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S3 Insurance?

Discussion in 'A3/S3/Sportback (8P Chassis)' started by PaulAr, Jan 30, 2009.

  1. PaulAr
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    PaulAr S3 (8P)

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    [Jan 30, 2009]
    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
    #1
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  3. Grl
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    Grl Member

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    [Jan 30, 2009]
    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.
    #2
  4. PaulAr
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    PaulAr S3 (8P)

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    [Jan 30, 2009]
    Had a confused.com quote for £9,999.00......was tempted.

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

    cheers
    Paul
    #3
  5. Matt
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    Matt Active Member

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    [Jan 30, 2009]
    I've always had good quotes from Directline too. Usually quite a bit cheaper than the rest
    #4
  6. Grl
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    Grl Member

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    [Jan 30, 2009]
    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?
    #5
  7. PaulAr
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    PaulAr S3 (8P)

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    [Jan 30, 2009]
    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
    #6
  8. Grl
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    Grl Member

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    [Jan 30, 2009]
    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.
    #7
  9. PaulAr
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    PaulAr S3 (8P)

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    [Jan 30, 2009]
    You got it.:icon_thumright:

    Paul
    #8
  10. JohnS3
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    JohnS3 Active Member

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    [Jan 30, 2009]
    Give morethan a try.
    #9
  11. richs2891
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    richs2891 I cant spell !

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    [Jan 30, 2009]
    Give A plan or Greenlight or Keith Michaels a try

    Richard
    #10
  12. JamS3
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    JamS3 Active Member

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    [Jan 31, 2009]
    Swiftcover.com mate, think I'm paying around £400 similar circs to you minus the SP30.
    #11
  13. koojo
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    koojo New Member

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    [Feb 1, 2009]
    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
    #12
  14. kaz219
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    kaz219 Active Member VCDS Map User

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    [Feb 1, 2009]
    ecarinsurance are worth a try - they're not too bad with mods too.

    There's also greenligth insurance that may be worth a shot!
    #13
  15. S3-N
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    S3-N ?

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    [Feb 1, 2009]
    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
    #14
  16. Nilz
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    Nilz Defo worth the wait :)

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    [Feb 1, 2009]
    Elephant/Admiral, they have always been really good for me and some of my mates.
    #15
  17. consilio
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    consilio Up the owls!

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    [Feb 2, 2009]
    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
    #16
  18. PaulAr
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    PaulAr S3 (8P)

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    [Feb 2, 2009]
    Dont you start.

    My resolve is pretty **** when it comes to modding and i promised myself that I would stop at a remap! ;)
    #17
  19. SiT
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    SiT Member

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    [Feb 2, 2009]
    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:
    #18
  20. koojo
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    koojo New Member

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    [Feb 2, 2009]
    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?
    #19
  21. PaulAr
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    PaulAr S3 (8P)

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    [Feb 3, 2009]
    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
    #20
  22. Clivesportback
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    Clivesportback Member

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    [Feb 3, 2009]
    i havent got an s3. but a sportsback 140 and swiftcover was the cheapest for me and the misses :)
    #21
  23. PaulAr
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    PaulAr S3 (8P)

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    [Feb 25, 2009]
    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
    #22
  24. DaveS3Turbo
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    DaveS3Turbo Sepang Blue S3

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    [Feb 25, 2009]
    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
    #23
  25. h5djr
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    h5djr Well-Known Member VCDS Map User

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    [Feb 25, 2009]
    If you think any insurance company is going to believe that your living in cloud cuckoo land. People remap cars to gain performance.
    #24
  26. PaulAr
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    PaulAr S3 (8P)

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    [Feb 25, 2009]
    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
    #25
  27. Jamiekip
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    Jamiekip Member

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    [Feb 25, 2009]
    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
    #26
  28. DaveS3Turbo
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    DaveS3Turbo Sepang Blue S3

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    [Feb 25, 2009]
    Yes I see your points but again there is paying for something and paying for nothing. The usual
    #27
  29. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    Nice one.
    Not tried these yet.

    Will give them a `bell` today (groan)

    Cheers
    Paul
    #28
  30. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    They wanted £977 !!:scared2:
    #29
  31. Jamiekip
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    Jamiekip Member

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    [Feb 26, 2009]
    Yikes - I wonder if permiums are going up across the board ont eh S3.
    Lot's of them reported stolen recently.
    #30
  32. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    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
    #31
  33. heliflyer
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    heliflyer Member

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    [Feb 26, 2009]
    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
    #32
  34. dmal
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    dmal Member

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    [Feb 26, 2009]
    Mine is with Direct Line and its about £1k. I've only had a licence for about 18 months though...
    #33
  35. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    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
    #34
  36. Grl
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    Grl Member

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    [Feb 26, 2009]
    I guess if you make your car faster, they assume you'll drive it faster.
    #35
  37. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    Occasionally, and conditions permitting, I may drive it 15% faster.
    #36
  38. Grl
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    Grl Member

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    [Feb 26, 2009]
    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 :)
    #37
  39. PaulAr
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    PaulAr S3 (8P)

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    [Feb 26, 2009]
    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
    #38
  40. h5djr
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    h5djr Well-Known Member VCDS Map User

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    [Feb 26, 2009]
    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!
    #39
  41. julians
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    julians Member

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    [Feb 26, 2009]
    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.
    #40

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