quinn and mods :s

[maynard]

ello everyone,

jus a quick one. am about to take insurance with quinn in a couple of weeks when i turn 18.

i have got a vtr mk1 with air filter and lexus lights (i know wht you're all thinking, they were on their when i bought the car)

are quinn direct okay with these mods when i take my policy out cuz everyone on here seems to be saying you need to get certain forms stamped etc.

can anyone clear this up for me?

cheers, elliot

[DevilDamo]

Why not give them a call and ask the question? Say something like... I'm "thinking" about modifying my car by putting on an air filter and lexus lights, how much extra (if any) would it be on top of my policy?" If they say they wont insure you, then look at taking a policy out with somebody else.

Btw, tell them that the air filter would not increase performance as it's a filter and not an induction kit and the lexus lights are purely cosmetic.

[paul_vtr666]

Purely cosmetic mods should be ok with quinn. As for the air filter they might be a bit funny about that. Ring them several times on different days because quinns tell you something different everytime you phone. Just say its a non standard air filter but doesnt add performance. As long as you dont want them too add value to the car then it wont affect your premium. And they should ask you that.

You shouldnt need anything stamped, maybe just part numbers or description.
P.S. They hate saxos.

[puzzledzippy]

they didnt charge me any extra for my mods including my bmc and piper system

[spectab16]

they aint really mods m8

[Col468]

they aint really mods m8

to an insurance company they are! any modification to a car meens more expeicnve parts so you may want to claim for the price of the mod too....
plus, if u mod ur car its usualy for a reason, performance or style... he was lucky to get away with not paying alot more (depending on the age)

[puzzledzippy]

they didnt charge me any extra for my mods including my bmc and piper system

they aint really mods m8

i forgot to say about all the other stuff like a 60mm drop,tints and smoked lights alround.

they are only supposed to put the premium up for performance mods anyway

[chill87]

i had a policy with them when i first got my vtr and when i needed to get hold of them it was really hard i was trying for 2weeks to get through to them.

[BruceybabyVTR]

ive just taken out a policy, will neglect to mention modifications atm and then "think about mods" in amonth or so, someone on here said u are better getting the policy first of, then introdusing the complications!

Kinda like getting a mistress then telling her ur married

[pricey_vtr]

i have my policy with quinn direct and they will insure you with any cosmetic mod you just add the cost to the value of the car, and performance mods need an engineers report thats it, and my policy hardly went up when i declared my 17's, tints straight thru exhaust, airfilter, lowering etc

[BruceybabyVTR]

this engineers report things is gettn on me tits, is it just a form they send u to be stamped by an mot tester or just a declaration from a mechanic saying all is well?

[b0t13]

has to be approved by some gay engineer thing or a main dealer, but i think they normally accept an MOTer,

i didnt need to for my lowering 40mm

[gibs-rallye]

i just took a new insurance policy out. and they dont mind mods i got what they call a 120bhp policy. so i can do anything to my car as long as it doesnt exceed 120 bhp my policy price doesnt change mint deal. i got there number from the back of a french cars mag. they're a citreon and peugeot specialist

[bbewekim]

i just took a new insurance policy out. and they dont mind mods i got what they call a 120bhp policy. so i can do anything to my car as long as it doesnt exceed 120 bhp my policy price doesnt change mint deal. i got there number from the back of a french cars mag. they're a citreon and peugeot specialist

come on then... tell us the company? do they have a site ;) share your find.

[mrolinc]

i just took a new insurance policy out. and they dont mind mods i got what they call a 120bhp policy. so i can do anything to my car as long as it doesnt exceed 120 bhp my policy price doesnt change mint deal. i got there number from the back of a french cars mag. they're a citreon and peugeot specialist

lol well wud b helpful if ya posted the number no? ;)

[devilsadvocate]

All insurance companies are different. You should declare Everything and i mean everything. A modification is changing something from its original form. Adding lexus lights (Please Dont) is a Modification and so is a different Air filter. The only way to find out the difference in prices is to ring them.

As DevilDamo said, tell em you are 'Thinking' about adding them and see what they say. Although cosmetic mods will not affect performance, insurance companies do not look at it like that.

Say you added bucket seats, different lights, and a different bodykit. These are all cosmetic mods but they make the car look more attractive to theives. Most car thieves are not stupid and know if you have spent loads on cosmetic mods then most likely you have spent loads under the bonnet. Insurance companies know this and anything that makes your car look more attractive to theives will probably increase your premium.

You have to think about this logically. If there is a higher chance your car will be stolen or broken into then that is a higher risk for insurance companies, therefore the only option is to charge you more to cover the extra risk to them.

[gibs-rallye]

the insurance company is called brentacre insurance services number is 01792 650933.

lol well wud b helpful if ya posted the number no?

would of had i been at home when i posted it.

[milesg]

have they got a website, cheers m8

[gibs-rallye]

dont think so mate just a small brokers. give them a ring there really helpful.

[milesg]

alrite i will do, cheers m8