Who will insure my stage 1?

[Roxman87]

So got my MRC stage 1 tune done the other day now it’s time to sort the insurance out, anyone know any companies that’ll will insure modified cars?

 

[RS03_SEN]

So got my MRC stage 1 tune done the other day now it’s time to sort the insurance out, anyone know any companies that’ll will insure modified cars?

All of them. They'll just charge a bit more. Try Adrian flux.

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[D0C]

All of them. They'll just charge a bit more. Try Adrian flux.

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Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!

 

[RS03_SEN]

Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!

That's well decent. My first year they tried to double my premium just for a map. Think that was Debenhams.

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[D0C]

That's well decent. My first year they tried to double my premium just for a map. Think that was Debenhams.

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I was gobsmacked. I will say that I was half way through my term. But even so, cheap as chips. They’ve been very good in the past, too.

 

[Terminator x]

Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!

Lol Admiral told me no mods so I had to change insurer, go figure!

TX.

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[Walternate]

admiral told me all my options fitted at the factory were considered mods!

 

[alanyork]

A plan will insure with all and every mod.

 

[Sandra]

So got my MRC stage 1 tune done the other day now it’s time to sort the insurance out, anyone know any companies that’ll will insure modified cars?

https://www.audi-sport.net/xf/threads/aib-insurance-club-membership.409686/

 

[DAN@ADRIAN FLUX]

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.

 

[Sequence]

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.

Seems you guys don't like responding to quote requests?

 

[D0C]

Lol Admiral told me no mods so I had to change insurer, go figure!

TX.

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That’s crazy. I’ve been with Admiral for years and they’ve always been ok.

 

[rjb79]

MRC stage 1 as well, new policy with Admiral started today, no one else could get close including all those that advertise as mod friendly.

 

[Roxman87]

Ran a quote on compare and turns out ford and elephant are the same price as what I’m paying now lol thought it would be a lot more then anticipated to be honest haha

 

[RS03???]

Trying to insure an unmodified off the factory line is really a dice throw. With it being modified is on a another planet. I was quoted as high as 1400 or uninsurable for my London/Twickenham post code. Stuffed the details into gocomp... and found GA at 350. Not only post code lottery, also which month/day.. loaded onto the dice. Wonder, what will happen when I come to renew next year..

 

[Terminator x]

Mine has gone up every year^ which is nuts considering Year 1 the car was brand new!

TX.

^yes I did shop around.

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[RAF_S7]

Try compare the meerkats.
Declared all my mods.
Insured ok (Brightside) was £100 up on previous though

 

[RS03???]

yeah... Nuts indeed,
hopefully not more than 10%. Wish I had a pay-rise like that every year.. dream on.

 

[D0C]

I pay £800 ish for Admiral multicar.

That’s for the TTRS with mods declared and a 2013 Golf 1.6 TDI Bluemotion DSG with a learner driver also on it.

Absolutely love the Golf...50-60mpg however you drive it, super smooth gearbox, comfy ride and good tech. A £7k bargain! I wanted a car I was happy leave anywhere, but it still looks really smart and is mint.

I tried every permutation on Comparethemarket. My post code was the cheapest out of all my work colleagues despite them living in “better” areas. I also added my boss on my policy which reduced the premium by about 10%! Finally, putting in my driving licence number also reduced it by about another 10%. It’s really worth playing around with it all while obviously keeping it correct and legal.

I am 30’s, max NCD, no points or accidents.

 

[RS03???]

Forgot, added my Boss to my car to reduce the premium. (wife )

 

[Roxman87]

Ford will insure me for engine tune up to 25% extra power and an air filter for £200 more than normal, £850 can’t complain

 

[Riko0073]

I used AIB after my existing insurer wouldn’t insure me with the engine re-map! Aged 46, no points and full no claims!!!

AIB quoted cheaper than my existing quote so just cancelled and moved the policy.

 

[RS03_SEN]

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.

Do you insure BB5 postcode?

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[RS03_SEN]

Forgot, added my Boss to my car to reduce the premium. (wife )

I had to add my wife when I got points on my licence. Took it from 988 to 720.

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[Riko0073]

I noticed this as well, it's actually cheaper to add the wife in, even though I'd never let her drive the car... By over £100 as well



Did they demand you have a tracker? They were keen to insure me, but when I got a call back they wouldn't touch my car without as it's over 50k

No didn’t require a tracker mate.

 

[Riko0073]

Go figure... never seem to get the same quote twice with most insurers

Yeah I know what you mean, I’ve never had a decent quote from Adrian Flux, yet others always recommend them for high performance cars!

 

[RS03???]

same here, Adrian flux, Chris Knott did not come through for me either. Initially, was given a comparable quote, then when referred back into the brokers, it all fell apart and could not be honoured. May be having an ageless number plate spooks the underwriters. Its definitely a mystery.

 

[8YARWY]

AIB were great on our RS3 even with all mods declared.

LV still insure the Golf GTD


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[JohnM100]

admiral told me all my options fitted at the factory were considered mods!

Yep, they told me the same when I was with them, even though I emphasised factory fitted by Audi at the time car was built.

 

[royalsteve68]

We have 4 unmodded cars. All with Direct Line. cheapest by far, s3 is £400, rs3 is £575, 2 old cars are about £200 each. All full protected NCD, hire car, legal assistance. Noone else came close. They said they may consider mods but no more than 20% extra power. Issue is i would have to get the work done then they quote....no thanks. Anyway, the s3 and rs are still under warranty .

S3 is on an extended warranty - defo worth keep extending as cheaper if you let it lapse - only £400 a year with £0 excess, oem parts and labour, most things are covered (though there are a few exceptions)

 

[Riko0073]

Well AIB came up trumps again this year, although they had to drop their initial premium considerably to be competitive but hats off for keeping me as a customer!

Cheapest I got declaring stage 1 remap and gearbox tune was £497 with £500 excess with Admiral, AIB £595 with an excess protector included so I was happy to pay that along with their guarantee you can choose any repairer, not going to quibble over £100 on a £50k motor!

 

[royalsteve68]

admiral told me all my options fitted at the factory were considered mods!

Mark’s and Spencer wanted to charge me double for adding security to my car, saying it was a mod. Absolute bellends. I cancelled my insurance and went elsewhere, also reported them to the insurance ombudsman. I also ensure they paid the right refund.

 

[royalsteve68]

I had to add my wife when I got points on my licence. Took it from 988 to 720.

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right foot problem? Lol

 

[D0C]

Mark’s and Spencer wanted to charge me double for adding security to my car, saying it was a mod. Absolute bellends. I cancelled my insurance and went elsewhere, also reported them to the insurance ombudsman. I also ensure they paid the right refund.

LOL!

I’ve heard it all now...insurance companies upping premiums because of adding a security feature...

 

[royalsteve68]

LOL!

I’ve heard it all now...insurance companies upping premiums because of adding a security feature...

Yeh it was a month into a policy and I noticed they'd not added the tracker. Wasn't expecting the idiots to increase my policy. Went mad. Got a full refund though.

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[garethdj]

Admiral for me, been with them the last few years. To add a stage 1 tune, intake and TCU tune it'll cost £26, including a £9.95 admin fee. You can even add the mods and update things online.

Surprised you've got a tune then days later are thinking about sorting insurance... Braver man than me, I'd have that ready to kick in the day I was getting the map!

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[D0C]

Admiral for me, too. Super cheap with mods.

 

[garethdj]

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.

No way to reply to your messages

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[ArrEssDrei]

Admiral wouldn't touch me when I started listing stage 2 mods, I'm surprised to see so many with them. Ended up going with A-Plan on a recommendation, who offered a very competitive price.

 

[Riko0073]

Do Admiral actually cover the mods though? I was advised that whilst they will insure you with the mods declared they won’t actually pay out should your vehicle be written off for any mods on the car.

Not a big deal I guess if they’re just software updates but if you have cosmetic mods then that could be a problem?