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Insurance Truth & small Fibs.

Discussion in 'A3/S3/Sportback (8P Chassis)' started by JimmyJames, Jan 23, 2008.

  1. mrsteve
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    mrsteve Member

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    [Jan 24, 2008]
    I have always taken gap insurance because it makes sense on a car of any value, but my insurance company were saying if i did not declare the options (which would make me uninsurable) then they would void my policy.
    #41
  2. Dandle
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    Dandle Member

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    [Jan 24, 2008]

    It shouldnt be that much difference in price try shopping around with different companies. If you cant afford to insure the car you shouldnt be modding it TBH.
    #42
  3. JimmyJames
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    JimmyJames Jas.

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    [Jan 24, 2008]
    Update from yesterday.

    Did confused.com and then on to Elephant. They had a mod page when you ticked the mod button. It took you to a "what mods do you have" page. As you would expect all the classic mods and performance upgrades were in there but there was nothing about GSM/cruise/FBMFSW/I-Pod or arm rest etc etc.

    To confirm i phoned Elephant and was told as long as the car is standard (even though options) with the extras installed as factory build then they would be covered at no further cost. So thats good.

    Also got my premium down with them to £270 with £300 excess. Happy with that inc protected NCB and legal. Result.:icon_thumright:

    Cheerio Privilege.:moa:
    #43
  4. Kontraband
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    Kontraband Active Member

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    [Jan 24, 2008]
    how old are you JJ and where you living?? Am with privledge at the moment and theyve been the lowest for me the last 2 years, but got some quotes before I bought the car that were low... Have been with elephant when iwas in my 20's and they were good, but not as good when I hit 30.


    edit>> I see your in Scotland... so no idea about areas other than Glasgow for insurance. ;)
    #44
  5. JimmyJames
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    JimmyJames Jas.

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    [Jan 24, 2008]
    Kontraband . I'm 42 heading towards 43. Living 16 miles outside of Edinburgh. I'm really surprised by Elephant. Could have had quote down to £261 with slightly higher excess but decided on a mid excess and guarenteed NCB. I'm dropping Priv like a stone. Been with them for seven years and a few Audi's but Elephant blew them out the water. As policies go I'm in an improved position on cheaper money. Can't be bad:icon_thumright:
    #45
  6. Kontraband
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    Kontraband Active Member

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    [Jan 24, 2008]
    thats good to know... will definately check them out though I have to add business miles on my insurance too which bumps it up. Cheers fella.
    #46
  7. Kontraband
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    Kontraband Active Member

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    [Mar 14, 2008]
    my elephant quote was £575 :mad:

    Gone with Privilege for £420
    #47
  8. g-man
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    g-man Member

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    [Mar 14, 2008]
    Got mine down to £340 with Adrian Flux, with mods. AA wanted £570 !
    #48
  9. Kontraband
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    Kontraband Active Member

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    [Mar 14, 2008]
    damn... thought my being over 30 woulda help a bit more than £400!

    Adi Flux wanted 6 summat... as most companies did! City living maybe?
    #49
  10. h5djr
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    h5djr Well-Known Member VCDS Map User

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    [Mar 14, 2008]
    One of the advantages of being a little older (60). Fully comp insurance on my 170 with £120 excess, protected NCB, continental use, enhanced coutesy car, legal services etc - no mods, 2 speeding tickets - £365 with Norwich Union Direct.
    #50
  11. RobinA3
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    RobinA3 Well-Known Member

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    [Mar 14, 2008]
    I have decalred my remap, even though in an accident they may not even find out its been remapped i declared it for a piece of mind, plus it was only £40ish extra per year!
    #51
  12. voorhees
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    voorhees Moderator Staff Member Moderator

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    [Mar 14, 2008]
    I did the same even though they'd never ever know..ever
    14.4 is good
    #52
  13. S£
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    S£ Member

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    [Mar 14, 2008]
    I've just got my insurance.... a little strange, had a golf VR6 £266 a year worth £1500..... Get my S3 worth £10500, ring up to change it and....... That will be no extra cost sir.... Huh??....Really?....Yes Sir, no extra cost with a £500 excess, if you would like to protect your NCB it will be an extra £19.....Hell yes!

    i was a little dubious to start with but i went on line done a check and it came in at the right price, I'm with Tesco's and 27 with my girlfriend is on the policy and have my home insurance with them too, which for some reason they gave me half price because we both have car insurance with them.

    Makes a change for some company's to look after you.
    #53
  14. siu00adg
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    siu00adg Member

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    [Mar 15, 2008]
    Remapped s3, 25 years old, £990, Adrian flux.
    #54

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