Mod freindly insurance

adolf hamster · 8 Oct 2016 at 14:36

So im contemplating changing my exhaust, get a nice note from that wonderful engine in the beamer. (Cue being called a chav...)

Nothing tasteless or stupidly loud, i like the refinement, just a bit more note when i do decide to floor it. Not looking for any performance increase either, she's fast enough.

Thing is, your common or garden insurance company has a stupid attitude to mods of just a flat out no, i dont get it, its my car and im going to get competent people to perform a legal modification, so why am i not allowed to do it?

Does anyone know of insurance companies that have a more sensible attitude? I have seen greenlight mentioned on here before but they are very explicitly no bmw's.

Frozennova · 8 Oct 2016 at 14:39

Theres Brent Acre, Chriss Knott, Sky and Footman James to consider for modified insurance.

Unfortunate that Greenlight flat out refuse to insure BMWs though, I pay less with them for a very modified car than what mainstream insurers quote on an unmodified example

adolf hamster · 8 Oct 2016 at 14:44

Frozennova said:
Theres Brent Acre, Chriss Knott, Sky and Footman James to consider for modified insurance.

Unfortunate that Greenlight flat out refuse to insure BMWs though, I pay less with them for a very modified car than what mainstream insurers quote on an unmodified example

Thanks, i'll give them a number cruch see what their numbers are like.

Im still at the bendover stage of insurance sadly, so im not so confident, but quotes are free so worth a gander.

Lashout_UK · 8 Oct 2016 at 14:47

Admiral were pretty relaxed with regards to mods when I had my TT with them

adolf hamster · 8 Oct 2016 at 14:56

Lashout_UK said:
Admiral were pretty relaxed with regards to mods when I had my TT with them

Admiral are who im moving away from, came in £300 more than hastings

Steeps · 8 Oct 2016 at 15:03

Been with Aviva for 2 years modified (exhaust + intake with power increase listed) with no extra cost, price only went up a few quid when I added alloys as a 4th mod.

Came in cheaper than most of the brokers listed above.

Lashout_UK · 8 Oct 2016 at 15:11

adolf hamster said:
Admiral are who im moving away from, came in £300 more than hastings

Ah, shame! Hope you get it sorted, either way

DeanT77 · 8 Oct 2016 at 15:13

I'm with Adrian Flux, they used to work on cosmetic mods not increasing the cost but power mods did, based on the % increase from stock.

I'm about 50% up on bhp from stock and they do me ok at the moment, wont stop me shopping around come renewal time though

Diagro · 8 Oct 2016 at 15:25

Just tell them the exhaust fell apart and was replaced with a stainless version...

adolf hamster · 8 Oct 2016 at 15:43

Diagro said:
Just tell them the exhaust fell apart and was replaced with a stainless version...

Wish i could, but i already asked so i cant claim ignorance.

Cars also the definitive one careful lady owner so its not like i can claim thats what it was like when i got it.

Glad to see theres a few to choose from though, although how they stack up price wise will be the clincher.

Diagro · 8 Oct 2016 at 15:56

What did admiral say?
There weren't too fussed about my wheels and exhaust

P.B · 8 Oct 2016 at 15:59

Adrian Flux

adolf hamster · 8 Oct 2016 at 22:51

Diagro said:
What did admiral say?
There weren't too fussed about my wheels and exhaust

Their renewal was £300 higher than hasting's offering and that was before i mentioned mods.

Akagi · 8 Oct 2016 at 23:12

Admiral / Elephant and Aviva are all fairly mod friendly from my experience.

Admiral only wanted something like 5% more with a few things declared. (exhaust, intake, interior changes, wheels, suspension, brakes)

adolf hamster · 8 Oct 2016 at 23:17

Acme said:
Admiral / Elephant and Aviva are all fairly mod friendly from my experience.

Admiral only wanted something like 5% more with a few things declared. (exhaust, intake, interior changes, wheels, suspension, brakes)

Good to know i guess, we'd been with them for years and they'd got to that cushy stage of assuming we wouldnt leave so premiums started going up.

Im not going to bother if its gonna be too expensive to get sensible insurance cover as the exhaust isnt worth that much to me.

On Holiday · 8 Oct 2016 at 23:39

EUI group (Admiral/Elephant etc) won't pay out for mods in the event of an accident though unfortunately.

Give Adrian Flux a ring and see what they can do.

Akagi · 8 Oct 2016 at 23:44

^ That is true, I forgot to mention that...

I'm not sure if they let you recover the mods either, but I'm hoping so?

adolf hamster · 8 Oct 2016 at 23:55

I'm not fussed about the cost of the mods (thats a risk i accept myself) but i dont fancy giving them any excuses to weedle out of a claim because somehow an aftermarket exhaust tip affects the roadworthyness of the car (which is what hastings wanted to do)

On Holiday · 8 Oct 2016 at 23:56

Recover as in pull them off if you bend it?
Not really, for Admiral at least

Once the pictures are taken by the assessor - that's it.

Though it didn't stop me ripping the roll bars and coilovers off the Impreza I wrote off seeing as they wanted to mug me so hard for the payout initially. Bought it back to sell it on and just about broke even but only so because I sold the coilovers and anti-roll bars separately.

Akagi · 9 Oct 2016 at 00:07

I'll have to change insurer before going nuts then.