I'm looking at getting my RS chipped, but my current insurer, Norwich Union aren't interested in insuring me. I've tried a few others but no luck so far!

Any of you guys got any recommendations/experiences of insurance companies willing to deal with chipped cars?

Thanks,

Ian.

Only experince for me so far is Direct Line, they had no problems with it, other than the operator trying to phatom out what a new engine management unit; giving me 50 more bhp was...at first I was told it was okay no increase :shock:, when I re-asked a few times finally saying it's a new chip, it's chipped and your not putting up my premium...the penny dropped.

They charge a percentage based on power increase. Huck is insured with them and I guess could give you a better idea on the vRS figures.

I have the 4x4 and thats 150 stock and chipped 207/222 ish, the new total for me is actually the same as a stock vRS premium was.

Others of course have other experinces...I'll be looking again soon (July) as I don;t think diret line are that good for mods considering my excess is quite high, we'll see moving goal posts and all that.

Try Adrian Flux - they insured my 23 year old with his Peugeot 205 1.9GTi and my 20 year old with a Nissan 200SX.

Thanks chaps :!: I'll try these 2moro.

BTW Colin: Did a search on confused.com and Direct Line came out cheapest for unmodded RS for me, and >

Tesco were good for me.

Interesting post as i shall be getting my 4x4 chipped in the new year.

at the moment i,m insured with ITS4ME & they seem pretty reasonable, we,ll have to see what there like insuring chipped cars.

btw , do insurance companies need to know of all modifications or those only to do with performance parts...........

beast regds

ect

I am also interested to hear what view insurers take of changing the exhaust. I presume if you replace the exhaust with a non-Skoda type you are obliged to tell them. Are they really fussed if you have a Kwik Fit or Jo Blogs system fitted to your average family car, so why would they want to know if its a Milltek - reason for change is because its stainless and has a lifetime warranty? Is there an issue if you change the CAT as opposed to the rear system as it might change the performance?

Is the issue "likely to affect performance"?

Interesting post as i shall be getting my 4x4 chipped in the new year.

at the moment i,m insured with ITS4ME & they seem pretty reasonable, we,ll have to see what there like insuring chipped cars.

btw , do insurance companies need to know of all modifications or those only to do with performance parts...........

beast regds

ect [/quote:b79bd36173]

Direct Chioce came up with a quote from Hiway which is

I have just had a look at 2 car policies in the family to see what they say about modifications:

Norwich Union Direct - nothing specific about mods [b:98b12d1093]BUT[/b:98b12d1093] a covering letter with 'IMPORTANT INFORMATION' states that 'It is important that you tell us about all material facts concerning your policy. Failure to do so could invalidate the policy. A material fact is one which is likely to influence an insurer in the assessment and acceptance of the application, eg a young or inexperienced driver or any offence ........ or prosecutions pending or ........... If you are in any doubt as to whether a fact is material then it should be disclosed to Norwich Union.'

Highway Motor Policies at Lloyd's and Highway Insurance Co Ltd - Policy Document - 'Important notice. You must tell us as soon as possible about changes which affect your insurance. Here are some examples of changes you should tell us about.

.........

* All mechanical or cosmetic changes you make to the car.

........

If you are not sure whether you need to tell us about certain facts you should contact us or your insurance adviser.'

We have a Felicia and an Octavia are insured with NU Direct. Highway (through Adrian Flux) will insure youngsters with modified/performance cars. Because my son's 205 1.9GTI was modified, he had to answer supplementary questions including:

Is the engine the original one?

Is it chipped - if so details, including torque.

Fuel system - make and type - choke/orifice size.

Performance air filter fitted?

Cylinder head machined/gas flowed or polished - details?

Compression ratio - if not standard.

Super/turbo charger or NOx injection fitted?

Suspension lowered or lifted?

Springs altered or modified?

Shock absorbers altered/modified?

Anti-roll bar/strut brace fitted?

Wheel spacers fitted?

Wheels - make/type/size?

Tyres - make/type/size?

Brakes - have alternative brakes been fitted? If yes, make/size front/rear.

Bodywork - give details of all body styling modifications or conversions.

Interior - give details of all interior styling modifications or conversions.

I wouldn't tell my insurer if I fitted better/expensive tyres, cruise control, parking sensors, roof bars, a sump guard, hydraulic bonnet stays, a tow bar or a strut brace - but I would declare a chip, uprated brakes, non-standard (ie performance) exhaust, different alloys, or anti-roll bars (if part of a performance/handling upgrade) etc.

Now I know why my car is still bog standard!

I wouldn't tell my insurer if I fitted better/expensive tyres[/quote:0c1baa1912]

I declared my change to 225/45. Yes, they did want to know as it is a change from "standard". If in [b:0c1baa1912]ANY[/b:0c1baa1912] doubt, tell them. Which would you rather: a few extra quid (mine came to

Sorry. :oops: When I talked of better/more expensive tyres, I wasn't considering deviating from the recommended tyre size for the wheel fitted.

sound advice taviaRS , being honest & paying more for insurance has got to be right. after paying