Hey guys.... I was reading this thread and decided to do a bit of experimenting with a well known comparison site, for talks sake we'll call it 'Brian' and in my opinion judging from this, insurance companies (Most, not all) dont know their backsides from their elbows and generalise their quotes far too much!
I was as honest as humanly possible in all quotes... I'm 33 next week, been driving for 15yrs (No accidents or claims)(Drive about 40k a yr in my works van with no accidents), currently got 4yrs no claims due to a fk up by performance direct on my Mr2 GT (would have had 8 but thats another story).. Got a clean license except from 7 points that are still within the 5yr previous (Never been banned).... I drive a 2008 pre-facelift S3, standard car with rear light smoked tints and 8p3 18" 5-arm rotors (factory option wheel)... (Basically looks the exact same as a s3 black edition) anyway heres my results as follows.... All quotes are on fully comp basis.. and all are the cheapest quote offered
Standard car £388.22
Standard car (With rear tints + Factory option wheels... basically a black edition)(All factory mods) £649.37
Got a quote for a black edition.. exact same details £375.19... thats a difference of £274.18 because of the title of the car, even though they are identical in every way....
Standard car (With factory wheels, rear tints and a stage 1 remap) £974.14
Black edition S3 (With stage 1 remap) £697.48 a difference of £276.66 because of the title of the car...
So basically insurance companies will rip your personal details to shreds instead of looking at the cars that they are covering in more detail... How can it be way cheaper to cover the exact same car with different styling details a lot cheaper... you would think that these details as standard are just as appealing to any potential thief as they are modded by the factory afterwards!
This just must be purely down to the title of the car being different, with not as much stats or whatever??.... but this is what upsets me about most insurance companies... they havent got a clue! Maybe if they got their act together then there wouldnt be so many undeclared mods...
And what i've learned from this... When I sell my car, the next 1 I buy will definitely be a Black edition whatever it is!
If any insurance companies reading this post have an opinion on this, i'd like to see it!