Stage 2+ and insurance

[S3DUST]

Hi All,
Im just collecting the bits together for stage 2+

What I'm wondering is what did you tell your insurance? I mean they won't even understand what S2+ is will they?

Did you just tell them that it has an aftermarket exhaust, airfilter, fuel pump and remap? they are not going to be interested in a clutch are they?

What did this add to your premiums?

Cheers
Rich

 

[Dean_T]

Tell them EVERYTHING that has been modded or changed.

The power that the car is putting out is where I started as this was the factor on the policy.

I then listed EVERY mod I had made and got the insurers to email me back with the list just to confirm we were singing from the same hymn sheet.

 

[S3DUST]

Yeh that's kind of what I'm worried about. Talking to someone that hasn't got a clue and then messes up the policy...




What did it add to your premium if you don't mind me asking?

 

[leshkin]

Yeh that's kind of what I'm worried about. Talking to someone that hasn't got a clue and then messes up the policy...

I would say that this should tell you whether to use this insurer. How can they possibly give you decent cover if they have no idea what is is they are insuring for you? Just asking for trouble IMHO

 

[grchmason]

Watching with interest as mines up for renewal soon!

 

[nluk100]

Need to be careful here - I agree you should tell them everything that's been changed (maybe not the clutch though!) but most insurers have stages for an ECU update (0-10%, 11-25% etc...) My take on this is that once you go past stage 1 it's the other components that have contributed to the overall increase in bhp, not just the remap AND if I put sh1t fuel in my car there's no way it would make anything like the tuners claims, so use a bit of common sense.

 

[leshkin]

I generally found that modifications did not affect the premium as much if you spoke to modified car brokers, who would factor in the fact that you care about your car rather than just look at raw risk and power stats. I historically found that it was cheaper to insure a moderately modified car with a specialist insurer vs some of the larger comparison site brokers. It did require some extra work and phoning around though.

 

[Dean_T]

Yeh that's kind of what I'm worried about. Talking to someone that hasn't got a clue and then messes up the policy...




What did it add to your premium if you don't mind me asking?

Unsure really as I switched from one company to another just as I went 2+

I'm paying about £700, just renewed last year, age helps me though as I'm 37, car is garaged but my post code isnt great at all.

I'm paying about the same for my 2+ S3 as I did for my stage 1 Leon K1, different companies but I'm happy!

I'm with Adrian Flux and they have been brilliant for me, the policy I'm on covers me for like for like replacements on mods too, nice for piece of mind.

Disagree with the above comment about not telling them about the clutch, why take a risk on not being insured, does not make sense at all.

 

[S3DUST]

I will tell them about everything. The clutch will be a Sach organic with standard Dmf so I'm not sure they will be bothered...

 

[s3_trev]

As above tell them everything. You might be surprised how cheap it is, I was! As has been stated insurance companies that specialise in performance stuff are very competitive when you do actually mod the car.

 

[S3Alex]

And again...tell them everything.

For sure,many may not know the meaning of Stg2/2+ etc,but they all understand percentage power increases,and what parts have been changed.

My own experience of insurers is that if you don't tell them everything including your dog's name almost,there may be grounds to deny a payout.

As most others have said,a specialist broker is a must,and mine is Greenlight......funny thing there is that the company they've insured me with wouldn't even think about it when I asked them before going to a broker,and yet I'm insured with the same company now,with no problems.....the broker makes all the difference.

I'm an old git,so even with the power doubled,my insurance comes in at £600,which is a long way from the £2k I paid out on the Cosworth one year.

 

[Marshy]

My insurance is due this month and I'm still waiting on my renewal but after checking several companies my stage 2+ quotes vary from £400-£2000

 

[leshkin]

My insurance is due this month and I'm still waiting on my renewal but after checking several companies my stage 2+ quotes vary from £400-£2000

Insurance renewal in December, of all months? My condolences brother.

 

[S3DUST]

I got a quote last night from Adrian Flux, 495 fully comp 09 plate S3 with exhaust, fuel pump, Induction kit, and remap. Im 34 with 8 years NCD.
I don't think that was too bad...

 

[leshkin]

That's a very good price! I think I'll try my luck with them in Feb, when my policy is due for renewal.

 

[RedDejavu]

I pay around 500, I'm with SkyInsurance, S3 Stage 2+ 2 drivers 6yrs NCD 33yrs old

 

[Marshy]

Just renewed today with Greenlight everything declared £500

 

[Derek Bertram]

When I changed from my A3 to the S3 I expected an increase of around £300 but because I moved area I got £25 back
I am paying £750 for the year, which I am more than happy with as I'm only 20

 

[shadow1993]

Insurance renewal in December, of all months? My condolences brother.

I have my insurance renewal Mid way January...

IN the time period i get my normal pay to cover 7 weeks as we get paid early bfor xmas

I need to phone around to the insurance guys on here hoping i can get it cheaper than (Directline £520)

 

[Dave@remaps]

Im 25 with 7 years no claims and my s3 comes in at £410 with admiral full comp protected no claims

 

[mechanic69]

I'm 45 full no claims s3 2+ 2011 paying just under 800 with Adrian Flux, looks like I need to phone around!!!

 

[S3Alex]

I'm 45 full no claims s3 2+ 2011 paying just under 800 with Adrian Flux, looks like I need to phone around!!!

I've used Greenlight for a few yrs now,and been pleased with both the service,and the price.

£600 for mine,with everything declared/included,and no grizzling over power increases or things to come,isn't bad,even if I am older than most here...LOL

Give them a call and see what they can offer.

 

[DAN@ADRIAN FLUX]

I got a quote last night from Adrian Flux, 495 fully comp 09 plate S3 with exhaust, fuel pump, Induction kit, and remap. Im 34 with 8 years NCD.
I don't think that was too bad...

Hi,
Hopefully we were competitive for you. If you have any question or need any further assistance then please feel free to drop me a line.
Regards,
Dan.

 

[LiamS3]

Really don't see why you should tell your insurers about your mods, they don't cover your mods if you have an accident so why bother lol, just another way for them to drain more money out of you and they know they can because they are backed up by the law

 

[S3_Mat]

Because Liam if you do not - you are not insured within the terms of the policy and god forbid you have an accident and seriously injure someone as you could get footed with a legal bill that could run into the tens of thousands for which you would have to pay that yourself.

Not to mention you would not get money to have your car repaired and have to fork out for that yourself also.

Insurers do cover mods like for like as well you just have to find the right one.

 

[LiamS3]

Because Liam if you do not - you are not insured within the terms of the policy and god forbid you have an accident and seriously injure someone as you could get footed with a legal bill that could run into the tens of thousands for which you would have to pay that yourself.

Not to mention you would not get money to have your car repaired and have to fork out for that yourself also.

Insurers do cover mods like for like as well you just have to find the right one.

I didn't say you shouldn't I just said I don't see why, it's a "get out of jail" card the insurer can play, what if you buy a car that is already modded and you don't know.. That means your insurance is void, they can void your insurance if you change the colour of you wheels by god.. It's a complete joke

 

[Dean_T]

Really don't see why you should tell your insurers about your mods, they don't cover your mods if you have an accident so why bother lol, just another way for them to drain more money out of you and they know they can because they are backed up by the law

There is so much wrong in this post it is unbelievable.

1) If you dont tell them about mods your insurance is VOID, all that money you are paying would be for nothing.
2) There are insurers that replace mods on a like for like basis.
3) Could you really live with yourself if, god forbid you ran someone over and you werent covered by insurance?

 

[S3_Mat]

I agree it can be a grey area when you buy a car but unfortunately it is very much buyer beware and ignorance is not an excuse. I have heard stories of insurers not paying out for theft because there was a sticker on the car that wasn't declared. The way I see it is that we don't modify our cars to drive them slowly and by driving them with more "enthusiasm" you are at a higher risk of having an accident. I see it perfectly reasonable for a car with 40% more power, that can carry more corner speed should warrant a higher insurance premium and I personally would want to make damn sure I get a pay out should the worst happen.

My own personal opinion is that stating that you shouldn't declare mods, even in jest may cause others to think they should not declare as well - this is bad for everyone as it pushes premiums up.

 

[S3_Mat]

Must be a ball ache for Alex to declare his mods though.. Do you just email them the 6 page list? HA

 

[S3DUST]

Must be a ball ache for Alex to declare his mods though.. Do you just email them the 6 page list? HA

Lol I bet!

 

[LiamS3]

There is so much wrong in this post it is unbelievable.

1) If you dont tell them about mods your insurance is VOID, all that money you are paying would be for nothing.
2) There are insurers that replace mods on a like for like basis.
3) Could you really live with yourself if, god forbid you ran someone over and you werent covered by insurance?

Clearly you haven't read my posts.

 

[Dean_T]

Clearly you haven't read my posts.

Clearly you are right lol - I must not have refreshed the thread before replying!

 

[S3Alex]

Must be a ball ache for Alex to declare his mods though.. Do you just email them the 6 page list? HA

I think they just keep a spreadsheet ..

LOL

 

[mechanic69]

I agree it can be a grey area when you buy a car but unfortunately it is very much buyer beware and ignorance is not an excuse. I have heard stories of insurers not paying out for theft because there was a sticker on the car that wasn't declared. The way I see it is that we don't modify our cars to drive them slowly and by driving them with more "enthusiasm" you are at a higher risk of having an accident. I see it perfectly reasonable for a car with 40% more power, that can carry more corner speed should warrant a higher insurance premium and I personally would want to make damn sure I get a pay out should the worst happen.

My own personal opinion is that stating that you shouldn't declare mods, even in jest may cause others to think they should not declare as well - this is bad for everyone as it pushes premiums up.

Declare all