theboy

Anyone know a rough idea on how much your premium will rise by declaring mods? Nothing major just re-map exhaust & intercooler. Been quoted £225 for a standard RS, just wondered what i can expect to pay if i buy the 370bhp version.

LuckyWelshchap

When you say "buy the 370bhp version" do I take it that's also a standard model (ie like WRX's and and STi's are) ?

If so, then do a test quote on a number of Ins websites.

If you mean that you're thinking of buying a modded car as in a 400bhp STi then perhaps ask your current insurer/broker for a quote for a standard car with those mods.

Quotes don't have to be forced on you, and you might find that a lot of companies will keep them down just to have your business.

theboy

No the standard car is 300, but with exhasut remap filter etc is running 370

Kedlestone

iTrader: (9)

Mine dropped, Greenlight Modified Car Insurance.

thenewgalaxy

I'm sure Moley will be along in a bit to confirm it but my understanding is that it is based on whether or not the mods are declared but not covered (?terminology) or declared and if the car is damaged the payout will cover those mods.

I would imagine it depends on who you insure with, when I declared my PPP on my newage cars Admiral were very keen to point out that a payout would be for market value of the car with a PPP pack, whereas a quote I had from someone else (I cannot recall who it was for sure but think Admiral's sister company Bell) would not and only pay out for the value of a standard car if there were an issue.

By the way 370bhp in a Focus... that'll be fun pulling off sharply from the lights.

alcazar

iTrader: (2)

Some will remain the same, some will drop, many will refuse outright to have your business.

My eldest had one company tell him if he put alloys on his car they would cancel his insurance...

CREWJ

Mine stayed the same.

Remember if you mod it and don't declare it you will be driving without insurance. That means up to £5,000 fine and a ban from driving.

Moley

iTrader: (9)

Depends on the insurers.

With a quote of £225 I'd guess it's a direct insurer or t'interweb quote, so it's impossible to say.

Moley

iTrader: (9)

If the mods aren't declared the policy will be void, so you wouldn't get paid a penny for anything (vehicle or mods), and the insurers might even take you to court to reclaim any costs paid to a 3rd party you've hit.

Some companies will cover the car with mods but only replace with standard parts, some (most who we use) will cover that car and replace mods like-for-like and pay out based on a modified car.

tubbytommy

iTrader: (20)

if you have spent money on mods your mad not to insure the car correctly.
i insure mine with moley and the price is reasonable and im happy that all my mods and my car are correctly insured.

thenewgalaxy

That's what I meant

blackpoolrock

My insurance actually went down - gone from a standard sti 1800 (no no claims) to a 666.7 type r fully declared 1200

alcazar

iTrader: (2)

I wish we could have this a large banner.

So many people either don't know it, or don't to.

theboy

The insurance was quote was on confused, i entered standard RS as at the time this was what i was looking at. Then the modified one came up for sale. I will declare them but if its expensive i will be again looking to buy a standard car.