Cheers, another one for the annual ring-round list

I'm 17 and possibly young and naïve, now before I work my arse off to save up for a remap of my Monte Carlo TSI 86, is there a slightest possibility I can get insured anywhere for a reasonable price? Let alone even get insured?

Deleted - misread. Too little coffee.

I'm 17 and possibly young and naïve, now before I work my arse off to save up for a remap of my Monte Carlo TSI 86, is there a slightest possibility I can get insured anywhere for a reasonable price? Let alone even get insured?

Assuming from the above that you own a Monte Carlo TSI 86, how is it currently insured?

Phone up the insurance companys listed on here and tell them your a member you should get discount for it and then play them off against each other for the cheapest quote.

Brain REmap please.for us geriactric members.

What if you bought the car and you were unaware of the the remap and you would off course insure it as standard, just a thought.

I am 100% sure this does happen.

When looking for my car I found one for sale which the dealer was presenting as standard. It was only the shark sticker on the boot that make me start to look into it. Anyone who was not a car enthusiast would have presumed it was just another one of the dealer stickers that people put on the car and think nothing of it.

Insurers are idiots / greedy ******s.

I have another car, insured with LV. Having bought the car new I knew its full history, and being a good boy, in the interests of 'absolute disclosure', I advised them of every single non-standard feature - mostly things like mud flaps, luxury carpets, pneumatic bonnet lifters and trivial cosmetic bling like chrome door-handle trim etc.

They were not bothered in the slightest about an electonic mod to the roof, allowing me to raise/lower it with a single button-press while moving; or about structural things like a massive fabricated aluminium engine-bay brace, often favoured by track-day enthsasts.

But ... the car had been fitted with ... aagh! ... shock, horror - foglights!!

"An extra £18,please"

"What? What, precisely, is it about the presence of foglights which has suddenly made my car a greater risk on the road, or more irresistable to thieves, or more complicated and expensive to repair?"

"Aah, but it is a modification."

"Excuse me, but these are exactly the same Manufacturer's foglights as some versions come with as a standard fitment, and exactly the same foglights which the dealer could well have fitted as an optional extra to my car before I took delivery."

"Ah, but they were fitted afterwards, so it is a modification."

I did not think to ask how, following any possible accident or other claim, a loss adjuster would be able to detect whether the offending foglights had been fitted before or after I had initially taken delivery of the car when new.

I suppose, translated into truthful language, the dialogue really should have been along the lines of

"How do you justify charging me extra for having foglights on my car?"

"We cannot justify it."

"So why are you charging me an extra £18?"

"Because we can. Up yours, valued customer."

Yet there was no increase of premium with LV for my Octavia II when I had a full leather retrim by Seat Surgeons.

I suspect the Magic 8 Ball of pricing is at work here. Either that or the computers used by the call centre drones have just one big lever on the side which they pull to get the quote.

"... the computers used by the call centre drones have just one big lever on the side which they pull to get the quote."

Well it certainly seems to go "Ker- Ching!!" very loudly.

I think they will charge you more if you tell them you have no sleeves on your checked shirts and sport a mullett.