Just a question as im sure alot of you have been through this im thinking of modding my car quite heavily so will go from 276bhp to around 450bhp we all have an idea of whats involved and the parts needed so what % could i exspect my insurance to go up by??

 

Do an online quote with mods added , and one as it sits at the min.

 

I will guarantee you the online quote will be nothing as good as a good old fashioned call to the insurers on here.

Many of them say they call them for the best price.

 

Online quotes are no good for a 450bhp car.

To be honest most companies i deal with would refuse to quote for such an increase.
They'd want to see you can handle the car at 350bhp before considering 450bhp

 

my last 2 cars have been 360 bhp and 420 bhp ive owned performance cars since i was 17 even started out with an rs turbo back in 1995

 

Shouldn't be too much of an issue then, but depends who you're insured with.

The mainstream insurers (Admiral/Direct Line/Elephant etc) are unlikely to do it at all. The specialists on here would be flexible.

I'd guess around 25% extra.

 

insured by you m8 for the last 2 years

 

Shouldn't be a problem in that case

 

I have that issue, Im looking to remap my Mercedes B200 Turbo but going from 195bhp to 225bhp is taking me from £515 to £1200. Moley wont insure BD postcodes so Im stuck with 'normal' companies.

At the moment I have to pay a £300 increase just for the factory fit spoiler on the roof (very subtle). I havent even bothered trying doing a quote for the spoiler and remap together.

 

Not much insurers can do about your "scam central" postcode

A few spoil it for the majority, although Bradford seems the opposite

 

Or in the case of Bradford, the majority spoil it for the minority.
I drove into the centre of Bradford last week...good grief they are terrible drivers there.

 

What if you live in a different town near Bradford and your post code is BD? Will Moley still insure me?

 

No, sorry Hamza. Thats the case with me anyway.

 

Yes we can, only on specialist vehicle though (Subaru's, Evo's etc...), and depending which BD postcode it is.

 

Interesting has this changed? I phoned you 18 months ago and as soon as I mentioned BD... Was told that you don't cover them.

Is a Mercedes B200 Turbo a specialist car?

 

Yes, has changed in the last 12 months.

Unfortunately the Merc isn't a specialist car. It's the 2nd use, modified/performance cars we're after, in particular the Jap stuff.

 

What is second use?

Mine have modifications which is why my comparison site searches add £300 to a £500 quote. Im also thinking about remapping it but getting out priced at the moment.

 

Whats the minimum age you have to be to get insured via Keith Michaels?

 

i have been insured with kieth michaels for 4 yaers but they seem to be a little exspensive now i am looking for limited miles insurance or classic insurance for my w reg 2000 classic i have moded it to 300 bhp but nothing mad and i only drive it in the summer months can anyone help as nearly a grand a year on top of my every day car costs is a bit steep please helpif you can i live in norfolk now and my scoob has been off road for a year thanks Ed

 

Have you spoken to me and asked for a limited milegae policy? you won't get a classic policy for a MY00 Impreza by the way)

 

Normally 25+, but if you've owned the car for 2 years we'll sometimes quote for 23+

 

A second car, which isn't your main use vehicle.

(ie a weekend car, that you do 5k miles per year in)

 

I had an interesting conversation with someone today who had a claim on an A3 Audi SE. The insurance co. had said that because it had an S line body kit on it they would not pay out. He argued that he bought it like this and had no idea whether the kit was standard or not. As it transpired that the S line kit was genuine Audi kit fitted by the previous owner he eventually got his money through.

It does seem unfair that with modding declarations there appear to be no options to differentiate between subtle manufacturer body styling packs from the full blown Halfords special tea trays you see on the back of the older Vectras etc. I would imagine that the intentions of fitting both would be completely different but do insurance companies give options that reflect this?

 

Different insurers have different views, some will view manufacturer kits as optional extras and not charge extra, others will load for them, or even refuse to quote full stop.

We even use some companies who will refuse to quote if the car ISN'T modified

There is no definitive answer, other than speak to the individual company.

 

Thanks.

Interesting about the NOT modified statement but I can understand their logic. Out of interest who does that?

 

It's a policy you can only get through us as far as I know

 

Fair enough but appreciate the info regarding mods. I think Ill try a new approach, put in a quote for standard and contact the cheapest ones with my factory fit mods to see if they will except them.

 

Hi there no i havent spoken to you about a limited miles policy but i would like to if you would be kind enough to let me know how then i would be very greatful you can email me direct any details i need on eddie.medium@yahoo.co.uk many thanks Ed

 

hmm... id have owned my car for 2 years on next renewal and ill be 24 by then too. Worth giving you a call? un modded hawk sti.

cheers Dan

 

Yep, definitely worth ringing me