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  1. #1
    RichA3Turbo's Avatar
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    Insurance shock!

    So, im looking at a turbo upgrade, which means declaring a BIG mod on my insurance. So i send a quote off to adrian flux with the following:

    18" wheels
    lowered Suspension
    Porsche brakes
    Full bodykit
    air filter
    exhaust
    turbo kit (300bhp)

    Now, i did a quote for when i renew in a few months with admiral, and it came out at 1100 fully declared AS IT CURRENTLY STANDS i.e all of the above - turbo and suspension but with the chip.

    So when i send the quote to AF, with a 300bhp turbo kit on the list, i expect to get a quote back for STUPID money that i could never afford which would mean not being able to do the upgrade. I get an email from heir underwriters this morning with a proposed quote for the VERY VERY VERY nice sum of ONLY 1050 FULLY declared. i.e 300bhp!!!

    Fandabydocious!!! bloody excellent that is! needless to say im happy that i can go ahead knowing i wont get butt raped for such a mod!
    [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/froggie_red.gif[/img] [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/groovy.gif[/img]

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  3. #2
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    Re: Insurance shock!

    Adrian Flux are good for mods i had a policy previously with them where it covered any modification to the car, you'll prolly find that is a simialr policy you have been quoted.

    They dont seem to be as competative with standard cars.

    You better get saving so you can get it into jabba [img]/ubbthreads/images/graemlins/burningmad.gif[/img]

  4. #3
    Markb's Avatar
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    Re: Insurance shock!

    Do you mind me asking your age? As that is really cheap [img]/ubbthreads/images/graemlins/laugh.gif[/img]

    I am paying 1800 with Admiral, but my age is against me LOL. Also they are quoting a 200 increase for wheels [img]/ubbthreads/images/graemlins/frown.gif[/img]

  5. #4
    RichA3Turbo's Avatar
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    Re: Insurance shock!

    [ QUOTE ]
    AndyS3 said:
    Adrian Flux are good for mods i had a policy previously with them where it covered any modification to the car, you'll prolly find that is a simialr policy you have been quoted.

    They dont seem to be as competative with standard cars.

    You better get saving so you can get it into jabba [img]/ubbthreads/images/graemlins/burningmad.gif[/img]

    [/ QUOTE ]

    Im very impressed with them!

    And ive started saving already! [img]/ubbthreads/images/graemlins/grin.gif[/img]

  6. #5
    RichA3Turbo's Avatar
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    Re: Insurance shock!

    [ QUOTE ]
    Markb said:
    Do you mind me asking your age? As that is really cheap [img]/ubbthreads/images/graemlins/laugh.gif[/img]

    I am paying 1800 with Admiral, but my age is against me LOL. Also they are quoting a 200 increase for wheels [img]/ubbthreads/images/graemlins/frown.gif[/img]

    [/ QUOTE ]

    Well my age isnt exaclty a money saving factor either! only 21 (well not yet! but did the quote as if i was as i will be when i do it!), and will be 2 years NCB. Even last year i didnt get done over too much for mods.

    Rich

  7. #6
    Markb's Avatar
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    Re: Insurance shock!

    [ QUOTE ]
    RichA3Turbo said:
    [ QUOTE ]
    Markb said:
    Do you mind me asking your age? As that is really cheap [img]/ubbthreads/images/graemlins/laugh.gif[/img]

    I am paying 1800 with Admiral, but my age is against me LOL. Also they are quoting a 200 increase for wheels [img]/ubbthreads/images/graemlins/frown.gif[/img]

    [/ QUOTE ]

    Well my age isnt exaclty a money saving factor either! only 21 (well not yet! but did the quote as if i was as i will be when i do it!), and will be 2 years NCB. Even last year i didnt get done over too much for mods.

    Rich

    [/ QUOTE ]

    Sounds like you have done well there.

    Must be because I am 20 0NCB and clean licence.

  8. #7
    RichA3Turbo's Avatar
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    Re: Insurance shock!

    [ QUOTE ]
    Markb said:
    [ QUOTE ]
    RichA3Turbo said:
    [ QUOTE ]
    Markb said:
    Do you mind me asking your age? As that is really cheap [img]/ubbthreads/images/graemlins/laugh.gif[/img]

    I am paying 1800 with Admiral, but my age is against me LOL. Also they are quoting a 200 increase for wheels [img]/ubbthreads/images/graemlins/frown.gif[/img]

    [/ QUOTE ]

    Well my age isnt exaclty a money saving factor either! only 21 (well not yet! but did the quote as if i was as i will be when i do it!), and will be 2 years NCB. Even last year i didnt get done over too much for mods.

    Rich

    [/ QUOTE ]

    Sounds like you have done well there.

    Must be because I am 20 0NCB and clean licence.

    [/ QUOTE ]

    having a years NCB and driving for a few years helps loads!!

  9. #8
    RichA3Turbo's Avatar
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    Re: Insurance shock!

    [ QUOTE ]
    4SilverRings said:
    [ QUOTE ]
    RichA3Turbo said:
    [ QUOTE ]
    Markb said:
    [ QUOTE ]
    RichA3Turbo said:
    [ QUOTE ]
    Markb said:
    Do you mind me asking your age? As that is really cheap [img]/ubbthreads/images/graemlins/laugh.gif[/img]

    I am paying 1800 with Admiral, but my age is against me LOL. Also they are quoting a 200 increase for wheels [img]/ubbthreads/images/graemlins/frown.gif[/img]

    [/ QUOTE ]

    Well my age isnt exaclty a money saving factor either! only 21 (well not yet! but did the quote as if i was as i will be when i do it!), and will be 2 years NCB. Even last year i didnt get done over too much for mods.

    Rich

    [/ QUOTE ]

    Sounds like you have done well there.

    Must be because I am 20 0NCB and clean licence.

    [/ QUOTE ]

    having a years NCB and driving for a few years helps loads!!


    [/ QUOTE ]

    Hate to pi$$ on your parade, but a word of caution - that is a quote for 'now', not next year when all your work is done! I knew of someone in a similar position and after 10 months of hard saving and modding the quote had nearly doubbled! You need to remember it's a big industry and it only takes some mega claim somewhere, big storm or another 9/11 and ALL our premiums will be going up across the board on any type of insurance. That in mind, they do seem a very cheap broker so might give them a call and see what a grands worth of cover will let me upgrade mine too :-) !!!

    [/ QUOTE ]

    Can p*ss all you want, but my umbrella stops me getting [censored] on [img]/ubbthreads/images/graemlins/grin.gif[/img]
    I know its a quote for 'now' not 'then' but atleast it means at the moment it IS worth saving for... If the time comes and its changed dramatically, well, i have about 4000 to play with dont i! [img]/ubbthreads/images/graemlins/groovy.gif[/img] I've done many quotes in the past for months to come and they;ve never been too far out... sometimes even better!

    Rich

  10. #9
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    Re: Insurance shock!

    With AF check the excess, they usually have this high to have a more competitive quote - just something to watch out for!! I had a quote from Barclaycard insurance and AF could not match it at all - i even got a lower excess of 100 whereas AF was 300 i think.

 

 

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