against the law!

yeah with my current policy with norwich union i`m paying like £300 extra for alloys,exhaust,lowering and inductiuon kit, what a rip-off

[boro_andy]

im with them myself and they ask you if u ring them if its been modified. Just say u were looking on the site and didnt want to not declare the mods u had fella. but iv heard that they dont bump up the premiums for certain mods

[saxosianVTS]

im with them myself and they ask you if u ring them if its been modified. Just say u were looking on the site and didnt want to not declare the mods u had fella. but iv heard that they dont bump up the premiums for certain mods

correct. i think the premium goes up for alloys, exhaust and bodykits the most! just give them a call!

[DazzerVTR]

It's just any mods that increase power, they didn't even want to know cosmetics.

[rickyholder]

im with them mine is £600 and im 18 but i asked them bout mods and they said they wouldnt insure a modified car

[DazzerVTR]

Phone them all the same.

[Yates]

im with them mine is £600 and im 18 but i asked them bout mods and they said they wouldnt insure a modified car

your wheels arent standard ;)

[rickyholder]

neither is the back bumper exhaust or induction kit but they dont know that and actually the wheels are back to standard now

[Yates]

void insurance! :O wouldnt go telling anyone on here

[rickyholder]

i just have ant i whoops !!!!!

[Daniel_VTR]

I was with them on mt VTR and now on my Megane..

Cheap as chips and fairly reliable..

And they only care about performance upgrades! Bonus!

[woodsy]

im with them

you have to tell them about your mods

only engine mods make a differance to your premium

[Mattvtr]

do they replace the mods?

[Geoff]

its only if your doing things with the engine / lowering / turning a car into a van / anything else they let u off most things they really good .

[Rich84]

i was with them on my vtr, they said anything cosmetic wouldn't change the premium just had to tell them they were on

[thoms04]

____________

[DarylVTR]

im with them £900 fully comp on a vtr at 19 years old 1 years NCB.

When i spoke to them they said anything cosmetic they dont need to be informed about, examples he gave me where alloys, bodykits. He said engine and suspension mods do need to be declaired so no you dont have to claim anything cosmetic with quinn-direct.

[DarylVTR]

It's just any mods that increase power, they didn't even want to know cosmetics.

this is correct.

Also quinn has a excess of £135 which is pritty dam good compared with any1 else i tried.

They beat a quote i got on confussed.com by £1000! I was like surely thats wrong but it wasnt :)

[Imfromwales]

was wondering do you have to declare mods even though you do`nt have to pay extra for them

I thought your insurance was more expensive if your car was modified?

[DarylVTR]

depends which insurance company your with. Quinn-direct are very good for mods.

[Imfromwales]

Oh right, i will give them a look. I REALLY want to mod car but i dont want to get fucked if i crash lol.

Are they better than adrian flaux? (sorry about terrible spelling lol)

[Rich84]

i was gonna stay with them on my vts but the wont insure me on it till i'm 25 as it's classed by them as a high performance car!

[Saxo_Coyle]

i was with them on my vtr. and because the car was written off they just gave me the book price. because mods didnt affect the premium i didnt declare them, and ended up losing alot of money. so get them declared!

[LeviSaxo]

Do they charge extra for lowering then? as mines being done at athe weekend and im qith quinn?!?!

[Rich84]

they told me it would and they wanted an engineering report too

[platty]

im going with them when i get my vtr. really cheap and seem a good company aswell.

[boro_andy]

so if im reading this right, you should declare the cosmetic mods anyway however they wont replace them? Or they will replace them but only with standard parts?

[puzzledzippy]

iam with them and i told them i have a catback exhast,induction kit,lowered and the didnt put the premium up at all,iam 26 and learning and i pay £579 full comp

[RuMMy]

iam with them and i told them i have a catback exhast,induction kit,lowered and the didnt put the premium up at all,iam 26 and learning and i pay £579 full comp

Bloody hell, they are an ace insurance provider. I'm deff off with them when i get my car! I cant believe how much cheaper they are

[puzzledzippy]

now this will make you laugh i was paying £1300 on my old insurance

[RuMMy]

:fcuk: