S3 Insurance?

PaulAr

PaulAr

S3 (8P)
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Got my renewal today which is 50% up on last year so looking around..

Appreciate some pointers gents.

Best quotes on Confused.com coming in around £450 but jump to £750 with a remap.

Adrian Flux coming in at £530, £630 with a remap.

Im average Joe, not particularly high risk, 30 something, family, mortgage, white collar, SP30 etc etc...

Any ideas?

My next step would be to trawl the insurance pages of the the Performance car mags such as EVO, Max Power (Just kidding !!) etc. but hope you can save me some calls and wacky quotes and a bit of time with some suggestions?

In the last 5 yrs or so Ive only ever used Confused or Adrian Flux so a bit out of touch.

Cheers
Paul
 
I'm 21 and the best i've found was direct line at £1100.
Bearing in mind all other quotes have been well over £3k its worth looking into and their not on any of the comparison websites either.
 
Grl said:
I'm 21 and the best i've found was direct line at £1100.
Bearing in mind all other quotes have been well over £3k its worth looking into and their not on any of the comparison websites either.
Click to expand...

Had a confused.com quote for £9,999.00......was tempted.

Comparison websites are great for std cars, not so for mods.

cheers
Paul
 
I've always had good quotes from Directline too. Usually quite a bit cheaper than the rest
 
Can you get away with a remap on the insurance even if you do have to claim?

Was thinking about it earlier, if you have a used car with a remap is there anyway they could prove that you knew about the remap?
 
Grl said:
Can you get away with a remap on the insurance even if you do have to claim?

Was thinking about it earlier, if you have a used car with a remap is there anyway they could prove that you knew about the remap?
Click to expand...

Big subject mate, probably been debated already.
Has all kinds of moral and financial risk implications though.

The likelyhood is that it would never be detected if the worst was to happen, assuming the car looks std and there is no reason to look for it.

And if the car is stolen and never turns up then it makes no odds anyway.

The safe bet is to declare it.

As it happens Ive had a write off claim before on a car that had been lowered and a flowed supercharger and still got paid out. Lucky ? maybe.

Im not sure that insurance assessors have the expertise to flag up a modded car anyway, again, unless it has the obvious big wheels, spoilers, neons etc ....well mine didnt, thankfully.

In real terms a car with a remap doesnt make it more `steal-able` as its an invisible mod, and a remapped S3 is only 10-15% bhp over std so heavily loaded premiums are unjustified IMO.

It would appear that the specialist insurers have a more sensible approach to mods anyway.

You takes your chances as they say...........

Cheers
Paul
 
I think if it was only a remap and set of OEM or replica wheels that would be fine with out declaring to the insurance company. Morally insurance companies basically adopt an approach of guilty until proven innocent which is unfair on the masses who drive sensibly and are aware of the responsibilitly of driving so I would quite happily keep any minor mods quiet.

I could go on forever, but if i had a completely modified s3 I would declare it all to protect myself financially.
 
Grl said:
I think if it was only a remap and set of OEM or replica wheels that would be fine with out declaring to the insurance company. Morally insurance companies basically adopt an approach of guilty until proven innocent which is unfair on the masses who drive sensibly and are aware of the responsibilitly of driving so I would quite happily keep any minor mods quiet.

I could go on forever, but if i had a completely modified s3 I would declare it all to protect myself financially.
Click to expand...

You got it.:icon_thumright:

Paul
 
Give A plan or Greenlight or Keith Michaels a try

Richard
 
Swiftcover.com mate, think I'm paying around £400 similar circs to you minus the SP30.
 
just pay the ££££'s i no you payed more for your charged rocco that you bent back in the day! in fact get a revo stage 2 n the bits to go with it :hubbahubba:
baz
 
ecarinsurance are worth a try - they're not too bad with mods too.

There's also greenligth insurance that may be worth a shot!
 
greenlight are really good if you have mods, they don't seem to care what you add and just charge an admin fee to do it
 
Elephant/Admiral, they have always been really good for me and some of my mates.
 
DirectLine have been unbeatable for me for the last 8 years or so

After seeing their advert I tried the Norwich Union site that apparently tells you their competitions quotes, even if they are more expensive.

What a load of tosh. You get to choose from about 10 companies to compare against, most of which are relative unknowns anyway (pointless comparison). The ones I did try all came about about 50% cheaper than the NU price!!

I'm no Richard Branson, but I dont think that can be good for business :keule:

For a laugh, you could try www.comparethemeerkat.com
 
koojo said:
just pay the ££££'s i no you payed more for your charged rocco that you bent back in the day! in fact get a revo stage 2 n the bits to go with it :hubbahubba:
baz
Click to expand...

Dont you start.

My resolve is pretty crap when it comes to modding and i promised myself that I would stop at a remap! ;)
 
JamS3 said:
Swiftcover.com mate, think I'm paying around £400 similar circs to you minus the SP30.
Click to expand...

I use Swiftcover too, i'm early 30's, SP50, car garaged and pay £380. Also includes the other half and shes only been driving for 5 years.:thumbsup:
 
PaulAr said:
Dont you start.

My resolve is pretty crap when it comes to modding and i promised myself that I would stop at a remap! ;)
Click to expand...

mate you no it makes sense revo 2.....however it would be no hardship if you didnt because lets face it, its QUICK anyway:cool: as for insurance is flux not offering a good deal?
 
koojo said:
mate you no it makes sense revo 2.....however it would be no hardship if you didnt because lets face it, its QUICK anyway:cool: as for insurance is flux not offering a good deal?
Click to expand...

Makes sense to petrol heads and buzz freaks. You should know, you have spunked enough on mods over the years!

Flux want £550ish without remap and £650ish with. One of the better quotes so far with the remap included.

Got 3 weeks to sort it so will make some calls this week based on what the guys on here have suggeste.

cheers
paul
 
i havent got an s3. but a sportsback 140 and swiftcover was the cheapest for me and the misses :)
 
Bump.

Still getting wacky quotes, cheapest with REVO Stage 1 is Greenlight @£580.

No one else is even near except Adrian Flux @ £650 the rest of the goons and supposed `modified` car experts are upwards of £1000.

I only paid £390 last on a std car last year so I dont really want to be paying nearly half as much again for a measily 15% increase in power.

The guy at Greenlight was really switched on and knowledgeble about remaps. They are currently talking to aother forums and plan to speak to AS to see what member discounts can be arranged.

So, what are you S3 guys paying with declared mods ?

Some companies are very competetive for std cars but completely drop off if its modded.

Cheers again

Paul
 
Yes I can understand. Depends if you want the remap for performance ahem!!! or for the security "FEATURE" to make your car alot more protected. It is a security device at the end of the day and sometimes you need to have some sort of reduced power for valet etc when yuor car is being cleaned don't you. I just wish they ( Didn't ) put the remap on don't you guys.

David
 
DaveS3Turbo said:
Yes I can understand. Depends if you want the remap for performance ahem!!! or for the security "FEATURE" to make your car alot more protected. It is a security device at the end of the day and sometimes you need to have some sort of reduced power for valet etc when yuor car is being cleaned don't you. I just wish they ( Didn't ) put the remap on don't you guys.

David
Click to expand...

If you think any insurance company is going to believe that your living in cloud cuckoo land. People remap cars to gain performance.
 
DaveS3Turbo said:
Yes I can understand. Depends if you want the remap for performance ahem!!! or for the security "FEATURE" to make your car alot more protected. It is a security device at the end of the day and sometimes you need to have some sort of reduced power for valet etc when yuor car is being cleaned don't you. I just wish they ( Didn't ) put the remap on don't you guys.

David
Click to expand...

Did think about just switching it off with Select Switch.;)

But because Ive had numerous quotes, many of them online, Im not sure how this information is `shared` if you know what I mean....

For example if I went back to stock, would the car flag up on quotation databases as a modded car?:think:

I dont mind towing the line, but I dont like being ripped off neither.

Im 35 for fcuks sake! I havent paid this much insurance since my twentys.

Robbing twats.

Cheers

Paul
 
I'm 30
Have all mods declared (suspension, roll bars and map) and live in central london.
I pay £530 with Bell Direct.
No points on licence.
Give them a call, were very helpful with me mate.

J
 
Yes I see your points but again there is paying for something and paying for nothing. The usual
 
Jamiekip said:
I'm 30
Have all mods declared (suspension, roll bars and map) and live in central london.
I pay £530 with Bell Direct.
No points on licence.
Give them a call, were very helpful with me mate.

J
Click to expand...

Nice one.
Not tried these yet.

Will give them a `bell` today (groan)

Cheers
Paul
 
Jamiekip said:
I'm 30
Have all mods declared (suspension, roll bars and map) and live in central london.
I pay £530 with Bell Direct.
No points on licence.
Give them a call, were very helpful with me mate.

J
Click to expand...

They wanted £977 !!:scared2:
 
Jamiekip said:
Yikes - I wonder if permiums are going up across the board ont eh S3.
Lot's of them reported stolen recently.
Click to expand...

Every single quote I have had has gone up since last year by at least 20%.

Looks like Greenlight are the best of the bad bunch and I will have to bite the bullet.:ohmy:

cheers
Paul
 
Wow ive just insured my 05 s line quattro with swift .com £194.00 fully comp the robin stards. but i am 46,son just got a quote for a a3 1.8 those that will insure him want 3700 so it does pay to be an old fart cheers Ian
 
Mine is with Direct Line and its about £1k. I've only had a licence for about 18 months though...
 
Getting cover on a std car is easy.

Getting cover on a modded car isnt.

In reality, a remap is only giving a 15% increase over stock which makes the hike in premium totally unjustified IMO.

Paul
 
I guess if you make your car faster, they assume you'll drive it faster.
 
If you don't tell them you have a remap, get your cheap insurance, buy one of those revo controllers with the money saved and if you ever smash it up you can just flash it back to standard!

Everyones happy :)
 
Grl said:
If you don't tell them you have a remap, get your cheap insurance, buy one of those revo controllers with the money saved and if you ever smash it up you can just flash it back to standard!

Everyones happy :)
Click to expand...

Did that last time, just forgot to mention it.

Foolishly came over `all moral` this time.
Last time I allow morals to feature in a commercial decision making process.

Let that be a warning to you all.

cheers
Paul
 
Grl said:
If you don't tell them you have a remap, get your cheap insurance, buy one of those revo controllers with the money saved and if you ever smash it up you can just flash it back to standard!

Everyones happy :)
Click to expand...

Except the insurance company. What you suggest is insurance fraud. I thought Audi drivers were above that sort of thing. It may be difficult to change it back to standard from your hospital bet!
 
audi upgrades
The revo controller (AKA select switch) does not flash it back to standard it just switches to a standard map.

The easiest way to tell if an s3 car has been revo remapped (without driving it/vagcom etc), is to plug in a select switch and see if you can put it into anti theft mode.
 
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