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Thread: Car Insurance + Modding

  1. #1
    Regular Member nick-v2.2's Avatar
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    Default Car Insurance + Modding

    Afternoon All,

    I have come across a very strange problem.

    My insurance renewal is currently £730 starting december.

    I have a Vectra 2.2 Elegance '03. I have been quoted from A.F, that if I modify my car. My insurance will be £601.

    Now the modification i said on the phone was new suspension. But they have said the insurance would cover me for all modifications without affecting the BHP of the vehicle.

    Are there any smallish Mod's i can do, that would need to be noted on insurance. Just to get my cost down.

    Many thanks

    Nick J

  2. #2
    Regular Member Sean-2.2Direct's Avatar
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    Induction kit or pannel filter as they claim 2-4 bhp haha but dont think its true but if it says it on the box then tell your insurance

  3. #3
    Regional Organiser - West Scotland neverlandandy's Avatar
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    id tell my insurance about all mods however small because they will use them as an excuse not to pay out should you need them to

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    Regular Member nick-v2.2's Avatar
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    neverlandandy - I totally agree, and i always plan to disclose mods. My problem at the moment is. My car is completely standard.

    My car renewal lowest price is £730.

    But A.F have said if my car is modded, my insurance would be £601. It cannot be a mod that affects the BHP.

    I did not really have an intention to mod the car. But if a company says my insurance will be cheaper if i do, thats what i'm telling the miss .

    Is there any cheap mods i can do that i would have to disclose to insurance.

  5. #5
    Regular Member solorider's Avatar
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    spoilers,bumper skirts,lowered suspension,bigger wheels,different audio

  6. #6
    Regular Member Gregg's Avatar
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    Front spoiler, Higher spec alloys (VXR alloys for example) Lowering

  7. #7
    Regular Member solorider's Avatar
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    well i have just got a £22 reduction after a phone call to my insurance company,they said i had to declare the wheels as a modification despite the wheels being a factory fitted option,anyway gave them a ring and they said yes i can take the wheels off the list as the car is factory standard.as to your insurance quote have you tried around? you should be able to get a better deal from someone,there are a lot of internet based companies that do cheap deals

  8. #8
    Regular Member nick-v2.2's Avatar
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    I have tried confused.com and carsupermarket. Cheapest i could get with Legal and courtesy car was £730 with LloydsTSB.

    I'm 23 with 3 years NCB driving a vectra 2.2 elegance.

  9. #9
    Ex RO - East Region soulman's Avatar
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    stick some dark cling film on yer windows and say they are tints..........cant understand where A/F are coming from by saying they will quote you that low only if you have modded the car .......

  10. #10
    Regular Member parapaul's Avatar
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    How about a list of 'planned mods' you'd like them to cover you for?

    Give them a list of stuff you're allegedly planning to do over the coming year

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