Need an insurance recommendation please, direct line dropped me for buying alloys!!!!

Manifest · 7 Nov 2006 at 15:20

Hey guys i need an insurance recommendation please.

I just rang direct line to tell them i have fitted alloy wheels to my car, they said you are not allowed any modifications until your 25. (im 21 by the way) Does anyone know of an insurer who doesnt mind about modifications if you are up front with them as i have been.

I will be fitting new lowered dampers and shocks to my car too but i didnt get as far as telling direct line that, told em bout the wheels and they said no

Anyone know an insurer who wont mind about modifications?

Gilly · 7 Nov 2006 at 15:22

There's plenty in the sticky

Psycrow · 7 Nov 2006 at 15:28

Say it was like that when you got it.....or an older boy did it and ran away....or just lie completely

Most insurers will charge a fair old amount for mods at your age, Elephant wanted an extra £200 for changing my springs on my old car. Best bet is to just shop around and see who will quote you what, its not clever but in the end I just didnt tell them about my springs. I'm not modding my current car since for now, the extra cost of the insurance makes most things not worth it.

Manifest · 7 Nov 2006 at 15:59

Psycrow said:
Say it was like that when you got it.....or an older boy did it and ran away....or just lie completely

Most insurers will charge a fair old amount for mods at your age, Elephant wanted an extra £200 for changing my springs on my old car. Best bet is to just shop around and see who will quote you what, its not clever but in the end I just didnt tell them about my springs. I'm not modding my current car since for now, the extra cost of the insurance makes most things not worth it.

LOL @ older boy

I just rang Adrian Flux told em i will be modifying the rear brakes to discs, induction kit, alloys and lowered dampers and springs. Got a quote for £848. Gonna call him back i think and get it started.

Psycrow · 7 Nov 2006 at 16:01

What car is it? Fitting rear disks can be a bad idea as it unballances the car under braking (or so they say around here).

Tesla · 7 Nov 2006 at 16:01

My mates Clio is relatively heavily modded and Matty recommended ecarinsurance and they didn't charge any extra for mods

Manifest · 7 Nov 2006 at 16:08

Psycrow said:
What car is it? Fitting rear disks can be a bad idea as it unballances the car under braking (or so they say around here).

'So they say around here.........' yeh i know but check this out. I know they obviously want to sell the product but they make no mention of this as an issue at all plus those are specific for my car, im gonna email them before purchase and ask them about that.

I'd rather not say the model of the car because i just get grief saying 'why are u doing that to that car' etc. That link gives it away anyways.

Oakesy2001uk · 7 Nov 2006 at 16:09

elephat/admiral accept mods, depends what your doing, I think it was £40 extra per mod on my focus, the mods were, exhaust,wheels, tints, suspension and induction kit. I think the bluefin was £70 extra, but the origonal quote was seriously cheap so it worked out cheaper than adrian flux! I was 19

Oakesy2001uk · 7 Nov 2006 at 16:10

Manifest said:
'So they say around here.........' yeh i know but check this out. I know they obviously want to sell the product but they make no mention of this as an issue at all plus those are specific for my car, im gonna email them before purchase and ask them about that.

I'd rather not say the model of the car because i just get grief saying 'why are u doing that to that car' etc. That link gives it away anyways.

I dont think I'd waste £500 buff on that!

Manifest · 7 Nov 2006 at 16:14

Oakesy2001uk said:
I dont think I'd waste £500 buff on that!

This is exactly what i mean, there is no need to say that....

Gilly · 7 Nov 2006 at 16:15

I wouldn't give Adrian Flux any of my hard earned.

benneh · 7 Nov 2006 at 16:15

Lowering springs and disk conversions I simply wouldn't mention. The chance of them actually noticing (so long as the springs aren't bright yellow and it's not scraping the floor) is very slim (in the event of it being written off). As for alloys, again, you don't really need to tell them, I didn't, my Rover coupe Tub was written off. I arranged for it to be moved from the accident spot privately, and swapped the wheels (not strictly advisable I suppose, I did once declare alloys, but that was on a classic car policy). They did however get me on the induction kit (didn't notice the boost valve) and deducted £58 from my payout, as this was the apparently difference in policy cost with the kit fitted. That was with tesco, at the age of 22.

Manifest · 7 Nov 2006 at 16:20

Gilly said:
I wouldn't give Adrian Flux any of my hard earned.

y?

JRS · 7 Nov 2006 at 16:22

Gilly said:
I wouldn't give Adrian Flux any of my hard earned.

When I bought the Olds, they were the only broker who would even entertain the idea of insuring me on it. For some bizarre reason, companies are a little touchy about the risk of covering a young driver for a left-hand-drive, 18ft long, 2.5 tonne V8 powered car....

At least now I get to choose between two companies....Sureterm and AF!

***edit***

Psycrow said:
What car is it? Fitting rear disks can be a bad idea as it unballances the car under braking (or so they say around here).

Only if they're close, equal or greater in stopping power to your front anchors. You want more braking in the front as when the weight transfers as you slow down, any bias to the rear brakes will try and spin you. Can be useful on a track if you want to rotate the car into corners, but not too clever if you aren't expecting it!

Manifest · 7 Nov 2006 at 16:25

benneh said:
Lowering springs and disk conversions I simply wouldn't mention. The chance of them actually noticing (so long as the springs aren't bright yellow and it's not scraping the floor) is very slim (in the event of it being written off). As for alloys, again, you don't really need to tell them, I didn't, my Rover coupe Tub was written off. I arranged for it to be moved from the accident spot privately, and swapped the wheels (not strictly advisable I suppose, I did once declare alloys, but that was on a classic car policy). They did however get me on the induction kit (didn't notice the boost valve) and deducted £58 from my payout, as this was the apparently difference in policy cost with the kit fitted. That was with tesco, at the age of 22.

But dude the fact is if i kill someone (highly unlikely but is a possibility) and the insurer do notice then im so screwed, same if i paralise someone, blind them etc. All worse case senarios i know but all possibilities. Plus the lame thing is my dad works for Royal and Sun Alliance and hes just gonna go nuts if i dont declare everything.

I think the sensible bet is to declare everything and pay the premium, £848 is 148 pounds more than what direct line were insuring me at so its still an awsome quote.

Manifest · 7 Nov 2006 at 16:28

JRS said:
Only if they're close, equal or greater in stopping power to your front anchors. You want more braking in the front as when the weight transfers as you slow down, any bias to the rear brakes will try and spin you. Can be useful on a track if you want to rotate the car into corners, but not too clever if you aren't expecting it!

Ahh sheet, the brakes in that link i posted are like 40mm bigger than the current stock ones on the front, so i will need to upgrade the front brakes too then if i dont want to be spinning under hard braking?

JRS · 7 Nov 2006 at 16:30

Manifest said:
Ahh sheet, the brakes in that link i posted are like 40mm bigger than the current stock ones on the front, so i will need to upgrade the front brakes too then if i dont want to be spinning under hard braking?

We-e-e-ell, I certainly would recommend that the front brakes be upgraded a touch if that's the case. I've driven cars with the brakes biased to the rear, and it can get a little hairy if you're stopping from reasonable speed. Fine if you're expecting it and want it (great on dirt roads for kicking the tail out and generally behaving like Bo Duke), but I wouldn't want to drive it like that on the road.

Manifest · 7 Nov 2006 at 16:34

I dont think i want to loose the back end when braking on the motor way, thers always the chance u will have to brake at those high speeds and that would be so sketchy. I guess upgrading the front brakes a bit would be a certain then, hopefully it wont be as expensive as the rear kit im getting.

penski · 7 Nov 2006 at 16:34

JRS said:
We-e-e-ell, I certainly would recommend that the front brakes be upgraded a touch if that's the case. I've driven cars with the brakes biased to the rear, and it can get a little hairy if you're stopping from reasonable speed. Fine if you're expecting it and want it (great on dirt roads for kicking the tail out and generally behaving like Bo Duke), but I wouldn't want to drive it like that on the road.

Low, ratty and rollin' on spindle-mount fronts = ubercool.

*n

gc123 · 7 Nov 2006 at 16:34

quinn direct are insuring my lads car (nearly 19) and every time i ring the it doesnt seem to cost anything. ( large exhaust, uprated stereo, 17" alloys, rear spoiler etc,etc.
however it did cost me 22.50 for 18" wheels and 12 for stainless exhaust for my mondeo with the rac......still means i am only paying 236 fc protected.