Hi all, Insurance renewal due in next couple of weeks, I'm 23, 1 years no claims, got the mum as 2ndry driver to reduce rates as my dad whos got more experience no claims puts it up by nearly £1,000...

I'm getting results of fully comp at £800 to £850! WAHT!?!?!?

I was paying that last year for a SAXO VTR 1.6. 

Any tips to make it cheaper? Any recommendation? Do I legally need to declare the changing of colour on the car roof and grill?

Edited 23 October, 201312 yr by Badas

I renewed with sky insurance today. Sky, adrian flux and brent care all gave my best prices but sky was best. Always worth a ring about.

Try one of those comparison sites and then try the cheapest direct - that way you cut out their finding fee.  If you've any sort of driving qualification, you could try IAM Surety - https://www.adelaideinsurance.com/iam-surety/

Thanks for that guys, Joe if you don't mind me asking, how much are you paying? And can someone answer the bit I made bold and underlined  

I think technically you do as it is a modification but personally I wouldn't bother.

Think you need to legally tell them everything that isnt factory, brentacre do not charge for modifications though. I got it for 500 straight, im 24 with 3 years no claims. Thats 8000 miles even though i have only done 3500 this year.

You would be advised to tell them about the paint job, simply because if they can get out of a claim they will

 

Certain colours are less obvious at night, thus we insured you for a Red car, but the two white stripes and yellow bonnet could not be seen Kerching

 

National

Paid £620 fully comp on Monday... That's with mods and a crash. I'm 23 and have 2 years ncb

I'll depress you all 33 more no claims than you could shake a poo covered stick at and this years renewal came through at £190 with £60 excess. The joys of being old

Beat you £144 this year, fully comp, 9 yrs NCB and really old.................

 Do I legally need to declare the changing of colour on the car roof and grill?

 

Yes, absolutely. 

 

Feel free to get in touch, we specialise in modified car insurance. 

 

I think technically you do as it is a modification but personally I wouldn't bother.

 

It wouldn't cost any extra with a modification friendly insurer and you'd have the peace of mind of valid insurance cover.   That peace of mind is worth it weight in gold when you have a claim.