Insurance policy on changing car colour?

asim · 10 Jul 2006 at 22:06

Hey guys. So my car is needing a respray but I'm not really sure if I want to spray it the same colour again. I'm thinking of going with a different colour and would like to know peoples experiences or knowledge of what insurance companies say to this?

I'm with admiral.

Will they allow it? Will they ask for more money because its a different colour?

[TW]Fox · 10 Jul 2006 at 22:10

Wouldnt think it would matter, you do realise a proper respray is approx £1500 though, right?

Iamzod · 10 Jul 2006 at 22:15

[TW]Fox said:
Wouldnt think it would matter, you do realise a proper respray is approx £1500 though, right?

heh, £1500 would be quite cheap from my own experience.

austinpowers · 10 Jul 2006 at 22:23

[TW]Fox said:
Wouldnt think it would matter, you do realise a proper respray is approx £1500 though, right?

12 years ago i changed the colour of my escort van from white to green for about £20..

Mind you that was with a brush and hammerite, looked ok if you squinted from about 100 yards

So yes it can be done, cheap but badly

ste_bla · 10 Jul 2006 at 22:34

make sure you tell the dvla and get the log book changed

asim · 10 Jul 2006 at 22:35

hmm 1500 quid. Dont worry about costs. But insurance company shouldnt have a problem then? Probably gonna get it done all matt black or something like that. Where's my power sander

penski · 10 Jul 2006 at 22:43

You can get a GOOD finish using high-density rollers and enamels. I'm talking 5-foot finish.

But it's all in the prep-work and lots of thin coats.

*n

ajgoodfellow · 10 Jul 2006 at 22:44

AFAIK it would be counted as a modification but it shouldn't increase the insurance too much

I'd phone them up and ask

Morba · 10 Jul 2006 at 22:48

so you bought a car that you were struggling to get a quote on, that needs a full respray?

mental :]

anyway, i wouldnt think it would make to much difference.

asim · 10 Jul 2006 at 22:57

Morba said:
so you bought a car that you were struggling to get a quote on, that needs a full respray?

mental :]

anyway, i wouldnt think it would make to much difference.

I got my insurance. 1000 quid 10 month bonus accelerated. group 16 car for a 21 year old policy holder with no NCBs. Worked out quite well for me. I think I've said before that theres a lot of work to do on the car. Its goin in on friday to have the half the sills replaced and a new underside welded in. Waste of money? Maybe but its my money.

Anyway yea penski heard about the roller thing. And I truly understand it is in the prep work, makes life a whole lot easier.

asim · 11 Jul 2006 at 14:35

Just talked to the insurance company. Premium is only affected if the colour is changed to a metallic type. So if I go with regular black there will be no problem.

Morba · 11 Jul 2006 at 14:49

metallic black > non metalic ;]

[TW]Fox · 11 Jul 2006 at 14:56

asim said:
Just talked to the insurance company. Premium is only affected if the colour is changed to a metallic type. So if I go with regular black there will be no problem.

That is the most bizarre thing I have ever heard.

asim · 11 Jul 2006 at 14:58

[TW]Fox said:
That is the most bizarre thing I have ever heard.

I was surprised to hear it but oh well. Could go with matt black. Saw a matt black 300zx today that was :eek:

penski · 11 Jul 2006 at 14:58

[TW]Fox said:
That is the most bizarre thing I have ever heard.

Since when did insurance policy pricing decisions follow any kind of logic?

*n

merlin · 11 Jul 2006 at 15:01

[TW]Fox said:
That is the most bizarre thing I have ever heard.

He is insured with Admiral.

They're a strange bunch.

Hawk Tuah · 11 Jul 2006 at 15:02

[TW]Fox said:
That is the most bizarre thing I have ever heard.

Perhaps because metallic paint would make the car more desirable, and thus more prone to nicking. :confused:

[TW]Fox · 11 Jul 2006 at 15:03

merlin said:
He is insured with Admiral.

They're a strange bunch.

I like Admiral, they are very reasonable for modifications.

Even if they did send me a letter today threatening to cancel my policy in 7 days unless I send them proof of my no claims and sign my acceptance of policy form...

a) My no claims was acrued with THEM...
b) Eh? A what? Never signed one of those in my life this is my 3rd year with Admiral..

Scrutinize · 11 Jul 2006 at 15:05

asim said:
Hey guys. So my car is needing a respray but I'm not really sure if I want to spray it the same colour again. I'm thinking of going with a different colour and would like to know peoples experiences or knowledge of what insurance companies say to this?

I'm with admiral.

Will they allow it? Will they ask for more money because its a different colour?

You do need to inform the DVLA and change the V5 though.

merlin · 11 Jul 2006 at 15:12

[TW]Fox said:
I like Admiral, they are very reasonable for modifications.

They're ok.

Heard some people complain about evil cancellation rates and apparently there's something in the policy wording saying car must be MOT'd and Taxed, which is a bit naughty (assuming it's true).