Guys

Any reconendations on who to get quotes for ins from ???

Ive just been quoted a renewal of £945 with everything declared but ........ Wtf im 32 this year:(

Seems redonkculous

Try Direct Line, watch them on annual renewals tho' if you go with them.

I paid the same as last year only after saying I was thinking of going somewhere else.

I remember 32 "sigh"

give the guys at Sky a ring http://www.skyinsurance.co.uk/car-club-insurance.html, as they are a site sponsor tell them your Briskoda username for an extra discount and they will get you a good deal. Beware comparison sites when looking for modified insurance SEE THREAD Alex was really helpful and saved my a good few hundred on my quote

HTH

Will do bud, ive never done price comp, always been with hic but its going up and up....

And its got SILLY !!!!

£950 at 32 id expect more than a modified skoda in the garage

**** mate.

I got better quote than that and im 28. And have points and a bump on my name thanks to a woman driver.

I went wi sky this time as adrien flux were expensive

i'm 36 with 8 yrs ncd and i just got mine with sky,£720 comp,protected ncd,on a 05 car with 1.9t,6spd,clutch,diff,ihi vf22 hybrid,360-370 bhp,loads of other suspension and brake mods.i'll go with them again as long as they dont start taking the pi55 like fluks.

Im with flux, 656 fully comp with 7 years no claims and 3 points and am 30 this year

Thats with suspension mods and all stage 2 bits fitted but only mapped to stage 1 at moment

I'm with HIC,Age 44, 9Yrs NCB, mapped, suspension, plus other usual bits £487. Been with them for 2 years now, expecting a hike next time round.

I'm with Flux and just renewed this month, I'm 28 with 3 points. I have full n.c.b. The car is kept in the garage. £850 all mods declared.

I Snapped there hands off

Been quoted stupid amounts in the past,best part of £3000 off some insurers!!!!!!

Sky won't touch me lol

I'm with Brentachre and they are always on the ball and have been the cheapest on all my quotes

Try greenlight in the insurance section.

It was nice to talk to a guy who knew cars.

Mine was always daft , as soon as i mentioned the building trade im sure i heard their hands rubbing together :(

I have points too "tut"

Sky is calling me back today

Hic woulda been £829 but they wana lighten me £116 to do payments

Doh

Edited 21 June, 201214 yr by Lloyd55vrs

Brentacre here aswell

sky wasn't competitive as i live in Manchester and that's a no no for them

Adrian flux...

I'm 23, 3 years NCB's and i pay £700 a year FC.

Mods are:

Stage 1 remap

De-cat / stainless cat back system

Uprated THS engine mounts

pipercross panel filter.

Hope this helps.

give the guys at Sky a ring http://www.skyinsura...-insurance.html, as they are a site sponsor tell them your Briskoda username for an extra discount and they will get you a good deal. Beware comparison sites when looking for modified insurance SEE THREAD Alex was really helpful and saved my a good few hundred on my quote

HTH

Thanks for the recommendation.

http://www.skyinsurance.co.uk/car-club-insurance.html

Here is some information that you may find interesting;

I am not telling anyone not to disclose mods or do anything illegal, but the law is such that in the event of Non-Disclosure there are 2 scenerios that an insurance company has to apply;-

1). If the insurance company does insure people under that risk (in this case the undisclosed mods), they cannot refute a claim under the policy, but they are entitled to charge the difference in premium between what they collected and what the premium should have been with the mods disclosed, before paying out any claim. (eg... you insure as a standard Octavia VRS with someone like Adrian Flux but don't disclose a remap.... you have an accident and somehow, Adrian Flux discover you were remapped.... as long as they already provide cover for that risk (in this case remaps), they cannot refute the claim but will pursue the additional premium you should have paid, and won't pay your claim until you have paid that. (They are also entiteld to, and likely to, refuse you a renewal next year).

2). If the insurance company does not cover the risk area that was non-disclosed, they are entitled not to pay a claim on your vehicle but if doing so, must refund your entire year's premium. So let's say you got insured for a standard VRS with Aviva and you have an accident and make a claim, and somehow they discover you had a remap. If they do not cover remaps as a risk, they are entitled to not pay out your claim, but they do have to refund your entire annual policy paid to date, if doing so.

3). It's worth pointing out that non-disclosure of information related to the vehicle is not a criminal offence. But it can form the basis of a 'breach of contract' civil litigation. (rarely happens on vehicle-based non-disclosures because the above 2 provisions are available).

The above info was the case during the 12 years that I worked for one of the UK's largest general insurers. Things may have changed. This is purely information. I am not suggesting or recommending that anyone mislead or fail to disclose, to an insurance company.

Edited 21 June, 201214 yr by Longyear

interesting info. I know a guy at work whose GF rolled his lowered A4. Insurance hasnt paid out because he never declared the lowering. He "Didnt know the suspension change counted as a performance upgarde, and it was on the car when he bought it". bit thick of him to not check it out in first place i know...

Might mention this about paying the increased premium before they'll pay. I have no idea if theyd told him this, or are just flat out refusing to pay.

interesting info. I know a guy at work whose GF rolled his lowered A4. Insurance hasnt paid out because he never declared the lowering. He "Didnt know the suspension change counted as a performance upgarde, and it was on the car when he bought it". bit thick of him to not check it out in first place i know...

Might mention this about paying the increased premium before they'll pay. I have no idea if theyd told him this, or are just flat out refusing to pay.

The likelihood is that the insurance company in question wouldn't cover mods anyway (most mainstream low risk companies won't), in which case they are entitled not to pay out on the claim ..... because the non-disclosure involved the car being outside of the insurance company's risks that they insure on. But if that's the case, he's entitled to get his original premium back (or whatever he has paid so far if paying monthly).......

If it is an insurer that would normally quote for modified cars, he should raise a formal complaint quoting that he's aware of ABI, TCF, and other legislation, and that he will pay the difference in premium, if they agree to meet the claim. Failing that, it's the insurance ombudsman.

Just to add a bit of info to Longyears point 2 above which is quite correct, there is an extra piece of info that should be bourne in mind. If you have an accident which only causes loss or damage to yourself, and fail to disclose, then they will decline the claim on policy conditions.

However, if you are involved in a fault accident of your own which causes damage to third parties or personal injury, then not only will the insurer decline the claim for your own damage but may pursue you for the costs of the t/p damage that the insurer legally cannot avoid.

I agree with Longyears comments in essence, but as an independant consulting assessor for over 14 years, I have been called to court 5 times to give evidence for 3 different insurers who elected to prosecute - rare I grant you - but do you want to take the risk?. You cannot be inside a claims managers head when he interprets an accident report from an assessor, I'll be honest, they all seem to do it differently - sometimes against better advice.

Dont mean to bring a downer on this thread, I just think decisions should be made with as much info as possible. Hope it helps.

It's a very good point, and post, Phil..... and underpins the genuine point I made that my post was not intended to recommend non-disclosure.

But in this crazy world, information in key.

When I was working as an Ops Manager (Contact Centre Based) in a Motor Insurance Sales & Service environment, I would often liaise and work with Claims Ops Managers and sometimes question the lack of consistancy ...... "depends whether I got my oats the night before!" one of the Claims Managers would joke. But I did primarily see the above 'rules' followed in 90% of cases of non-disclosure (charging the additional premium, as long as the non-disclosed risks were part of the current book of business)......... but in the other 10% of cases they would sometimes 'make examples' or consider legal threats where a non-disclosure was pretty hard to justify.

Eg... in one case, a guy with a Ford Puma that was on policy as being a 88bhp 1.4 but that actually had a 1.7 VCT with a custom Turbo, putting out over 210bhp ..... and there was evidence that the guy had done the transplant himself....).

In that case, the company I worked for refused to pay out on a total loss (write off) claim ..... but as the kid had paid £750 for his policy, up front, he got that back, which was probably more than market value for his car!

In some cases similar to above, the company I worked for would refuse the claim and also not process the premium refund, citing "breach of contract" in a normal letter ....... sometimes it worked and the non-disclosing customer "went away" other times they'd threaten the Ombudsman, and considering there is a £500 'registration fee' to the insurer for any complaint accepted by the Ombudsman, the customer would normally get there way ....... because if it went up to the Ombudsman, they'd instruct "nullment of the original contract, due to non-disclosure" which in English means; insurer has the right to cancel the contract and not pay the claim, but in doing so must return any paid premium.

The company I also worked for would also be very unforgiving of any non-disclosures of anyone driving around with NOS installed!

Edited 22 June, 201214 yr by Longyear

I am with and can recommend Brentacre.

Not declaring mods is plain daft and will only end in tears.

Edited 22 June, 201214 yr by wayned

I always declare my stuff, never wanted to take the risk :( it just sucks honesty costs so much

I always declare my stuff, never wanted to take the risk :( it just sucks honesty costs so much

x1 i tell em everything thing down to the stickers on my windows! anyone who dont is just plain retarded and imo is as bad as anyone without any insurance. its pretty much the same thing except you can drive through ANPRs without getting tugged!

Try greenlight in the insurance section.

It was nice to talk to a guy who knew cars.

Thank you for your kind recommendation.

LLoyd55vrs We specialise in modified cars and can normally offer some very competetive premiums so if you would like a quote please do not hesitate to call us on 01277 376000 or complete a quote form at www.greenlightinsurance.co.uk

Best Regards

Neil

Greenlight

I just renewed with Elephant declared my stage 1, I'm 35 cost me £440 as standard they don't cover you for mod replacements if you crash tho. £14 extra for the year sorted that!