hales

My insurance is up for renewal now. Currently with Elephant who are now plus £ 1400.00 for re-new

My 04 STI Type UK

Modifications

Tek 3
Performance Exhaust
Prodrive Factory Fitted Wheels

A-Plan will not cover mods ( FACT )
Tesco ( No thank you )
Liverpool ( No thank you )
Norwich Union ( No thank you )
Direct Line ( No thank you )
Privelage ( No thank you )

Oh and i am 35 years old with 7 years no-claims, clean D/L


So guys its getting more difficult by the day to insure them let alone how much....

anybody know anybody else who will quote

Scoobychick

iTrader: (1)

Have you tried Subaru Insured?

hales

yep and now bell direct and Alan & Alan she laughed when i told her a 10% chip....

tuscan57

A-PLAN have just taken my spec -c

0845 071 1234

but just re-read ya post about the mods...... seemed ok when i mentioned a few little mods that were planeed for mine.......

tuscan57

Tescos 0845 300 4400
Quinn Direct 0800 587 8000
Privilege 0845 246 0311
A-Plan Insurance 0845 071 1234
MCE 0871 222 7920
Osborne & Sons 0845 330 6001
Mike Harrington @ Bellevue Insurance 0208 366 7447
Tom @ Schofields insurance (Subaru Insured) 0113 250 0377

few more to try......
Tett Hamilton & Co. Ltd 01275 856618

hales

thanks m8 will do....

FB Tuning

iTrader: (30)

Try Adrian Flux - 08700 777888

I have a Nova with a 2Ltr 16v engine insured by them.

Most of the other companies that i tried to get a quote from laughed down the phone at me...Not sure if that was because of the engine, or the car !

hales

A-Plan OK now ? great guy all the mods and saved a few quid as well....

Dont know why they said NO the first time but GREAT NEWS.....

and they will take more mods as well

thanks for the advice

CyprusScooby

Try ADMIRAL as I just got quoted £830 fully comp. (I'm 25 with 5 years no claims) on my STi Type-R V5 and it doesnt even have an alarm on it yet!

hales

A-Plan 01635 874646 Speak to Rob ( and they know what you are talking about )

Great Price beat everybody else by at least £ 300.00

Top man

Iain Young

Assuming they ever bother getting back to you with a quote.

scoobyboy2005

hi mate


try insurance4u there a broker , but really know there stuff
01902 829190

ricardo

Quick question to hales...

When you listed the ones you tried as 'no thanks' do you mean you called them for a quote and they wouldn't, or you went by what it says on the Web pages ?

The only reason I mention it is that the Web pages frequently say stuff like no imports, no mods, no nothing... but if you call them you often get a quote. I'm surprised that Privilege weren't able to do it, they are insuring my import Forester STi with remap and exhaust.

Edited to say: when they see the Forester vs. Impreza STi PPP feature coming soon in Evo they might go off that idea....

Big Guy

I know how sad this sounds, but I need to ask:

Do insurance companies base their quotes on the specific mods you make, or do they just hear the word 'modified' and ramp the cost up no matter what you've had done?

My car's standard and I don't want to do anything radical (can't afford it more like - I'd go for 300bhp if only I had the cash), but I'd like to upgrade the dump valve. I don't want to double my premium for the sake of a bit less lag though.

Also, I know I must sound like a real tight wad, but will the dump valve have a bad effect on MPG? I commute a fair distance every day and I've got a heavy right foot!

Any advice gratefully received........

hales

No thats after calling them. Seems most high st names will not touch mods, maybe not even scoobs after what they say " they have a had a high level of claims this year for scoobs "

JamieMacdonald

I think they hear the word 'modified' and statistically you automatically go into a higher risk category hence they bump the premium up - usually in a totally random manner.

re: the VTA dump valve, there's a whole can of worms there - most will say they have absolutely no performance benifit at all (on standard-ish cars, they are purely aesthetic/aural - if anything they hamper performance as the confuse the ECU - sensor detects loss of air (to atmos rather than re-circ'ing) and adds extra fuel to mixture, so in answer to your other question yes it will increase fuel consumption, might disrupt your idle as well. If you want to improve performance the best vfm would be a mechanical boost controller (£30 2nd hand?) accompanied by some appropriate guages (boost/AFR). Which I'll be selling soon.

J

bluenose172

iTrader: (2)

Just got a quote from Admiral - P1, 25 year old, 2 years no claims, no accidents points etc, garaged....the best part - 10% chip, uprated brakes and exhaust from the manifold back.......£842.05.

JamieMacdonald

Just got a quote from Admiral myself - MY97, 25 year old, 8 years no claims, no accidents points etc, driveway.... quote with no mods declared..... £851.55. And that's at my low risk address! (South Coast, semi-rural). Where do I need to move to where I can insure a modified P1 for the same money???

(I'm guessing Birmingham?)

bluenose172

iTrader: (2)

Fife, ran the quote through twice to confirm. I'd expect it to be double for Birmingham.

(btw, there is only one set of football fans that can rightfully call themselves bluenoses!)

JamieMacdonald

Ah of course - bit of a Rangers fan myself but spent too long down south so immediately thought of the Brum! Like you say, I don't think you'd get it for that price in Birmingham.

Big Guy

[QUOTE=JamieMacdonald]I think they hear the word 'modified' and statistically you automatically go into a higher risk category hence they bump the premium up - usually in a totally random manner.

re: the VTA dump valve, there's a whole can of worms there - most will say they have absolutely no performance benifit at all (on standard-ish cars, they are purely aesthetic/aural - if anything they hamper performance as the confuse the ECU - sensor detects loss of air (to atmos rather than re-circ'ing) and adds extra fuel to mixture, so in answer to your other question yes it will increase fuel consumption, might disrupt your idle as well. If you want to improve performance the best vfm would be a mechanical boost controller (£30 2nd hand?) accompanied by some appropriate guages (boost/AFR). Which I'll be selling soon.

J[

Thanks for the advice, Jamie. I have to say that I'm gutted though - I know it's shallow of me, but I was looking forward to the aural improvement.

bluenose172

iTrader: (2)

Just got an email from Admiral saying they'd give me 40% off if I installed a black box in my car, monitoring whether or not I speed and drive at night, it brought the premium down to £500 on the nose. Not a chance in hell I'll be getting it mind you!!

bits'n'pieces

Tesco with a declared decat and tek 3 = £1475.94 with a £250 excess on a 02 STI for a 28 yr old with 3 points and 3yrs ncd (although I work for them and get 15% off )